Do you see yourself as an ‘accidental landlord’, ‘property investor’ or ‘business owner’?
Is your property portfolio structured appropriately?
Less Tax 4 Landlords is a specialist multi-disciplinary consultancy that helps property investors and portfolio landlords maximise the commercial benefits of building, running, and growing a recognised professional property business.
If you have an existing portfolio of properties, then please take our assessment to see if we can help you benefit from running a recognised property business.
What We Do
First and foremost we pride ourselves on providing clients with proper thought out business advice.
This necessitates an all-round service – which includes business consultancy, legal advice, financial advice and tax advice.
Central to this service is understanding your commercial needs and objectives, and devising solutions to help you achieve these objectives.
To this end we house the following services under one roof:
– Business Planning
– Tax Consultancy
– Legal Work
– Business Succession Planning
– Personal Estate Succession Planning
– And at arms length, Financial Advice
Please note that LT4L provide these services as part of a comprehensive package to our client community and do not usually offer them in isolation.
This multi-disciplinary approach is a unique service (in so far as we are aware) to the PRS, fully tailored to help you maximise the value of your business both today and during your lifetime whilst ensuring that you can pass on your hard-earned wealth to those you care about most.
“You don’t just go to Less Tax 4 Landlords for tax advice, you go for business restructuring advice and when you’re restructuring your business it’s not just the accounting aspect you need to think about but the legal aspect too. That’s what I found with Less Tax 4 Landlords, you get that all under the same hat.”
“If you’re an existing landlord and you have properties in your own name, how do you sort out the most effective way to manage your portfolio without having to sell it? Less Tax 4 Landlords were a godsend and they helped me set up the structure that I needed to carry on”
Who we can help
Typically (but not restricted to), landlords who:
- Own rental property in personal names,
- are (or would otherwise be) higher or advanced rate tax-payers,
- are portfolio landlords with 4 or more properties and in excess of £50,000 Gross Rental Income, or have the means, motivation and opportunity to get there and beyond with a protective business structure in place
- are looking to build, run, and grow a professional property business which is capable of being passed on intact to future generations.
By Taking Professional Advice You Could Enjoy:
- No need to remortgage or change title (thus no CGT or Stamp Duty)
- A lender-friendly business structure suited to your needs
- Seamless succession planning and protection from marital break-up
Plus, depending on your business requirements;
- Full relief for finance & mortgage costs (Section 24 Tax Changes)
- Reduced Capital Gains Tax (CGT) on Portfolio Reinvestment
- Inheritance Tax typically mitigated within 2 years of trading
- Maximum Tax Rate of 20% payable on your property income
We work with landlords looking to build professional businesses and in fact, by working with us over the long term, and providing it fits with your goals and aspirations, we would expect you to significantly increase your business profits.
The result? More money in your pocket, and more tax paid – not less!
How to join the LT4L Client Community
Initial Assessment (Day 1) [NO FEE]
You can begin an initial assessment with us by completing our online form, calling the office on 0203 735 2940 or meeting with us at one of our public events.
One of our dedicated telephone-based team will then conduct a preliminary assessment to help you work out whether you need or will benefit from our help.
Consultation (4 weeks from Day 1) [NO FEE]
When we both believe there is a good chance that we can help, you will be invited to an initial consultation free of charge at our London offices.
You will also have a scheduled call with your consultant prior to the meeting in advance of which we will require some documentation from you in order to ensure that both parties can gain maximum value from the consultation.
This includes your last 2 years tax returns and a property portfolio statement.
Our consultants will undertake hours of detailed assessment of an individual’s position and for this reason we typically schedule these meetings 4 to 6 weeks in advance.
Most landlords will be in a position following this meeting to make an immediate decision on whether or not to proceed to the next stage.
Meet The Team (6 weeks from Day 1)
If we all agree that we should work together for the long term, and that you will get a return on your initial investment (our total professional fees) within an agreed timeframe, then we’ll invite you to Meet the Team for a 90-minute fixed fee engagement and advice session with the senior advisory board.
Tax Effective (8 weeks from Day 1)
If we’re both satisfied that you have sufficient understanding, and all parties are happy to go ahead, then we’ll agree a fully tax deductible fixed fee based upon what we have to do to make any new visible business structure operational and effective.
Ongoing Support for the Lifetime of Your Business
Once on board, as well as having your affairs arranged to best effect, you will also benefit from ongoing support and advice for any further changes to your portfolio.
In addition, twice a year you will meet with one of our business planning consultants to help ensure your business remains in line with your stated business goals and objectives.
As a client you will be welcomed into the LT4L Client Community and receive invitations to our highly popular Annual Client Community BBQ, as well as regular private events.