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Property Hawk

Tax time bomb

It’s a great time to be a landlord.

Many of us including me are making record rental profits.  This is because interest rates are still on the floor and latest projections increasingly indicate that they are likely to remain low for many years to come as national governments continue to respond to sluggish growth with a huge monetary stimulus.

Property Tax Guide

Firstly, thank god we aren’t in the Euro.  This means that the UK has one of the lowest interest rates in Europe.  Now some economists are predicting that the base rate may not rise until 2015, with the consensus being for late 2014.  Unbelievable, considering only a few months ago most economists were predicting that rates were expected to rise in 2012.

Rental profits galore

This is great for me as what started in 2008 as a one off year of significant rental profits looks as if it could extend into 5 years of revenue generation beyond my wildest dreams.

Tax time bomb

As with anything there is a flipside and in this case it’s marked TAX.

As interest rates hit the floor.  I had significant accumulated tax losses that I’m able to carry forward indefinitely and set against my future rental profits.  Over the last couple of years I’ve worked my way through these losses to a point now where in the last tax year 2009-2010 I was making significant rental profits. 

The filing deadline of the 31st January is looming large for the coming tax year of 2010-2011.  I’m not looking forward to my tax return this year - it could be brutal!

Tax reduction strategies

My strategy as ever is to minimise my tax bill.  Firstly, let me clarify the situation.  Tax avoidance is fine but tax evasion is strictly illegal.  Landlords need to be careful they stay on the right side of the line.

I was talking earlier this week to one professional landlord who sees the current low base rate environment as an opportunity to ramp up his property maintenance and improvement program on his rental portfolio.  Over the last few years he has spent over £30,000 upgrading his portfolio.  As he explained he can off set this against rental profits.  This has the benefit of reducing his tax bill now and also increasing the ‘letability’, rents and income smoothing his future profits when interest rates do finally start to rise.

Over the years I’ve developed a number of strategies for doing this.  Here are 10 of my favourite tax saving tips:

1. Claim for all your expenses.



  • Make sure that you claim for all your expenses when submitting your tax return. 
  • These should normally include:  


  • Costs incurred when travelling back-and-to the rental property

  • Advertisement costs
  • 
Telephone calls made (or text messages sent) in connection with the rental property

  • Cost of safety certificates

  • Cost of bank charges (i.e. overdraft)

  • Advisory fees e.g. legal and accountancy

  • Subscription to property investment related magazines, products and services




2. Splitting your rent



A little know tip is to consider putting your buy-to-let property into joint ownership, but then split the rent in the most tax efficient way.



3. Void period expenses

If for any reason your buy-to-let property is empty for any period of time; any expenses such as utilities or council tax incurred  when the rental property is empty can be claimed as a letting expense.



4. Every landlord has a ‘home office’.

Even if you have just a single rental property; don’t forget that a landlord can claim expenses for running their rental business and the associated costs of running a home office.  This is a minimum of £156 without having to provide written evidence of their expense deductions.

5. Finance costs



Landlords that have borrowed money to purchase their buy-to-let property should ensure that they claim all the loan interest paid relating to the financing of their buy-to-let investments.  This include where a landlord may have borrowed money form friends or family or taken on credit card or personal loan debt in connection with their rental business.  Remember it is only the interest on the loan and not any capital repayments that can be claimed.

6. Carrying forward losses



Many landlords who have made significant ‘rental losses’ in previous years may not have even realised having never previously made a tax return.  These landlords may now be making significant rental profits which they need to declare.  They should therefore go back and calculate their rental losses from previous years.  This is because these rental losses can be carried forward and set off against rental profits in subsequent tax years.

7. Capital gains avoidance

Landlords that are facing a large capital gains bill if they sell they buy-to-let property could avoid this if they are prepared to ‘move’ into their buy-to-let to claim Private Residence Relief ( PRR) potentially saving themselves tens of thousands of pounds in tax. 



8. Wear and tear allowance

Landlord that let their property furnished can potentially claim up to 10% of the rent as an expense through the wear and tear allowance.  This is allowed as the depreciation cost on the furnishing of their rental property.



9. Apportionment



Key to maximising the amount of expenses a landlord can legitimately claim is the concept of apportionment and the ‘whole and exclusively’ test applied by the HMRC to letting expenses.  Make sure you are not missing out! 



10. Getting your return in on time



Finally, don’t be late.  If you do want to be a minimum of £100 worse off then make sure that you get your tax return in before the 31 January.  It will now have to be done online as the paper submission deadline has passed.

You will not however be able to submit your return electronically if there are any capital gains element to your tax return. This option is not available for landlords submitting their self assessment tax return online. Landlords however are still able to do it through an accountant with the right type of tax software.

