Structure Review
We'll sanity-check your rental details and coordinate your professional setup with UK-qualified partners.
Inputs
All amounts in GBP (£) and annual unless stated.
Potential Savings
Annual
£14,676
5-Year
£73,380
This setup could pay for itself in around 1 months.
Get this reviewed and set up properlyWe’ll sanity-check your details and confirm suitability before any legal work or fees are committed.
indicative annual benefit of company structure
Indicative Impact Summary
- Rental income no longer pushes you over the £100k income threshold.
- This restores your full £12,570 Personal Allowance (worth ~£5,000 in tax).
- Trade-off: company profits are taxed at Corporation Tax instead of personal income tax rates.
Example: what this changed for one accidental landlord
Before: est. tax position
£14,200 tax paid
After: est. tax position
£4,800 tax paid
Cost to fix
£448 (one-off)
Net annual benefit
£9,400 better off
Figures simplified for illustration.
| Annual Comparison | Without | With | Saving |
|---|---|---|---|
| Rental numbers | |||
| Rental profit (before interest) | £27,000 | £27,000 | £0 |
| Mortgage interest paid | £12,000 | £12,000 | £0 |
| Tax outcomes | |||
| Tax on rental profit | £16,550 | £5,130 | £11,420 |
| Mortgage interest tax credit | -£2,400 | £0 | -£2,400 |
| Allowance loss tax cost | £5,657 | £0 | £5,657 |
| Benefits & Childcare | |||
| Net annual position | -£4,806 | £9,870 | £14,676 |
How you personally pay the mortgage
If you pay the £12,000 mortgage interest personally, the company can repay you up to £12,000 of this from its rental profit (post-tax) as a tax-free loan repayment. Any remaining profit is retained in the company.
Ready to coordinate your setup?
Based on these figures, you could be £14,676 better off per year.
Get this reviewed and set up properlyWe’ll sanity-check your details and confirm suitability before any legal work or fees are committed.
Indicative only. No obligation to proceed.