Structure Review & Legal Setup
A clear, plain-English explanation of what’s involved and what you’re paying for.
What you're buying
When you choose our Structure Review & Legal Setup, you are paying for a service that takes the complexity out of property structuring. We design your structure and handle the professional setup on your behalf.
This isn’t something you want set up incorrectly or need to unwind later, which is why we only manage this with UK-qualified solicitors.
Your service includes:
- ✓Professional Intake & Review: A sanity-check of your numbers and situation.
- ✓Professional Summary: A clear document explaining your specific setup for your records.
- ✓Full Legal Documentation: Prepared by a UK-qualified solicitor to formalise the arrangement.
- ✓Accountant Management: Managed support from our partner accountants for ongoing management.
How the structure works
The core mechanism
Most "accidental landlords" hold property in their own name, meaning rental profits are taxed as personal income. Our legal setup changes this by allowing your rental profits to be treated as company income for tax purposes, while legal ownership of the property remains in your own name.
What changes:
- Rental profit is taxed at Corporation Tax rates (19-25%) instead of your personal rate (40-45%).
- Mortgage interest becomes a fully deductible business expense for the company.
- Your "Adjusted Net Income" can be reduced, potentially restoring tax-free allowances and benefits.
What stays the same:
- The property title remains in your personal name.
- The mortgage remains in your personal name.
- You retain ultimate control and ownership of the underlying asset.
Tax-efficient cash extraction
Because the company effectively "owes" you for the value of the property or the initial setup, you can often repay yourself the post-tax rental profit as a tax-free director's loan repayment. This is one reason higher earners may find this structure effective.
Is this right for you?
This structure is not a "magic pill," but it is highly effective for specific scenarios:
The £100k Trap
For those earning near or over £100,000 who are losing their tax-free Personal Allowance.
Large mortgage balance
For landlords paying a significant amount of mortgage interest per year. This relates to the total interest paid, rather than the interest rate itself.
Childcare Benefits
For parents whose rental income is pushing them over the threshold for Tax-Free Childcare or free hours.
Multiple Properties
If you have more than one personally owned rental property, the tax impact of staying personal can compound significantly.
Our Step-by-Step Process
Sanity-Check
You run the calculator and submit your initial details. We review to ensure the structure is likely to benefit you.
Intake & Brief Preparation
After proceeding, you'll complete a secure intake with your specific property details. We then prepare a structured professional brief for the legal team to ensure your setup is precision-targeted to your situation.
Solicitor Drafting & Legal Review
A UK-qualified solicitor prepares your bespoke legal documents. They confirm the structure is correct for your specific situation before it is finalised and issued for your review.
Final Setup & Accounting Roadmap
Once your service is complete, we provide a strategic roadmap for the year ahead. This includes tailored recommendations for automated AI bookkeeping or partner-led accounting to keep your new structure running smoothly.
Common Questions
Can I do this myself?
While the core concepts are public, the value of our service is not just in the documents themselves. It is ensuring the structure is designed and implemented by a qualified legal professional for your specific situation. Attempting a DIY setup might save a few hundred pounds today, but getting it wrong could cost tens of thousands later in tax penalties or the cost of unwinding an incorrect structure.
Is this tax advice?
No. We provide the design and manage the implementation of your structure. Formal tax advice is provided by the UK-qualified solicitors and partner accountants who work as part of our service to ensure your setup is compliant.
What about my mortgage lender?
Requirements vary by lender. Most standard buy-to-let lenders are familiar with these types of arrangements, but part of the professional review involves checking how your specific lender might view the setup.
Why haven’t I been told about this before?
Many landlords never hit the specific conditions where this setup becomes worthwhile. Additionally, many general accountants don’t specialise in property trust law. It is usually only when rental income pushes people into higher tax bands or triggers the loss of benefits that the advantages become clear.