Personal or company ownership?
Deciding whether to own a UK rental property personally or through a company is a major question for investors and owners. The UK tax system can feel complicated. Our calculator helps you understand income tax, capital gains tax, stamp duty and returns over the years.
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| Item | Personal | Company | Diff |
|---|---|---|---|
| Gross Rent | £50,000 | £50,000 | - |
| Running Costs | (£20,000) | (£20,000) | - |
| Mortgage Interest | Not deductible | (£25,000) | - |
| Taxable Profit | £30,000 | £5,000 | - |
| Tax (20% / 25%) | (£1,000) | (£1,250) | - |
| After-Tax Profit | £29,000 | £3,750 | - |
| Mortgage Payment | (£25,000) | Already deducted | - |
| NET CASHFLOW | £4,000 | £3,750 | +£250 |
| Item | Personal | Company | Diff |
|---|---|---|---|
| Gross Rent | £65,239 | £65,239 | - |
| Running Costs | (£26,095) | (£26,095) | - |
| Mortgage Interest | Not deductible | (£25,000) | - |
| Taxable Profit | £39,143 | £14,143 | - |
| Tax (20% / 25%) | (£2,829) | (£3,536) | - |
| After-Tax Profit | £36,315 | £10,607 | - |
| Mortgage Payment | (£25,000) | Already deducted | - |
| NET CASHFLOW | £11,315 | £10,607 | +£707 |
This calculator is based on 2024/25 tax rates for income, stamp duty (SDLT), and corporate tax. Tax rates are subject to change in the UK, particularly on UK property. Always seek professional advice and double check your personal situation before making a decision. This is for information purposes only.
ATED is an annual tax on enveloped dwellings applying to companies that hold residential property with a value of at least £500,000. The charge is intended to discourage persons from “enveloping” their homes into companies with a view to reducing the transfer tax charge on a subsequent disposal of that property via a sale of the company. The charge applies equally to UK and non-UK companies. The reason is that if the PropCo is a UK incorporated company, then stamp duty on shares at a flat rate of 0.5% would instead be payable on the purchase price. This compares favourably to the 5% top rates of SDLT for commercial/mixed-use properties, and even more so for the top 19% rate for wholly residential properties.
This calculator is based on 2024/25 tax rates for income, stamp duty (SDLT), and corporate tax. Tax rates are subject to change in the UK, particularly on UK property. Always seek professional advice and double check your personal situation before making a decision. This is for information purposes only.
ATED is an annual tax on enveloped dwellings applying to companies that hold residential property with a value of at least £500,000. The charge is intended to discourage persons from “enveloping” their homes into companies with a view to reducing the transfer tax charge on a subsequent disposal of that property via a sale of the company. The charge applies equally to UK and non-UK companies. The reason is that if the PropCo is a UK incorporated company, then stamp duty on shares at a flat rate of 0.5% would instead be payable on the purchase price. This compares favourably to the 5% top rates of SDLT for commercial/mixed-use properties, and even more so for the top 19% rate for wholly residential properties.
But there is another way.
Property rentals (buy-to-let) are not what they used to be. At Deallocker we offer international High Net Worth investors a way to participate in the UK´s world class property market, through investment in value-add projects with a clear exit, no operational involvement and shorter timeframe.
But there is another way.
Property rentals (buy-to-let) are not what they used to be. At Deallocker we offer international High Net Worth investors a way to participate in the UK´s world class property market, through investment in value-add projects with a clear exit, no operational involvement and shorter timeframe.
But there is another way.
Property rentals (buy-to-let) are not what they used to be. At Deallocker we offer international High Net Worth investors a way to participate in the UK´s world class property market, through investment in value-add projects with a clear exit, no operational involvement and shorter timeframe.
But there is another way.
Property rentals (buy-to-let) are not what they used to be. At Deallocker we offer international High Net Worth investors a way to participate in the UK´s world class property market, through investment in value-add projects with a clear exit, no operational involvement and shorter timeframe.
Copyright © 2025 All Rights Reserved by Deallocker Limited
Deallocker Limited (15631661)
Dealocker is a marketplace platform and Deallocker Limited is software company only. Our product and services are designed to be used by experienced property finance professionals to source and invest in real estate investment opportunities. Deallocker Limited is not an agent, originator, asset manager or advisor. The platform is not an invitation to buy or invest in any of the deals shown. Listings are published by developers and brokers ("deal providers") and we bear no responsibility for the content of the deal listings, nor have we have taken any steps to verify the accuracy of the deal information presented by deal providers. Investors must do their own due diligence and seek professional advice where necessary.
Past performance and forecasts are not reliable indicators of future results and should not be relied on. Forecasts are based on Deallocker's own internal calculations using information provided in the listing and opinions and may change. Investments are illiquid. Once invested, you are committed for the full term. Tax treatment depends on individual circumstances and may change. You are advised to obtain appropriate tax or investment advice where necessary. Deallocker assumes no responsibility or liability for any errors or omissions in the content of this platform. The information contained in this site is provided on an "as is" basis with no guarantees of completeness, accuracy, usefulness or timeliness.