Here are five of my favourite tax saving articles from the Property Hawk back catalogue. 

Landlords claiming expenses
5 ways for landlords to slash tax
Taxing time of the year
A landlords income tax liabilities
Avoid tax return errors

 
 


Comments (12)

Greetings to you by ADIA.
Greetings to you by ADIA.

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We would be happy to fund and invest with you in any profitable
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Looking forward hearing from you soonest.

Yours truly,
Mrs Kristina Anderson
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)
#1 - Avit Investment - 09/17/2015 - 11:32
Creative ideas , I learned a lot from the specifics , Does someone know where my company could possibly get a template Empowerment Application For Rental version to fill in ?
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HOW I GOT MY LOAN FROM THIS GREAT COMPANY
HOW I GOT MY LOAN FROM THIS GREAT COMPANY

Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
They offer all kind of categories of loan they
Short term loan (5_10years)
Long term loan (20_40)
Media term loan(10_20)
They offer loan like
Home loan............., Business loan........ Debt loan .......
Student loan..........,Business start up loan
Business loan....... , Company loan.............. etc
Email..........(wilsonedwardsloancompany@gmail.com )
When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................
#10 - Anita Frank - 11/09/2016 - 15:19
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Do you seek funds to pay off credits and debts?
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#11 - Do you need Financial Assistance? - 11/11/2016 - 15:23
Do you need Financial Assistance?
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@qualityservice.com
Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@qualityservice.com
#12 - Do you need Financial Assistance? - 11/29/2016 - 06:54
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Should a landlord let their tenants smoke? Landlords are acutely aware of the bad smells and ...
New Year celebrations are well and truly over, so it’s back to work, and for many landlords, sma...
I was thinking today, what would be the top 5 things I would wish for next year as a landlord.  S...
You may think that as a landlord you are not liable for your tenants’ water bill. Well up until ...
I can't begin to explain how fraught the last few weeks have been.  Most part time landlords will...
The buy-to-let mortgage market has been in the doldrums for several years after the ‘crash&rsquo...
Rebecca Brough of Fidler and Pepper explores the world of fees and charges in respect to a landlords ...
Don’t forget your section 213 notice! Property Hawk has been urging landlord not to forget about...
You are just about to let your buy-to-let.  So what are the essential bits of paper work that you...
Is there such as thing as the ‘fair wear and tear’ of your buy-to-let property? ...
Landlords looking to obtain possession have two basic choices when trying to get their buy-to-let prop...
So it all goes wrong!  The tenant moves out (disappears) and owes you months of rent.  They ...
We recently had a enquiry on the Landlord Forum asking whether it was a good idea to serve a section 2...
Landlords seeking possession frequently have to decide between the merits of using a Section 21 notice...
Renewing a tenancy is one of the most straightforward aspects of managing a tenancy.  But many la...
Getting possession of a rental property when your tenant falls into rent arrears Th...
I read recently on a landlord forum a suggestion from one disgruntled tenant that landlords should be ...
My latest round of tenant gripes has hit me after a relatively quiet period. I suppose it was...
After launching the new version of the property management software we felt the actual site pages look...
Rental yields have always been a critical metric when evaluating a buy-to-let investment and they are...
Any landlord who follows London politics will not have escaped the fact that the private rented sector...
I was chatting this week to my joiner Steve. He was having a nightmare! Steve had done most o...
The Co-op announced last week that it was stepping up lending into the buy-to-let mortgage market by a...
Legislation should be in place by the end of the year to allow landlords to benefit from the Green Dea...
It's January which means only one thing for most landlords, yes it’s time to get to grips with t...
As the year comes to an end many landlords will be drawing up their plans for 2012. With the ...
I was contacted several weeks ago by one of our longstanding users. Kevin wrote to highlight ...
I'm like the majority of small landlords in that I have opted to use the Deposit Protection Scheme (DP...
Europe is at it again! Not content with their crazy project “Euro”  putting ...
You might be aware that I’ve had a number of new tenants recently. This has i...
It’s a great time to be a landlord. Many of us including me are making record rental pr...
I was contacted last week by a landlord looking to gain access to their bu...
I’ve written before about landlords not needing to use a letting agent. We al...
It's been a while since I've had a new tenant move in. The new tenant seems amiable enough. A middle a...
My landlord insurance fell due at the beginning of this month. DAMMM! Yet again the dilemma. ...
It is possible to get a company to fill out your N5B.  This will cost anything upwards of £...
Most landlords use an Assured Shorthold Tenancy agreement to let their property. So how long ...
I've been looking at some recent enquiries from landlords who use our Property Management software to ...
Most landlords who let a property that is tenanted will not be liable for council tax.  This is b...