UK Property Tax Show by Simon Misiewicz

Simon Misiewicz UK Property Tax Specialist
  • 0.0 (0)
  • Investing

UK property tax is changing fast and most landlords, investors, and even advisers are getting it wrong. This podcast breaks down the real rules behind UK property taxation, cutting through outdated advice, social media myths, and risky strategies that could cost you thousands in tax, penalties, or HMRC enquiries. Hosted by Simon Misiewicz, a UK property tax specialist and founder of Optimise Accountants, each episode delivers clear, practical insights you can actually use, whether you own one buy-to-let or a complex property portfolio. What you’ll learn How to legally reduce tax on rental income and property profitsThe truth about limited companies, Section 24, and incorporation risksCapital Gains Tax strategies when selling propertyStamp Duty (SDLT) traps and how to avoid overpayingHMRC investigations — what triggers them and how to stay compliantReal case studies from UK landlords and investorsTax-efficient structures for long-term wealth and succession planning Who this is for UK landlords and property investorsProperty developers and portfolio buildersLetting agents, mortgage brokers, and IFAsAccountants and advisers working with property clients Why this podcast is different Most “property tax advice” online is either: OutdatedOver-simplifiedOr dangerously aggressive This podcast focuses on what actually works under current UK tax law, based on real client experience and HMRC practice — not theory. New episodes weekly Each episode is designed to be: Straight to the pointActionableBacked by real-world experience ⚠️ Important This podcast is for educational purposes only and does not constitute personalised tax advice. Always seek professional advice before implementing any strategy. 📩 Work with us  | UK Property Tax Options:  | 🌐 UK Property Tax Website: https://www.optimiseaccountants.co.uk/ | 📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call | 📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB | 🎧 Podcasts: https://www.buzzsprout.com/2607825 | 💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/ |  | A quick mention of our proud sponsor Calm Buddies: helping children, parents and families bring a little more comfort, calm and reassurance into everyday life. You can find out more about their products here: https://calmbuddiesofficial.myshopify.com/

Episodes

  1. Is HMRC Killing the UK Rental Market? Why Savvy Landlords Are Moving to the US!

    5d ago

    Is HMRC Killing the UK Rental Market? Why Savvy Landlords Are Moving to the US!

    Send us a message  Are you tired of paying more to your mortgage lender and HMRC than you actually take home? In this eye-opening episode, we expose the aggressive tax and legal onslaught currently crippling UK property investors and reveal why a massive wave of British landlords is shifting their capital across the Atlantic.  From the total elimination of the 10% wear and tear allowance to the aggressive rollback of mortgage interest relief, operating a profitable rental portfolio in the UK has become an absolute regulatory and financial nightmare. Combine those tax hikes with frustrating court delays and punishing legal changes regarding tenant evictions, and it is easy to see why UK property owners feel like they have completely lost control of their own investments. But there is a highly lucrative alternative waiting for you. We dive deep into the incredibly landlord-friendly tax landscape of the United States, specifically focusing on high-performing short-term holiday rental markets like Orlando, Florida.  You will discover how the IRS actively incentivizes real estate investors by allowing them to write off 100% of their mortgage interest costs against rental income. We also break down complex American wealth-building mechanisms that HMRC stripped away from British investors years ago, including standard property depreciation, advanced cost segregation reports for massive upfront tax relief, and the legendary 1031 exchange that lets you defer your capital gains tax indefinitely when upgrading properties. Crucially, we map out the vital structural strategies you must implement to avoid the dangerous worldwide taxation trap. Buying American real estate in your personal name as a UK tax resident can trigger a catastrophic tax bill back home, wiping out your hard-earned US advantages.  We explain exactly how utilizing a smart corporate tax shield can safely isolate your US property assets, allowing your rental income to accumulate and compound entirely tax-free while you scale your international portfolio. If you are ready to stop settling for crumbling UK returns and want to build a bulletproof, cross-border property legacy, this episode is your ultimate strategic blueprint   #PropertyInvesting, #USUKTax, #LandlordLife, #RealEstateInvesting, #TaxStrategy, #UKLandlords, #PropertyTax, #InternationalReal Estate, #ExpatInvesting, #WealthProtection  US-UK Cross Border Tax Options 🌐 US-UK Cross Border Taxes: https://internationaltaxesadvice.com/ 📅 Book a Call: https://optimiseaccountantsltd.as.me/International-tax 📄 US-UK Expats Tax Free eBook: https://survey.zohopublic.com/zs/fCDggd 🎧 Podcasts: https://www.buzzsprout.com/2607825 💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/   A quick mention of our proud sponsor Calm Buddies: helping children, parents and families bring a little more comfort, calm and reassurance into everyday life. You can find out more about their products here: https://calmbuddiesofficial.myshopify.com/

