If you sell a property that has increased in value, you may need to pay personal property Capital Gains Tax (CGT) on the gain. Subject to budget changes, your main home may be exempt, but second homes, buy-to-lets, and investment properties are usually taxable. At Arnold Hill, we can calculate your potential liability, identify any available reliefs, and help you plan the timing of the sale to reduce the tax due.

Inheritance Tax (IHT) can significantly affect the value passed on to your family. Reliefs, trusts, and lifetime gifting strategies can all help, but each must be carefully structured.

Our specialists at Arnold Hill review your full estate and property portfolio to create a bespoke plan that protects your assets and ensures they are transferred efficiently.

You’ll usually pay Stamp Duty Land Tax (SDLT) on a property purchase, with different rates for second homes, buy-to-lets, and higher-value properties. We help clients check eligibility for reliefs, plan for surcharges, and structure purchases — personally or through companies — to minimise SDLT and future tax exposure.

The right ownership structure depends on your goals. Holding property through a company can offer lower Corporation Tax rates and flexibility for succession planning, but it also adds reporting requirements and may trigger additional SDLT or ATED charges. There is also significant risk of double taxation if access to cash is required. Arnold Hill can model both scenarios and advise which structure best suits your circumstances.

Rental income is taxable, whether from a single property or a portfolio. Deductions for expenses, finance costs, and allowances vary depending on ownership and property type. We help you maximise allowable deductions, plan for mortgage interest restrictions, and stay fully compliant with HMRC.

Non-UK residents must still pay UK tax on income and gains from UK property. This includes rental income and Capital Gains Tax on disposals. Arnold Hill advises overseas owners and families on structuring, reporting, and compliance across both UK and international tax regimes.

Ideally before buying, selling, transferring, or inheriting property — as early planning often unlocks the best outcomes. Personal property tax interacts across several areas (CGT, SDLT, IHT, and VAT), and decisions made at one stage can affect another. Our team at Arnold Hill provides clear, joined-up advice to help you make confident, well-timed decisions.