Deallocker is a trading name of Deallocker Limited. Registered in England and Wales with registration number: 15631661 and whose registered office is at 128 City Road, London, United Kingdom, EC1V 2NX. Deallocker Limited is not authorised by the Financial Conduct Authority. Investments are not regulated and you will have no access to the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS).
Copyright © 2025 All Rights Reserved by Deallocker Limited
Deallocker Limited (15631661)
Dealocker is a marketplace platform and Deallocker Limited is software company only. Our product and services are designed to be used by experienced property finance professionals to source and invest in real estate investment opportunities. Deallocker Limited is not an agent, originator, asset manager or advisor. The platform is not an invitation to buy or invest in any of the deals shown. Listings are published by developers and brokers ("deal providers") and we bear no responsibility for the content of the deal listings, nor have we have taken any steps to verify the accuracy of the deal information presented by deal providers. Investors must do their own due diligence and seek professional advice where necessary.
Past performance and forecasts are not reliable indicators of future results and should not be relied on. Forecasts are based on Deallocker's own internal calculations using information provided in the listing and opinions and may change. Investments are illiquid. Once invested, you are committed for the full term. Tax treatment depends on individual circumstances and may change. You are advised to obtain appropriate tax or investment advice where necessary. Deallocker assumes no responsibility or liability for any errors or omissions in the content of this platform. The information contained in this site is provided on an "as is" basis with no guarantees of completeness, accuracy, usefulness or timeliness.
Deallocker is a trading name of Deallocker Limited. Registered in England and Wales with registration number: 15631661 and whose registered office is at 128 City Road, London, United Kingdom, EC1V 2NX. Deallocker Limited is not authorised by the Financial Conduct Authority. Investments are not regulated and you will have no access to the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS).
Copyright © 2025 All Rights Reserved by Deallocker Limited
Deallocker Limited (15631661)
Dealocker is a marketplace platform and Deallocker Limited is software company only. Our product and services are designed to be used by experienced property finance professionals to source and invest in real estate investment opportunities. Deallocker Limited is not an agent, originator, asset manager or advisor. The platform is not an invitation to buy or invest in any of the deals shown. Listings are published by developers and brokers ("deal providers") and we bear no responsibility for the content of the deal listings, nor have we have taken any steps to verify the accuracy of the deal information presented by deal providers. Investors must do their own due diligence and seek professional advice where necessary.
Past performance and forecasts are not reliable indicators of future results and should not be relied on. Forecasts are based on Deallocker's own internal calculations using information provided in the listing and opinions and may change. Investments are illiquid. Once invested, you are committed for the full term. Tax treatment depends on individual circumstances and may change. You are advised to obtain appropriate tax or investment advice where necessary. Deallocker assumes no responsibility or liability for any errors or omissions in the content of this platform. The information contained in this site is provided on an "as is" basis with no guarantees of completeness, accuracy, usefulness or timeliness.
Deallocker is a trading name of Deallocker Limited. Registered in England and Wales with registration number: 15631661 and whose registered office is at 128 City Road, London, United Kingdom, EC1V 2NX. Deallocker Limited is not authorised by the Financial Conduct Authority. Investments are not regulated and you will have no access to the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS).
Copyright © 2025 All Rights Reserved by Deallocker Limited
Deallocker Limited (15631661)
Dealocker is a marketplace platform and Deallocker Limited is software company only. Our product and services are designed to be used by experienced property finance professionals to source and invest in real estate investment opportunities. Deallocker Limited is not an agent, originator, asset manager or advisor. The platform is not an invitation to buy or invest in any of the deals shown. Listings are published by developers and brokers ("deal providers") and we bear no responsibility for the content of the deal listings, nor have we have taken any steps to verify the accuracy of the deal information presented by deal providers. Investors must do their own due diligence and seek professional advice where necessary.
Past performance and forecasts are not reliable indicators of future results and should not be relied on. Forecasts are based on Deallocker's own internal calculations using information provided in the listing and opinions and may change. Investments are illiquid. Once invested, you are committed for the full term. Tax treatment depends on individual circumstances and may change. You are advised to obtain appropriate tax or investment advice where necessary. Deallocker assumes no responsibility or liability for any errors or omissions in the content of this platform. The information contained in this site is provided on an "as is" basis with no guarantees of completeness, accuracy, usefulness or timeliness.
Deallocker is a trading name of Deallocker Limited. Registered in England and Wales with registration number: 15631661 and whose registered office is at 128 City Road, London, United Kingdom, EC1V 2NX. Deallocker Limited is not authorised by the Financial Conduct Authority. Investments are not regulated and you will have no access to the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS).