Landlords facing higher tax and new rules often weigh three options: sell, keep the property as it is, or move it into a limited company.
This calculator puts the three side by side, with Section 24 on the keep option, Capital Gains Tax on selling, and stamp duty and Capital Gains Tax when moving into a company.
| Bought for | £150,000 including costs |
|---|---|
| Sale price after costs | £250,000 |
| Gain | £100,000 |
| Less annual exempt amount | £3,000 |
| Capital Gains Tax at 24% (higher rate) | £23,280 |
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18% on gains within the basic rate band and 24% above it, after the £3,000 annual exempt amount. Gains on UK residential property must be reported and the tax paid within 60 days of completion.
Usually yes. The company pays stamp duty on the market value, including the 5% surcharge for additional homes, unless a relief applies.
It depends on your plans, your tax position and the property. The calculator shows the numbers for each option, and a tax adviser can check them against your circumstances.
Education, not advice. Rules change and depend on your circumstances. Check GOV.UK and speak to a qualified adviser before you act.