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with Kristen Durose
Kristen Durose is the managing director of Red Star Wealth Management, a company of independent financial advisers based in Blackpool, Lancashire. You can see her company website here.
Buy-to-let tax changes under the guise of Section 24 or the Tenant Tax are making some forms of property investment much less profitable. Today Amy and Kristen look at what Section 24 is, when it is being introduced, and at what buy-to-let landlords need to know to survive it.
Buy-To-Let Tax Changes
Amy: One of the biggest things that I'm sure our viewers are be hoping I'll ask you about is the buy-to-let tax changes. Everything is changing at the moment and it's confusing and complicated.
Kristen: Of course.
Amy: Could you simplify things for us?
Kristen: I'll try my best but to be clear, I am not an accountant. I can talk through some of the details but, on this subject, investors really need to be engaging with accountants.
Amy: Absolutely.
Kristen: So, if you are a property investor or landlord, and you haven't got one already, then getting an accountant is strongly advised.
The Tenant Tax
Kristen: The changes to tax on buy to let that have come in have been, to an extent, controversial. And I know that there is a whole campaign dedicated to axing the tenant tax.
Amy: The tenant tax. So, not the landlord tax, but the tenant tax.
Kristen: Yes, people call Section 24 the tenant tax but this shouldn't be confused with the Daily Mirror story from last year regarding a different tenant tax. So, not that, but Section 24.
What Is Section 24?
Kristen: Section 24 means that landlords can now only claim basic rate tax relief on financing, which in most cases will mean a mortgage.
Before the changes, if you were a higher rate taxpayer, you could claim higher rate tax relief on mortgage interest payments. That has changed so that now you can only claim basic rate relief.
So, if previously, you were only claiming basic rate relief before, nothing has changed for you. But for most property investors who are in the higher rate tax bracket, there is now, effectively, a 20% reduction on what they can claim.
Changes In How Profits Are Caluculated
Kristen: At the same time that Section 24 was introduced there was also a change in how profits from investing in property need to be calculated.
So, previously, you could automatically claim a percentage of wear and tear. Things like maintenance and decoration could be classed as an ongoing expense.
Now, these costs have to be properly documented, meaning you can only claim for the work you have had done. This makes things a little bit more complicated.
The truth is that when you combine these factors together it's possibly not as efficient or profitable for people who own property, anymore.
Time Frames
Amy: Do you know what the time frames are and how this is being introduced? Is it gradual? Is it sledgehammer?
Kristen: It's not a sledgehammer. Section 24 is being phased in gradually.
So, currently, we have a situation where landlords can claim for 75% of their income from property or some of the interest they can claim for. 75% of that will be at the full rate and 25% will be at basic. But by 2021 you will only be able to claim the basic rates. So, in that regard, it's being phased in over a few years.
Putting It Together
Amy: Okay, Perfect. So, as you say, it's really important for property investors to speak with an accountant or financial advisor. And they need to act on the guidance they get because it's going to affect everybody differently.
Kristen: It is. And despite the campaign to get rid of it, I think this is going to be permanent. Property investment in the UK is a big earner for a lot of people and this is a way that the government can increase its revenue. It's coming in.
Amy: Easy pickings.
But, in our interviews with specialists, we're discovering that with every problem that arises there are always opportunities that come off the back of it. It's always about looking at the situation and working out exactly how you can work with it.
Beautifully simple creative portfolio websites. When your creative work is your life’s work, nothing is more important than having a beautiful portfolio website. With Portfolio—which comes free with any Adobe Creative Cloud plan—you can quickly and simply build a website to showcase your creative work, so you can get back to doing what you do best.
Head over to www.myportfolio.com to get started!
Elegant layouts
Choose from a selection of layouts optimized to showcase your creative work. Ideal for any creative field, from art, illustration, photography, graphic design, fashion, architecture, motion graphics to web design.
Flexible custom design
Our layouts are the foundation to build your own unique Portfolio. Pick one as a starting point, and then customize it to create a tailor-made website. Your work looks beautiful and polished in Portfolio, whether you choose an “off-the-shelf” layout, or prefer to customize.
Responsive design
Ensure that your work looks great across devices with a responsive layout optimized for all screen sizes. Preview your website on desktop, tablet, and mobile as you edit.
Painless customization
Our editor is designed to take the pain out of editing and creating your website. Focus on what you’re creating with a distraction-free editor, and see your creative vision come to life in just a few clicks.
Live editing
Watch your changes as you make them, using the simple editing
Custom domains and more
Enhance your personal website with a personalized URL, Google Analytics tracking, password-protected page, Adobe Fonts, and much more.
Seamlessly sync with your Behance projects
Behance is the world’s largest platform to showcase and discover creative work. Use Portfolio to create a beautiful custom website and use the Behance platform to network and get discovered. When you choose to sync your Portfolio projects with your Behance profile, millions of viewers can discover and interact with your work.
Adobe Portfolio is optimized for showcasing your creative work. Choose from a selection of layouts created with a portfolio in mind, designed to fit any creative field, from art, illustration, photography, graphic design, fashion, architecture, motion graphics, to web design, and more. With Portfolio, you can include unlimited galleries of your work, custom pages, and control every aspect of the design, content, and styling to bring your creative vision to life.
Portfolio is included in the Adobe Creative Cloud All Apps, Single App, and Photography plans. You can learn more about the Creative Cloud plans on creative.adobe.com/plans.
Let 24 Portfolio Meaning
Portfolio is included in the Adobe Creative Cloud All Apps, Single App, and Photography plans. You can learn more about the Creative Cloud plans on creative.adobe.com/plans.
Behance is the world’s largest platform to showcase and discover creative work. Use Portfolio to create a beautiful custom website and use the Behance platform to network and get discovered. When you choose to sync your Portfolio projects with your Behance profile, millions of viewers can discover and interact with your work.
Although using Portfolio & Behance with one another helps you get the most exposure for your work, you can use Portfolio on its own.
If you have a Behance account:
Let 24 Portfolio Definition
When you publish a project within Portfolio, it automatically syncs with your Behance Profile. At the point of publishing, you'll notice a check box to activate this option. The reverse is also true: when you're publishing a project from Behance, you can choose to sync it to your Portfolio account. Custom Pages do not sync, only Projects.
If you do not have a Behance account:
As soon as you begin publishing projects within Portfolio, a Behance account is made for you automatically. To access it, log in to Behance.net with the same Adobe ID you use for Portfolio, and you'll see your synced projects already in your Profile. If you do not want to display projects within a Behance profile, you can adjust the privacy settings or remove them.
Yes, you can upload work straight to Portfolio.
Let 24 Portfolio App
Get started adding Project and Custom Page content by clicking the '+' icon in the left column. Although project content syncs between Behance and Portfolio, this simply means that you only have to upload once, and you have access to this project content on both services. However, you can use Portfolio in isolation to add your content, so you never have to leave the experience to create your full site.
Let 24 Portfolio Log
Portfolio is a new tool that is only available through the Adobe Creative Cloud All Apps, Single App, and Photography plans. You can learn more about the Creative Cloud plans on creative.adobe.com/plans.