    9 min
  2. Buying Foreign Property in Your Own Name? STOP DOING THIS! 🛑

    Jun 1

    Buying Foreign Property in Your Own Name? STOP DOING THIS! 🛑

    Send us a message Never, never, never buy a US property in your own name. Why? Because the global tax and legal game is completely rigged against individual owners.  Whether it's the hyper-litigious nature of the US, the crushing weight of UK self-assessment brackets, or Spain's brutal beneficiary inheritance laws, owning global real estate personally is a ticking financial time bomb. In this hard-hitting episode, we look at the global piece of real estate investing. From analyzing LLCs vs. C-Corps to breaking down why the 6th of April tax crossover is costing you an absolute fortune, we give you the raw truth about international property structures. Stop chasing short-termism and start protecting your legacy. Listen now! 🎧🌍  | UK Property Tax Options:   | 🌐 UK Property Tax Website: https://www.optimiseaccountants.co.uk/  | 📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call  | 📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB  | 🎧 Podcasts: https://www.buzzsprout.com/2607825  | 💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/

    10 min
  3. HMRC Crackdown EXPOSED, Property Investors Facing Tax Disaster, Incorporation Relief Under Attack

    May 11

    HMRC Crackdown EXPOSED, Property Investors Facing Tax Disaster, Incorporation Relief Under Attack

    Send us a message Are UK landlords walking straight into a tax disaster without even realising it? In today’s episode, we uncover the growing HMRC crackdown on property incorporation and why thousands of landlords could soon face unexpected tax bills, penalties, and years of stress. If you’ve been told you can move your buy to let properties into a limited company and legally avoid capital gains tax and stamp duty, this episode will make you seriously question everything. We break down Section 162 incorporation relief and how it has been widely used by landlords to transfer property portfolios into limited companies, often using partnership structures to reduce or defer tax. On paper, the legislation exists, court cases support it, and many advisers are still promoting it as a powerful tax strategy. But here’s the problem. HMRC are now actively reviewing and challenging these arrangements. Investigations have been ongoing for years, fuelled by concerns that some incorporation strategies may cross the line into aggressive tax avoidance.  Right now, landlords are receiving letters, facing uncertainty, and being left in the dark while HMRC decide whether to:  recover capital gains tax  charge stamp duty land tax  apply penalties and interest  or even overturn previous incorporations entirely We also discuss why some advisers are STILL charging £20,000 to £50,000 to implement these strategies despite the ongoing investigation, and why this could leave you exposed. Most importantly, we explain what you should be doing right now. Should you proceed, pause, or avoid incorporation altogether? With a potential court decision expected as early as late 2026, the outcome could reshape the future of property tax planning in the UK. Even if landlords win, HMRC may rewrite the rules entirely. If you are a landlord, property investor, or considering incorporation, this is essential viewing before you make a costly mistake. Hashtags #UKPropertyTax, #LandlordsUK, #PropertyInvestors, #HMRC, #TaxPlanning, #BuyToLet, #IncorporationRelief, #StampDuty, #CapitalGainsTax, #PropertyBusiness Links 🌐 Website: https://www.optimiseaccountants.co.uk/ 📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call 📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB ▶️ YouTube Channel: https://www.youtube.com/@optimise-accountants 🎧 Apple Podcasts: https://podcastsconnect.apple.com/my-podcasts/show/uk-property-tax-by-simon-misiewicz-optimise-accountants/c62ef1a1-fcaa-4beb-8107-c671865cc71d 🎵 Spotify Podcasts: https://open.spotify.com/show/0LiWbYJI7pJIquPVaF4GeF?si=I3xXgUwgQJuG42Q14Fs0NQ 💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/

