The Property Podcast ASK496: Should we use a Ltd Co for just one property? PLUS: Is there capital growth in this area?
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Sep 30, 2025 Sean embarks on his property journey, debating whether to keep his new rental in his personal name or transfer it to a limited company. The hosts explore the tax implications and administrative challenges of such a move. Meanwhile, T from Dubai inquires about investment opportunities in the South Wales Valleys, as he’s spotted promising BRR deals. The discussion highlights the importance of thorough research and vetting partners when investing remotely. Overall, South Wales is deemed an acceptable market, but not top-tier for growth.
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Keep Existing Home Personally Owned First
- Do keep the home you already own in your personal name initially instead of forcing it into a limited company.
- Consult a tax adviser and talk to a mortgage broker about buy-to-let or consent to let before deciding.
Upfront Transfer Costs Can Outweigh Savings
- Transferring a property from personal to company ownership triggers capital gains tax and stamp duty on the 'sale' to the company.
- Those upfront costs can outweigh future annual tax savings unless you plan a long-term portfolio.
Set Up A Company Early Only If Scaling
- Do learn the company vs personal ownership trade-offs using Property Hub resources and seek tailored tax advice.
- Only set up a limited company from day one if you plan to build a multi-property portfolio.