GoldHouse Accounting

GoldHouse Accounting Zee Razaq, the Managing Director of GoldHouse Accouting and SKY TV expert, covering all your property, tax, business accounting needs.

Trading business + rental property under one holding company. It looks efficient. Move profits over, pay corporation tax...
03/09/2026

Trading business + rental property under one holding company. It looks efficient. Move profits over, pay corporation tax instead of personal tax, buy the property, done.

Except HMRC has tests for this. If the property investment side gets too large relative to the group, you can lose Business Property Relief on the trading side too. That's inheritance tax relief on the whole group, gone, because of the property sitting next to it.

Same story with capital gains. Get the balance wrong and you lose Gift Relief, Business Asset Disposal Relief (the 18% rate on the first £1m), and a few others besides.

Most people never find out until there's a sale, a gift, or a death forcing the issue. By then it's too late to restructure.

If you've got trading and property sitting in the same group, it's worth getting checked before something forces the question for you.

Swipe through for the numbers 👇

Are you paying tax on money you've never actually made?For thousands of UK landlords, that's exactly what Section 24 has...
05/08/2026

Are you paying tax on money you've never actually made?

For thousands of UK landlords, that's exactly what Section 24 has done.

Changes to mortgage interest tax relief have increased tax bills, squeezed cash flow, and made it harder for many buy-to-let investors to stay profitable.

The good news? There are legitimate strategies that may help reduce the impact, but the right approach depends on your circumstances.

In this carousel, we explain:
✔ What Section 24 actually is
✔ Why it's catching so many landlords out
✔ How it affects your cash flow
✔ Potential ways to reduce the impact

📌 Save this post if you own rental property.

💬 Has Section 24 changed the way you invest in property?

Could the UK Gov bring in a new double tax on death?One proposed change could remove the Capital Gains Tax uplift on dea...
23/07/2026

Could the UK Gov bring in a new double tax on death?

One proposed change could remove the Capital Gains Tax uplift on death, potentially meaning both Inheritance Tax and Capital Gains Tax apply to the same inherited asset.

The result? Higher tax bills, difficult financial decisions, and in some cases, families being forced to sell inherited property.

Planning ahead has never been more important.

Swipe through to see a simple example of how it could work and what steps may help protect your estate.

💬 Do you think this would be a fair change?

📌 Save this post for future reference.

Most property developments don't fail because of poor construction.They fail because of poor planning.From VAT and SDLT ...
08/07/2026

Most property developments don't fail because of poor construction.

They fail because of poor planning.

From VAT and SDLT to cash flow, CIS and exit strategies, there are tax and finance decisions that can make or break your project before you've even sold the first property.

In this carousel, we cover four of the biggest mistakes property developers make, and how to avoid them.

💬 Which of these catches developers out the most?

📌 Save this post for your next development project.

Are buy-to-lets really dead in the UK?Not quite.The problem isn't buy-to-lets themselves. It's that many investors are b...
02/07/2026

Are buy-to-lets really dead in the UK?

Not quite.

The problem isn't buy-to-lets themselves. It's that many investors are buying deals that simply don't stack up anymore.

In this post, we break down:
✔ Why traditional buy-to-lets are struggling
✔ How to calculate true ROI
✔ The BRRR strategy investors still use successfully
✔ Why structure matters just as much as the deal

Swipe through to see whether buy-to-lets still deserve a place in your property strategy.

If you wanted to pay less tax and keep more privacy...Where would you move?Most people immediately think of Dubai.Others...
24/06/2026

If you wanted to pay less tax and keep more privacy...

Where would you move?

Most people immediately think of Dubai.

Others assume it's the Cayman Islands, Switzerland, or somewhere in the Caribbean.

But when we compared six of the most popular countries investors ask about, the results weren't quite what many expected.

We looked at:

✔ Income tax
✔ Capital gains tax
✔ Corporation tax
✔ Inheritance tax
✔ Exit taxes
✔ Worldwide taxation
✔ Public reporting requirements
✔ Withholding taxes

Some countries that are incredibly popular ranked surprisingly low.

Others performed far better than most people realise.

Swipe through to see how the USA, Canada, UK, Bahamas, UAE and British Virgin Islands compare.

