Support Solutions for Serious Investors

Successful property investment is about more than buying the right property at the right time. Without proper tax planning and risk management, even a great deal can turn into an expensive mistake. Our investment services include:

• Guidance on tax-efficient structures
• Setting up property trusts
• Forming property investment companies
• Risk management strategies
• Advice on gearing and portfolio growth
• Property transfers
• Transfer of shares

Every investor has unique goals and circumstances. We offer a complimentary introductory consultation so we can better understand your needs and walk you through the options available. Explore the sections below for more information, and visit our Expert Advice page for additional insights on property matters.

Investment Support Services

Tax Efficient Structures

Your investment goal plays a major role in determining the right ownership structure. The tax position of a long-term rental property differs significantly from a renovate-and-resell project. In some cases, grouping properties correctly may even allow you to register for VAT and reclaim VAT or transfer duty paid. Certain projects may also benefit from a trading trust, depending on the tax advantages available to you.

Property Trusts

Trusts offer long-term wealth protection, even beyond the lifetime of the founder. However, they must be used with care in property investment due to their specific tax implications. In some scenarios, a trust may be the most tax-efficient option, but it is essential to follow the correct processes and ensure the circumstances are appropriate.

Property Investment Companies

If your portfolio includes commercial assets or you foresee the need to restructure or unbundle investments, a company may offer the flexibility you need. This structure allows you to transfer shares, raise finance through debentures or new share capital, and potentially claim VAT or transfer duty refunds if the company is a registered VAT vendor.

Keep in mind that Property Investment Companies are governed by the Companies Act, and directors have significant responsibilities under the 2008 legislation. Expert guidance helps ensure proper compliance.

Risk Management

“Don’t put all your eggs in one basket” applies strongly in property investment. Your portfolio must be structured to protect you from the many risks inherent to the industry. Proper ring-fencing ensures that a problem in one area doesn’t threaten your entire portfolio.

Risks to consider include:

• Non-paying tenants
• Interest rate increases
• Damage or loss due to weather, accidents, or crime
• Market slowdowns

Strategic structuring can significantly reduce your exposure across these areas.

Gearing

Gearing (using borrowed funds to expand your portfolio, typically from a bank) is a powerful strategy for accelerating growth. The Loan-to-Value (LTV) ratio reflects the balance between the property’s worth and the amount financed. While gearing can be highly effective, it’s important to factor in potential interest rate hikes and shifts in market activity to avoid overexposure.

If you’d like to discuss more information on these topics or need guidance from our specialist property lawyers, give us a call or simply complete the contact form, and we’ll get back to you shortly.