    11 min
  4. Landlords Are Being Crushed by Tax, The Deed of Trust Loophole HMRC Does Not Want You to Use

    May 4

    Landlords Are Being Crushed by Tax, The Deed of Trust Loophole HMRC Does Not Want You to Use

    Send us a message Most UK landlords have no idea how much tax they are truly paying until it is too late. In today’s episode, we expose the brutal reality behind Section 24 mortgage interest restrictions and how it is quietly destroying profits for property investors. Many landlords believe they are making money, but when you factor in rising interest rates and restricted tax relief, the truth is far more alarming. In some cases, effective tax rates can spiral to shocking levels, leaving landlords working for the banks and HMRC instead of themselves.  We break down exactly how this happens and why relying on outdated structures could be costing you thousands every single year. More importantly, we reveal a powerful but often misunderstood strategy that could dramatically reduce your tax burden, the deed of trust. This simple legal mechanism allows you to reassign rental income between spouses, potentially shifting income to a lower tax bracket and immediately improving your cash flow. However, there is a dangerous trap that many landlords fall into. If you own property jointly and fail to submit the correct HMRC Form 17 within strict deadlines, your entire strategy can collapse, wasting both time and money. We explain when you need this form, when you do not, and how to avoid costly mistakes that even solicitors often overlook. We also explore how a deed of trust can be used not just for income tax savings, but for reducing capital gains tax when selling property, maximising allowances, and adapting to changing life circumstances such as starting a family, changing careers, or restructuring your income streams. If you are a landlord, property investor, or thinking about building a portfolio, this episode could fundamentally change how you approach tax planning. The difference between getting this right and getting it wrong could be the difference between building wealth or losing it. Hashtags #UKLandlords, #PropertyTax, #Section24, #DeedOfTrust, #TaxPlanning, #HMRC, #BuyToLet, #PropertyInvesting, #CapitalGainsTax, #WealthBuilding Links 🌐 Website: https://www.optimiseaccountants.co.uk/ 📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call 📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB ▶️ YouTube Channel: https://www.youtube.com/@optimise-accountants 🎧 Apple Podcasts: https://podcastsconnect.apple.com/my-podcasts/show/uk-property-tax-by-simon-misiewicz-optimise-accountants/c62ef1a1-fcaa-4beb-8107-c671865cc71d 🎵 Spotify Podcasts: https://open.spotify.com/show/0LiWbYJI7pJIquPVaF4GeF?si=I3xXgUwgQJuG42Q14Fs0NQ 💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/

    9 min
  5. The Property Tax Mistake That’s Costing Landlords a Fortune

    Apr 27

    The Property Tax Mistake That’s Costing Landlords a Fortune

    Send us a message In today’s episode, we tackle one of the most dangerous and misunderstood questions in UK property investing: should you buy buy-to-let properties in your own name or through a limited company? It sounds simple — but the wrong decision could cost you thousands in unnecessary tax, higher mortgage costs, and ongoing accountancy fees. We break down the real impact of Section 24 mortgage interest relief changes and explain why this single rule has pushed thousands of landlords towards limited companies — often without fully understanding the consequences. You’ll hear how landlords in their personal names can no longer deduct mortgage interest in the same way, and why this can lead to shockingly high effective tax rates . But limited companies are not the silver bullet many believe them to be. In this episode, we also explore the hidden downsides: double taxation when extracting profits, increased compliance and accountancy costs, and higher mortgage interest rates compared to personal ownership. We discuss why these factors can significantly impact your cash flow — even if the tax position looks better on paper. We then shift to the opportunities. You’ll learn how limited companies can offer powerful advantages, including full mortgage interest relief, pension contributions, expense deductions, and long-term planning benefits such as passing wealth to family members. However, we also explain the risks of overcomplicating structures with family investment companies and alphabet shares — especially when lenders are involved. Most importantly, this episode highlights why your long-term goals matter more than your current situation. A strategy that works for a high-rate taxpayer today may be completely wrong if your income changes in the future. This is not generic advice. It’s based on real-world scenarios, real client conversations, and practical tax insights. If you’re a landlord or property investor, this episode could save you from making a costly mistake. Hashtags #PropertyInvesting, #BuyToLet, #LandlordLife, #UKProperty, #PropertyTax, #LimitedCompany, #TaxPlanning, #RealEstateUK, #InvestmentStrategy, #WealthBuilding 🌐 Website: https://www.optimiseaccountants.co.uk/ 📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call 📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB ▶️ YouTube Channel: https://www.youtube.com/@optimise-accountants 🎧 Apple Podcasts: https://podcastsconnect.apple.com/my-podcasts/show/uk-property-tax-by-simon-misiewicz-optimise-accountants/c62ef1a1-fcaa-4beb-8107-c671865cc71d 🎵 Spotify Podcasts: https://open.spotify.com/show/0LiWbYJI7pJIquPVaF4GeF?si=I3xXgUwgQJuG42Q14Fs0NQ 💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/

