No Debt? Should you incorporate your portfolio?

No Debt? Should you incorporate your portfolio?

15:03 PM, 12th June 2020, About A year ago

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In this video interview with Mark Alexander, founder of Property118, we explore the opportunities afforded to landlords with no mortgages or low mortgages in regards to transitioning their ownership structure to a Limited Company. This is also known as ‘incorporation’

It is widely acknowledged that more than half of the UK’s wealthiest residential landlords have no mortgages at all.

The ‘impact report’ produced by the Office for Budget Responsibility in 2015 suggested that only 19% of landlords would be affected by the restrictions on finance cost relief. Therefore, it is reasonable to assume this is because the majority of landlords have no mortgages, which raises the question; what is the optimal ownership structure for those unaffected landlords? The video below answers this question.


  1. 8:40 for HMRC manual regarding Capital extraction >>
  2. 14:44 Link to case study article – Merchant banker £12m business >>
  3. 21:40 Tax Planning and book consultation page >>

Landlord Tax Planning Consultancy is the core business activity of Property118 Limited (in association with Cotswold Barristers).

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Consultations include Fact Find, expert analysis and a recorded video conference with your Property118 Consultant and your Accountant. Thereafter, our recommendations will be reviewed by Cotswold Barristers (at no extra charge). If they agree, and if you instruct them to complete the legal work to implement our suggestions, Cotswold Barristers will adopt our recommendations as their own professional advice, for which they carry professional indemnity insurance of £10,000,000 per claim. All consultations are confidential and you will be provided with a copy of the recording of the video conference. We GUARANTEE total satisfaction or a full refund.
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