Ryan Stevens

Reply to the comment left by David at 16:30 The VAT on electricity is only 5% and only for 6 months, so hardly a worthwhile amount. It also has to be paid for by more taxes elsewhere.

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How is the government going to afford all these initiatives? They are already having to borrow to pay the interest on the debt!

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Making Tax Digital exemption?

29th September 2026, 5 days ago

Also, whilst HMRC will generally not accept BTL as a trade they will accept it as a business.

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Reply to the comment left by Kate Mellor at 29/09/2026 - 10:04Your accountant is talking nonsense, I have registered numerous clients as partnerships. You can have investment partnerships.

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Prepare by forming a partnership where possible. Partnerships are exempt from Making Tax Difficult.

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It's great (for the government) that you have to pay tax, even if you make a loss after interest costs!

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Why would someone want to BTL properties now? There are lots of risks and no real gains. In addition, if you buy personally, the rental profits BEFORE interest are added to your other income and can adversely affect your ability...

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Unlikely to be particularly viable. If a UK company it is likely subject to UK corporation tax as a default. If a foreign company UK residential property income is likely subject to corporation tax, and all profits would be taxable...

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I am probably getting less than 3%pa return after expenses and paying 60% tax due to only 20% tax relief on interest. The capital values are going down, not up, and likely to continue to go down due to high...

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Reply to the comment left by Tim Peters at 09/09/2026 - 10:04Sadly, a professor cannot get the basics right. Self-employed cannot take dividends, only shareholders in (generally) small companies can do so, instead of or in addition to a salary....

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House prices see first annual drop since 2023

7th September 2026, 4 weeks ago

With high interest rates on gilts mortgages are likely to get more expensive, along with more sellers due to RRA, etc., I would expect property prices to be on a downward spiral.

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Aside from anything else, there are potential tax issues if a property in a limited company is rented to a family member at leas than market rent.

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It is not rocket science. What did the government think landlords would do if they have no visibility on income?

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"....if the government decides to bring CGT rates in line with interest rates". I would be SOOOO happy. Interest rates are about 4-5%! Current CGT rates are somewhat higher:-D

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Reply to the comment left by Judith Wordsworth at 09:27 Generally, this would be for married couples and property already held jointly, just not as a partnership, so CGT is not an issue.

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The call is always for the government to do something (whilst Shelter does nothing practical). No it doesn't. The government has to do something - they did - RRA. Now landlords are selling, Result - higher rents. The government has...

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60% tax for a 40% taxpayer (due to only 20% tax relief for interest) is a bit of a disincentive! Combine that with all the RRA and local authority regulations and potential for fines/criminal records, along with the threat of...

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The easy route to avoid MTD, where available, is to set up a partnership. Partnerships and limited companies are exempt from MTD (and likely to remain so. I doubt if the government has the appetite for yet another round of...

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HMRC itself has regarded this as an unresolved guidance issue since at least 2024, so it is difficult to accept that thousands of advisers should somehow have known for years that the ordinary refinancing route definitely failed.

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Reply to the comment left by Fergus Wilson at 16:41 That was tongue in cheek. I agree we need some migrants, indeed, I am married to one. However, we do not need so many migrants. We have 9.11 million people...

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Ryan Stevens

Ryan Stevens


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11th January 2024

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