Which country do you think came out on top?

👇 Let us know before you swipe.

Most property investors focus on finding the next deal.The smartest investors focus on what owns the deal.A commercial-t...
17/06/2026

Most property investors focus on finding the next deal.

The smartest investors focus on what owns the deal.

A commercial-to-residential conversion can generate significant profits. But the structure behind the project often determines how much of that profit you actually keep.

Should the property sit in an SPV?

Would a holding company support your long-term growth plans?

How will your structure affect financing, refinancing, future acquisitions, and eventual exit?

These questions are rarely asked early enough.

The right structure can help you:

✔ Ring-fence risk
✔ Improve lender confidence
✔ Create cleaner financial reporting
✔ Reinvest profits more efficiently
✔ Build a scalable property portfolio

The wrong structure can create unnecessary tax, financing headaches, and expensive restructuring later.

Before you start your next conversion project, make sure your structure supports your long-term goals, not just the deal in front of you.

Swipe through to discover when an SPV, holding company, or personal ownership might make sense for your next commercial-to-residential conversion.

Need help choosing the right structure for your project?

Send us a message and we'll help you build a strategy around your exit plan, funding requirements, and long-term wealth objectives.

The difference between a profitable commercial-to-resi conversion and a painful one is rarely the purchase price.It's th...
10/06/2026

The difference between a profitable commercial-to-resi conversion and a painful one is rarely the purchase price.

It's the costs you didn't see coming.

Hidden structural issues. Asbestos. Drainage problems. Fire compliance upgrades. Soundproofing requirements.

These are the expenses that quietly eat away at margins and turn promising deals into disappointing returns.

The developers who consistently succeed aren't necessarily finding better opportunities. They're controlling costs better than everyone else.

A few simple disciplines make a huge difference:

✓ Invest in the right surveys before you buy
✓ Separate build costs, soft costs and finance costs
✓ Build realistic contingencies into every appraisal
✓ Choose builders based on clarity, not just price
✓ Track cashflow as closely as you track the build itself

The best projects aren't the ones that go perfectly.

They're the ones where surprises don't destroy profitability.

Swipe through for practical ways to protect your margins on your next commercial conversion.

If you're running development projects through a limited company and want better visibility over project costs, cashflow and profitability, send us a message.

Most business owners focus on making more money.The smart ones focus on keeping more of it.Once profits start scaling, c...
04/06/2026

Most business owners focus on making more money.

The smart ones focus on keeping more of it.

Once profits start scaling, corporation tax becomes one of the biggest drags on growth. For many UK entrepreneurs, that means watching 25% disappear to HMRC before they can reinvest into property, expansion or long-term wealth building.

This is where SSAS pensions become incredibly powerful.

A SSAS is not just a pension.
It can become:
• A corporation tax reduction tool
• A commercial property acquisition vehicle
• An asset protection structure
• A way to finance your own business growth
• A vehicle for generational wealth planning

In this carousel, we break down how business owners are using SSAS structures to:
✓ Reduce corporation tax
✓ Buy commercial property tax-efficiently
✓ Ring-fence family wealth
✓ Loan money back into their business
✓ Build long-term financial security outside their trading company

For property developers, consultants and scaling business owners, this can completely change how you think about profit.

Swipe through to learn more.

If you'd like to explore whether a SSAS structure could work for your business, send GoldHouse Accounting a message.

For years, Furnished Holiday Lets were one of the most tax-efficient property strategies in the UK.Higher yields. Better...
27/05/2026

For years, Furnished Holiday Lets were one of the most tax-efficient property strategies in the UK.

Higher yields. Better reliefs. Bigger opportunities.

But the rules changed and many investors still haven’t adapted.

The result?
Shrinking margins, rising tax bills and portfolios that no longer perform the way they used to.

In this carousel, we break down:
• What actually changed with the FHL regime
• Why mortgage relief is now hurting investors harder
• The hidden pension and capital allowance impact
• Why limited companies and family structures are becoming essential
• How smart investors are restructuring for 2026 and beyond

Because in property, the investors who survive long term aren’t always the ones with the biggest portfolios.

They’re the ones who adapt fastest.

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