limited company

Happy Tuesday! We’re back with two more listener questions!   

• (0:45) Tom's in the process of selling a property and stands to make a large chunk of money. Contemplating quitting his day job and moving into full-time property investment, he turns to Rob & Rob for their thoughts and valuable advice. 
• (4:48) Jack’s had a brainwave that he’s thinking about sharing with his local MP and asks the guys what they make of his idea and if it already exists.

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We’re back again this week for another Ask Rob & Rob.

Our first question this week comes from Dorian. His question is around income tax for buy-to-let properties, with the new Section 24 rules. 

Dorian and his wife are looking at investing in their first buy-to-let and they’ve been told that a lot of lenders won’t lend them the funds through a limited company because they’re first time landlords.

Their other thought was to purchase as individuals which will then result in the income from the property being fully taxed on. 

So Dorian wants to know if there’s a way around this? Can they own the property as individuals and put the income through a company, or is that not doable? 

Rob B clears up the speculation on what Dorian has already been told and what he can do. 

The second question comes from Esmarelda who wants to know if she should invest her £230,000 in an apartment in Plumstead near the Crossrail or a house in Luton? 

We gathered from her question that she may want to be sticking to investing in the south, so Rob D pinpoints some areas that would be best to consider if the south is at the top of her checklist. 

Tune in to find out where he suggests.

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

This week on Ask Rob & Rob, we’ve got Dave Cookson joining the guys again to answer even more mortgage related questions.

Maybe we should have dedicated this month’s ‘ask’ questions to Dave. But nevertheless we’ve got another two cracking mortgage related questions that you may never have thought to ask before.

So let's get started...

The first question comes in from Stuart who has more than one buy to let property in his personal name.

He’s wanting to know if there is a mortgage product where you can combine all of your BTL mortgages into one and effectively just have one lump mortgage that covers all of your properties.

Turns out it’s a pretty common question and one that Dave gets asked quite frequently; ‘can I have one lender that supports my portfolio in a limitedconpany?’ You’ll have to tune in to find out the answer…

Our second question comes from a listener who is wanting to know if he needs a limited company for every property that he purchases. He’s heard of some investors using this strategy but is wondering what’s best in terms of mortgageability.

What’s Dave’s opinion on multiple companies and what advice does he give?

Hit the play button to find out.

Tune in next week when Dave will be back once again to answer more mortgage questions.

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours.

Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

Welcome to another Ask Rob & Rob - that time of the week where you send in your property investment questions and the Robs give you the answers.

First up we have Adam from London. He already has a 2-bedroom buy to let investment property in Cheltenham which is performing well.

He’s looking at purchasing a second buy to let property and wants to know if the current loophole on the restriction of mortgage interest relief for limited companies is likely to close any time soon.

Naturally Adam doesn’t want to go through the trouble of setting up a limited company if this property loophole is likely to get closed - so what do Rob & Rob think?

Should he save himself the hassle of registering a business and make his buy to let property purchase personally? And is it actually a loophole Adam is referring to? Rob D has some interesting thoughts on this.

Listen to the podcast to hear more or click here for information about Property Hub Tax and join the priority list.

Second up we have Danny from Portsmouth who wants to know if gaining planning permission will increase the value of his investment property.

Danny has recently purchased a corner plot and has a plan A and plan B. Should he put a dwelling on the end or change it to a 4-bedroom house, adding two bedrooms via an extension? He wants to know if there’s a tool to show you what you could increase values by if he was to sell his investment property with agreed planning permission.

Now, Rob B has some top notch advice here, utilising his wealth of property development knowledge. Make sure you jot some notes down for this one as it’s a great question and the answer isn’t quite as straightforward as you may think.

Enjoy this week’s Rob & Rob.

Do you have a property or property investment related question for Rob & Rob? If you’d like to feature on the next episode, give us a call on 013 808 00035 and leave a message with your name and question (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours.

Have you joined us over in The Property Hub Forum yet? If you love property chit chat, this is the place for you. Our online community are a friendly bunch, keen to share their knowledge and experience. So get yourself over and introduce yourself.

See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week’s edition of ‘Ask Rob & Rob’, Steve & Haseem ask Rob & Rob... Can I buy my home through a limited company? PLUS: Will my plan to avoid stamp duty work?... ASK YOUR OWN QUESTION TO ROB & ROB!

Don't be shy! All you need to do is leave a message with your name and whatever's on your mind.

Just pick up the phone and call 013 808 00035 (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week’s edition of ‘Ask Rob & Rob’, Matt & Sunny ask Rob & Rob some interesting questions!

ASK YOUR OWN QUESTION TO ROB & ROB!

Don't be shy! All you need to do is leave a message with your name and whatever's on your mind.

Just pick up the phone and call 013 808 00035 (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

See omnystudio.com/listener for privacy information.

It's time for another couple of questions in this week’s edition of ‘Ask Rob & Rob’,  Giles from York and Mandeep from Leicester…

...ask Rob & Rob... Will limited company mortgages really get cheaper? PLUS: How do you price up a lease extension?

ASK YOUR OWN QUESTION TO ROB & ROB!

Don't be shy! All you need to do is leave a message with your name and whatever's on your mind.

Just pick up the phone and call 013 808 00035 (normal UK call rates apply).

Or if you prefer, click here to leave a recording via your computer instead.

NEED MORE ANSWERS?

The Property Hub Summit is the place to get all your questions personally answered by Rob & Rob, and build a network of other smart, motivated investors.

Over the course of a full day at a swanky hotel we'll help you set your goals, form a plan to get you there, overcome your obstacles, and give you the support system you need to make sure nothing gets in your way.

Just don't hang around - there are only four Summits each year, and just 8 places available at each!

Interested? Click here to find out more.

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Investing through a limited company has become exponentially more popular over the last couple of years – but there are aspects of limited company investment that you’re normally not told.

In this episode we bring together our own experiences and observations to shed some light on:

• The higher costs associated with limited company lending
• The time you can expect an application to take (and some corrective action that might be needed)
• The extra steps you’ll need to take, compared with individual applications
• Some points to be aware of as a result of the market being so new

None of this is intended to put you off: just to encourage you not to rush blindly into something without getting the right advice, and give you some pointers for what to expect along the way.

RESOURCE OF THE WEEK

This episode is about some of the little-known details, but we’ve also put together a course about the bigger picture aspects of limited company investing.

It’s completely free, and you can watch it here

NEWS THIS WEEK

Superstar fund manager Neil Woodford has had a rough year – and he’s trying to turn it around by buying into property shares, as reported in the FT.

This doesn’t mean you should blindly pile in too – but it might give you encouragement that he clearly believes in the health of the sector.

JOIN THE CONVERSATION

Is there anything you wish you’d known before buying in a limited company?

Any experiences that other investors could learn from?

We’d love to know, so join the discussion in The Property Hub!

IF YOU ENJOYED THE PROPERTY PODCAST, PLEASE LEAVE A REVIEW ON ITUNES

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This week on Ask Rob & Rob, Malcolm asked: Which mortgage should I choose? Never an easy decision! The answer touched upon the various ways in which limited companies affect the purchase of the property. It also talks about bridging finance which is more expensive than a BTL mortgage but serves the purpose of making the […]

The post ASK18: Which mortgage should I choose? appeared first on The Property Hub.

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It’s a frequent debate, which has had fuel added to it by the recent Budget measures: should I shelter my property investments within a limited company? There are benefits in terms of inheritance tax and treatment of financing costs, but drawbacks for drawing out cash and tax on capital gains. So what to do? In […]

The post TPP125: Should you create a limited company for your property portfolio? appeared first on The Property Hub.

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