    18 min
  6. This ONE Property Tax Lie Is Costing Landlords Thousands (Don’t Fall For It)

    Apr 20

    This ONE Property Tax Lie Is Costing Landlords Thousands (Don’t Fall For It)

    Send us a message “If you don’t do this structure… you’re missing out.” Sound familiar? Right now, UK landlords are being flooded with generic tax advice pushing holding companies, SPVs, and complex structures as the only way to succeed. But what if that advice is wrong for you? In this episode, I expose the truth behind the most overhyped property tax strategy being promoted online — and how it could quietly cost you thousands in higher mortgage rates, fewer lender options, and unnecessary complexity. Based on real experience working with thousands of landlords, you’ll learn why blindly following YouTube, TikTok, and “tax influencers” could be one of the biggest financial mistakes you make. Inside this episode:  The real problem with holding company structures  Why lenders quietly reject these setups  How FOMO is being used to sell tax strategies  The hidden costs no one talks about  Smarter, simpler alternatives most landlords overlook This is not generic advice. This is what actually works in the real world. Before you restructure your entire portfolio… listen to this.

    12 min
  • 6 Episodes

About

UK property tax is changing fast and most landlords, investors, and even advisers are getting it wrong. This podcast breaks down the real rules behind UK property taxation, cutting through outdated advice, social media myths, and risky strategies that could cost you thousands in tax, penalties, or HMRC enquiries. Hosted by Simon Misiewicz, a UK property tax specialist and founder of Optimise Accountants, each episode delivers clear, practical insights you can actually use, whether you own one buy-to-let or a complex property portfolio. What you’ll learn How to legally reduce tax on rental income and property profitsThe truth about limited companies, Section 24, and incorporation risksCapital Gains Tax strategies when selling propertyStamp Duty (SDLT) traps and how to avoid overpayingHMRC investigations — what triggers them and how to stay compliantReal case studies from UK landlords and investorsTax-efficient structures for long-term wealth and succession planning Who this is for UK landlords and property investorsProperty developers and portfolio buildersLetting agents, mortgage brokers, and IFAsAccountants and advisers working with property clients Why this podcast is different Most “property tax advice” online is either: OutdatedOver-simplifiedOr dangerously aggressive This podcast focuses on what actually works under current UK tax law, based on real client experience and HMRC practice — not theory. New episodes weekly Each episode is designed to be: Straight to the pointActionableBacked by real-world experience ⚠️ Important This podcast is for educational purposes only and does not constitute personalised tax advice. Always seek professional advice before implementing any strategy. 📩 Work with us  | UK Property Tax Options:  | 🌐 UK Property Tax Website: https://www.optimiseaccountants.co.uk/ | 📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call | 📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB | 🎧 Podcasts: https://www.buzzsprout.com/2607825 | 💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/ |  | A quick mention of our proud sponsor Calm Buddies: helping children, parents and families bring a little more comfort, calm and reassurance into everyday life. You can find out more about their products here: https://calmbuddiesofficial.myshopify.com/

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