My portfolio consists of both individually owned and limited company BTLs. How do I accurately calculate my post-Section 24 taxable income across both structures, and are there benefits to transferring all properties into a company now?
Quick Answer
Individual landlords get a 20% tax credit on finance costs post-Section 24, while limited companies deduct all mortgage interest before corporation tax. Transferring properties incurs significant SDLT and CGT.
About This Topic
Calculate post-Section 24 BTL income for individuals (20% finance cost credit) vs. limited companies (full interest deduction). Understand 5% SDLT surcharge and 18-24% CGT costs for transferring properties in the UK.
This question is part of our Tax & Accounting category, providing expert guidance on UK property investment.
Expert Guidance from Steven Potter
Steven Potter is a UK property investment coach with a £1.5M portfolio and over 5 years of hands-on experience. He has helped over 1,000 students achieve their property investment goals through practical, ethical strategies.
Ready to Take Action?
Get personalised property investment coaching with Steven Potter's Property Freedom Framework.
Learn about the Property Freedom Framework