Grace Certified Accountants

07/11/2025

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🏠 Selling a rental property this year?
Capital Gains Tax could take a big bite. Here’s what landlords need to know:

📊 HMRC taxes the gain — not the sale price
✅ You can deduct legal fees, estate-agent costs, improvements
❌ You can’t deduct repairs or regular maintenance
💰 New 2025 CGT Rates:
• 18% – Basic-rate taxpayers
• 24% – Higher-rate taxpayers

⏳ Report & pay within 60 days — or face penalties.

🎥 Watch the full video: “Selling a Buy-to-Let Property – CGT Explained”
📖 Read the full guide: https://cutt.ly/utqj7Y7h

07/11/2025

🏡 Selling your rental in 2025?
Don’t let Capital Gains Tax (CGT) take you by surprise.

In this clear breakdown, we explain:
✅ How CGT is calculated on property gains
✅ What expenses and improvements reduce your tax bill
✅ When Private Residence Relief still applies
✅ Real example: £10,992 tax on a £45,800 gain
✅ Why reporting within 60 days is crucial

💡 It’s not the sale price you’re taxed on — it’s the gain.
Plan smart and save more.

📺 Video drops Sunday, 9 November
📖 Read the full guide: https://cutt.ly/utqj7Y7h

05/11/2025

Limited Company or Personal Name?
The 2025/26 tax rules just changed — and landlords could lose thousands without realizing it.

Watch this video to see real numbers, real mistakes, and what works best for your rental strategy.

👉 Watch Now: https://youtu.be/WzrXSTtwO4s

05/11/2025

Limited Company or Personal Name?
The 2025/26 tax rules just changed — and landlords could lose thousands without realizing it.

Watch this video to see real numbers, real mistakes, and what works best for your rental strategy.

👉 Watch Now: https://youtu.be/WzrXSTtwO4s

Hello, ✤ Welcome to “Dora Ngoma - Grace Certified Accountants” ✤Thinking about buying a rental property in 2025 — but unsure whether to do it in your persona...

04/11/2025

🏠 Own a rental property?
Wondering if a Limited Company saves more tax in 2025?

⚠️ Not so fast…

🔻 Section 24 limits mortgage relief in your own name
✅ Companies get full interest relief — but
💸 You’ll pay Corporation Tax and Dividend Tax
🚨 And now, the 5% SDLT surcharge hits companies too

So… is it really cheaper?

📊 I’ve crunched the 2025 numbers — watch the breakdown on the Grace Certified Accountants channel.

WatchNoW Search: “Limited Company vs Personal – The Real 2025 Tax Difference”
Watch now: https://youtu.be/8Zd2k_lw8VY

04/11/2025

Should you hold your rental in your own name — or through a company?
On paper, the company route looks cheaper. But when you factor in CGT, SDLT, Section 24, and dividend tax — it’s not always so simple.

In this side-by-side breakdown, we reveal:
✅ The real impact of Section 24 on personal ownership
✅ How mortgage interest rules differ for companies
✅ What happens when you transfer a property into a company
✅ Full example: tax owed on £5,200 profit in both structures
✅ When a company structure actually makes sense

💡 One decision today affects your tax for years — get the facts before you switch.
📺 Video goes live 5 November
📖 Read the full guide: Check the comment below

02/11/2025

Thinking of taking over a property from your Ex?
No money changing hands — just a clean handover?

Not so fast… HMRC doesn’t see it as a gift.

Whether it’s a rental flat or family home, if you’re transferring ownership without understanding Capital Gains Tax and Stamp Duty Land Tax, you could face an unexpected tax bill.

🎯 In this must-watch guide, Dora from Grace Certified Accountants explains:

✅ How HMRC taxes property transfers between ex-partners
✅ The 60-day CGT reporting rule
✅ When SDLT still applies (even if it’s a “gift”)
✅ Whether putting it into a company really helps
✅ What to do before signing the transfer

👉 Watch now before your refinance or transfer causes a tax shock.
Watck Now: https://youtu.be/8Zd2k_lw8VY

Watch Now: https://youtu.be/8Zd2k_lw8VY

Hello, ✤ Welcome to “Dora Ngoma - Grace Certified Accountants” ✤ Can You Transfer a Property From Your Ex Without Paying Tax? (UK 2025/26)Thinking of taking ...

31/10/2025

Think your Ex can just “give” you their share of the flat?
HMRC doesn’t call that a gift — they call it a taxable sale.

⚠️ Not married?
➡️ Your ex could owe Capital Gains Tax
➡️ You might owe Stamp Duty if you take on the mortgage

💸 What feels free can cost thousands.
📊 Before you sign or remortgage, know the numbers.

📺 Watch the full breakdown on YouTube
🔎 Search: Grace Certified Accountants – Property Transfer Tax Explained

31/10/2025

Not married, but still own a property with your Ex?
Transferring it isn’t as simple as signing the papers — both CGT and SDLT may apply.

In this new guide, we explain:
✅ Why HMRC treats it as a taxable sale (even without cash)
✅ How Capital Gains Tax hits the person giving up the property
✅ Why Stamp Duty still applies if a mortgage is involved
✅ Real-life scenario + tips for reporting, timing & reliefs

📺 New video goes live: 2 November
📖 Read the full blog now: Check the comment below.

🚫 Not married = no tax-free “no gain/no loss” rules.
Know the facts before you transfer.

29/10/2025

Still co-own a property with your Ex?

Selling or buying out their share might trigger unexpected tax and legal costs.
Before you act — know the rules on Capital Gains Tax, Stamp Duty, and court orders.

📺 Watch now for a clear breakdown: https://youtu.be/CIVdOf69pvc

Hello, ✤ Welcome to “Dora Ngoma - Grace Certified Accountants” ✤Selling a Property You Own With Your Ex – What You Need to Know About Tax and Legal Costs Sel...

28/10/2025

Still own a property with your ex?
Selling or buying them out can trigger Capital Gains Tax — unless it’s done the right way.

Court order = No gain, no loss
Private transfer = Up to 24% CGT
Mortgage involved? Stamp Duty may apply too

It’s not just about the breakup — it’s about what HMRC sees on paper.

📺 Watch before you sign anything!

28/10/2025

Still co-owning a property with your ex?
Whether you're selling it, buying them out, or adjusting a court order — HMRC is watching.

In this important new guide, we cover:
✅ What “No Gain/No Loss” means in divorce settlements
✅ When Capital Gains Tax hits — and when it’s deferred
✅ Why Stamp Duty Land Tax (SDLT) may still apply
✅ The hidden legal, valuation & CGT costs most couples miss
✅ Critical timing tips that could save you thousands

Divorce may be over — but property tax isn’t.
Video goes live on 29 October
Read the full blog: Check the comment below.