#186

When most people think about investing in property they focus on everything else except the one factor that should probably be considered first: Tax planning.

Property tax specialist Neil Ryder of Property Tax 360 takes us through his Today, Tomorrow and Next week concept of tax planning.

During the episode, we discuss:

• Personalized planning for unique family situations
• Trade-offs between income tax and inheritance tax issues
• Use of discretionary trusts
• Importance of keeping estate values under £2 million
• Use of Form 17 for income distribution between spouses
• Creation of a property portfolio through a limited company
• Strategies for tax-efficient income extraction
• Issues with Director’s Loans and Interest
• Complexities of Hybrid Portfolios
• Incorporation and latent gains issues
• Challenges of remortgaging and personal guarantees when bequeathing property
• understanding latent gains
• Potential minimization through group structures
• Investment vs. Trading Considerations
• Classification issues impacting business relief and inheritance tax
• Purpose of cash reserves in trading companies
• The importance of communication in succession planning
• Communication and planning for efficient succession
• Probate process and limited company ownership
• Ownership and deed of trust for property benefits
• Shareholding structures in limited companies
• Returning to the UK and buying property
• Impact of Primary Residence on Inheritance Tax
• Nil rate band considerations
• Use of shares in a limited company
• Estate implications of jointly owned property by a couple
• Inheritance tax concerns on "second death"
• Transferability of unused allowances

We help time poor professionals get a good return on their money by investing with us. Schedule a call

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Keywords
Property investment, financial decisions, incorporation, trusts, tax implications, inheritance tax, UK property, estate planning, nil rate band, residential nil rate band, joint property ownership, limited company, tax strategy, discretionary trusts, estate value, tax planning, income tax, capital gains tax, stamp duty land tax, podcast episodes, seasoned property investors, property portfolio, director's loan accounts, latent gains, self-assessment issues, HMRC audits, hybrid property holdings, remortgaging, personal guarantees, business relief, corporate structure.