How to use the Sell, Keep or Incorporate Calculator: full video tutorial
Sell, keep or incorporate a rental property side by side, with Section 24, Capital Gains Tax and stamp duty. Education only.
▶ Play the tutorial (8:24)About this tutorial
Should a rental you own personally be kept, sold or moved into a limited company? This full guide walks you through every box and result in the Property Clues Property Incorporation Calculator, using a worked example: a £250,000 buy-to-let in Leeds with a £150,000 mortgage, owned by a higher-rate taxpayer.
What you'll learn
- Keeping it under Section 24: why income tax can be over 70% of the profit after interest
- Selling it: the capital gain, Capital Gains Tax and the cash freed after clearing the mortgage
- Incorporating: stamp duty and CGT on the transfer, Corporation Tax, and the payback time
- What Section 162 incorporation relief changes, and the 2027/28 property income tax rates
- The three rule-of-thumb tests, the figures in words, and saving scenarios
Chapters
- Keep £1,320, sell £78,580, or incorporate? (example)
- Finding your way around
- This property
- Rent, costs and your tax position
- The headline figures
- Keep it: Section 24
- Sell it, or incorporate
- The upfront cost and payback
- Incorporation relief and the 2027 changes
- The tests, and the figures in words
- Saving and recap
Figures in the video are a worked example. Property Clues tools are educational calculators and checklists, not financial, tax, mortgage or legal advice. Speak to a qualified adviser about your own situation. The voice in the video is AI-generated.