UK Landlord Consultancy

Property118’s UK Landlord Consultancy archive brings together articles, case studies, and insights from our consultancy team. The focus is on helping landlords plan for long-term sustainability, refinancing, succession, and business continuity.

Articles in this archive highlight the principles we apply, the commercial reasoning behind our recommendations, and examples of how consultancy has helped landlords achieve clarity and control over their property businesses.

Beneficial ownership changes: if the lender’s charge is intact, what exactly is the problem?

Author: Mark Alexander

26th August 2026, 1 week ago | 0

Mortgage brokers told us that many lenders still become nervous at the mention of trusts or beneficial ownership, even where...

Would you pay £200,000 CGT for a £2.8 million director’s loan account?

Author: Mark Alexander

25th August 2026, 1 week ago | 0

Most landlords considering incorporation want to know how they can defer Capital Gains Tax. One landlord is preparing to do...

HMRC thought it had fixed its 20-hour landlord guidance, but has another property tax case exposed the next flaw?

Author: Mark Alexander

25th August 2026, 1 week ago | 0

Seven days before HMRC amended its controversial 20-hour guidance for landlord Incorporation Relief, the First-tier Tribunal handed down another property...

HMRC changes 20-hour landlord incorporation guidance weeks after Property118 open letter

Author: Mark Alexander

23rd August 2026, 2 weeks ago | 0

HMRC has changed its published guidance on the controversial 20-hour test for landlord Incorporation Relief, expressly confirming that somebody who...

HMRC sets out new claim rules for landlord Incorporation Relief

Author: Mark Alexander

22nd August 2026, 2 weeks ago | 0

HMRC has published detailed new guidance explaining exactly what taxpayers must provide when claiming Section 162 Incorporation Relief for business...

Case study: How later professional advice may have left a landlord couple unable to access their own capital

Author: Mark Alexander

21st August 2026, 2 weeks ago | 1

This case study is based upon the contemporaneous correspondence presently available to Property118. Names, precise financial details and other identifying...

Property118 landlord incorporation tribunal decision graphic highlighting DOTAS ruling and First-tier Tribunal vindication.

Why experience matters when incorporating a property business

Author: Mark Alexander

18th August 2026, 2 weeks ago | 0

I’m going to say this plainly: no other organisation has more practical experience of landlord incorporation than Property118. That is...

Refinanced at incorporation? Your adviser may need to notify their PI insurer

Author: Mark Alexander

16th August 2026, 3 weeks ago | 2

Many landlords were told that replacing their personal or partnership mortgages with new borrowing in their company’s name was the...

From landlord to lender: the due diligence behind my 10% loan note

Author: Mark Alexander

16th August 2026, 3 weeks ago | 1

Commercial disclosure: I have personally invested in the type of loan note described in this article. Property118 may receive a...

Seven key Tribunal findings supporting Property118’s SIS and CAR incorporation structures

Seven findings in the Property118 Tribunal judgment critics seem reluctant to discuss

Author: Mark Alexander

10th August 2026, 3 weeks ago | 5

As the founder of Property118, I have watched our clients spend more than two years living with HMRC allegations, discovery...

Cross-section illustration of a property company using freezer and growth shares for family succession planning.

Freezer and growth shares explained: separating control, income and future family value

Author: Mark Alexander

9th August 2026, 4 weeks ago | 0

Incorporating a property business can resolve several immediate commercial challenges, including liability management, refinancing flexibility, business continuity and the practicalities...

Section 162 Incorporation Relief: a new claim requirement, not the end of the relief

Author: Paul Hill

6th August 2026, 4 weeks ago | 0

A significant change has now taken effect for landlords and other business owners transferring a qualifying business to a company....

Incorporation illustration comparing tax advisers, lawyers and lenders in relation to landlord incorporation relief risks.

Did tax advisers, lawyers and lenders get landlord incorporation wrong?

Author: Mark Alexander

4th August 2026, 1 month ago | 1

The First-tier Tribunal has confirmed that refinancing at the point of incorporation can jeopardise full Incorporation Relief, while the Property118...

Could your family afford to keep your property portfolio after you die?

Author: Mark Alexander

3rd August 2026, 1 month ago | 4

A successful landlord may leave behind a property portfolio worth several million pounds, but that does not necessarily mean the...

Serviced office company loses inheritance tax relief despite extensive services

Author: Mark Alexander

31st July 2026, 1 month ago | 0

At first glance, the business considered by the Upper Tribunal in The Executors of Keith Denis Lewis Beresford v HMRC...

Case study: What is this £3.4 million property portfolio really earning?

Author: Mark Alexander

3rd July 2026, 2 months ago | 0

Every year or two, I carry out a detailed review of my own property and investment portfolio. The exercise is...

BTL company vs personal calculator

Author: Mark Alexander

3rd July 2026, 2 months ago | 0

One of the most common questions landlords ask is whether they would pay less tax by owning their rental properties...

Could semi-commercial property be the next opportunity for landlords?

Author: Mark Alexander

30th June 2026, 2 months ago | 3

For many landlords, the biggest challenge today is not simply improving rental yields. It is finding investments that still produce...