Limited Company Property Investing Q&A. SPVs, Tax, Profits, Dividends, Buy-To-Let.

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[@christopherorr4039]

Great video. The concept of taking £2k dividend every year and then lending that to the company - stroke of genius.

[@JustinWilkins]

Haha I loved that tip too!! Cheers for watching Christopher 👊

[@blisz2718]

@@JustinWilkins Is it not the case that technically you are 'taxed' in the way that that figure does not take into account inflation? Would you not actually be losing inflation every year? Or does the loan gain interest inline with inflation? Because long term it would make a big difference right?

[@1CssTeam]

@@blisz2718 how is it genious? 20K was the investment. 2k divident- is tax free per year. So total 22K. You loan the 2k to the company and again the amount you can get tax free is 22k.

[@propertyhero5895]

The man, the myth, the legend - Peter

[@JustinWilkins]

Haha great to have him back in the channel

[@Brad.Atv.]

He would make a great next door neighbour

[@alexanderbogander2671]

He looks like Mark knopfler

[@tomlines2010]

Peter is a great partner. I look for partnerships with any service I bring on and he spends time, explains and listens. On top of that...he really knows his stuff

[@JustinWilkins]

100% I completely agree, he takes his time to explain and give knowledge to others - which I have a lot of respect for. Thanks Tom!

[@Patchpartners]

Love these videos with your accountant! Another good way to take money out is to charge interest on your directors loan, it’s a tax deductible expense for the company and we also have an interest allowance personally 🙏

[@JustinWilkins]

Thanks Rachel, great tip there and thanks for watching!

[@husnainshah443]

Woahhh no way that's incredible!

[@Alan-ei6yx]

There is a tax free allowance for interest earned (£1000 for standard rate tax payers / £500 for higher rate tax payers), after this the interest is added to your income and tax paid at your normal income tax rate ( 20% / 40%).

[@ifuss]

The 20 mins for me just flew by watching this video. Packed full of good information. I actually wanted to ask some of those questions. The Gov website (even though it has this information) some times, it can be a bit overwhelming. Thank you Peter for explaining & breaking down the complicated accounting jargon for the "average Joe". In my opinion these videos work because Justin's fairly new to property investing and thus, he's asking questions from that perspective. And that helps people who want to take their first steps into property investing. Love the deut - it works really well. Thanks again guys.

[@JustinWilkins]

Have to take my hat off to this comment, really appreciate you watching and giving such great feedback. Makes these videos worth while so thanks! The combo of newbie and expert lives on haha

[@thebestnewindie]

One of the best explained video on SPVs I have seen. I finally understand it!!

[@JustinWilkins]

Great feedback! Glad it was useful

[@sunshinesky7878]

It is one of the most useful and fruitful contents I have seen. Thank you so much Justin and Peter!

[@JustinWilkins]

Thanks for watching - really pleased it was useful!

[@husnainshah443]

Yes man I love these videos! Thank you so much for all you do!

[@JustinWilkins]

Pleasure! Thank you for watching and supporting.

[@ruudvandebeeten]

Thank you Peter for explaining the subjects so clear!

[@JustinWilkins]

Pleasure! Thank you for watching.

[@MrSAIVIBO]

This is perfect timing! I have been looking for the proper answer regarding repayment of directors loans all day! Great content as always Justin and thanks to Peter for sharing the knowledge 🙏

[@JustinWilkins]

Haha that is good timing! Pleased to hear it and thanks for watching Sam 👊

[@kelstajames7319]

Fantastic questions and brilliant easy to understand answers from Peter. Thank you for a great video Justin. I hope your BTL business is doing well.

[@JustinWilkins]

Peter is great at explaining the answers! Pleased to hear it was useful and thanks for watching :)

[@saltukyasaroglu7368]

the best video for that topic on YT. Congrats and thanks to both of you. I will definitely get in touch with Peter and I also hope to meet you some day in Liverpool, Justin. I have started to invest in the UK with a mixed use property. I try to earn money from my coming wine bar to invest in properties in the northwest UK :)

[@jordanmcallister4847]

Great video Justin very informative, I never comment on KZbin videos but this one deserves it.

[@JustinWilkins]

Thanks Jordan! Means a lot to hear that, I feel honoured. Thanks for watching 👊

[@jellymouth]

Probably the best video I've seen on buy to lets on youtube.. really good stuff.

[@JustinWilkins]

Awesome feedback 🔥 thanks!

[@seandyson8658]

Excellent video, really useful insights offered by Peter and yourself there Justin.

[@JustinWilkins]

Great to hear it! Please it was useful, and thanks for watching

[@bassiboy4life]

Going hunting for an accountant tomorrow. Couldn't have found this video at a better time as this is what I need, someone like Peter that takes the time to explain every little detail to you. Thanks once again Justin, great content as usual my man!

[@JustinWilkins]

Great work, and thanks for watching this video. I’m pleased it was useful, be sure to contact Peter if you haven’t already 😃👊

[@vincentrenz58]

Fair play Justin and Peter great info filled video

[@JustinWilkins]

Thank you, and thanks for watching!

[@lilyobrien45]

I’m training to be a chartered accountant and the advice being offered is top quality. Great video and good to see an accountant be able to get in on the content too! I’m looking to invest in property in the near future and taking on all the tips. Thanks so much for sharing!

[@JustinWilkins]

Thanks Lily! Yes his advice is great quality 🙂 Great to hear you enjoyed it and that you’re training to be an accountant aswell. Good luck and reach out in the future if you want help with your own property investing! Thanks for watching

[@joline2730]

Great Q+A Justin, with very useful and interesting info.

[@JustinWilkins]

Thanks Jo! Much appreciated

[@jovinMendes]

what a great video - packed with a lot of information

[@JustinWilkins]

Yes! So pleased to hear that, thanks and glad it was useful

[@barryroberts9302]

Hi Justin - wow what a video in simple terms. This is just what I've been trying to sort out and get correct facts. Peter certainly sounds clued up on the property game for landlords and i will be emailing him next for assistance on moving my business forward. If you can offer any further advise its always going to be appreciated as I'm sure all your viewers agree.

[@FreeyourFinance]

I really enjoyed the first video of this mini-series so nice to see Peter back on your channel. Great video gents, very helpful.

[@JustinWilkins]

Thanks Gary! Always good to have Peter back on the channel - he’s building up a fan following on here these days 😂

[@FreeyourFinance]

@@JustinWilkins Haha, he's stealing all your fans pal.

[@joline2730]

@@FreeyourFinance yep!! Just what I was gonna say !! 😆

[@FreeyourFinance]

@@joline2730 great minds, Jo 😉

[@homeprojectsuk7726]

Thanks. Great interview and useful explanations.

[@JustinWilkins]

Thanks for watching! Great to hear 😃

[@irishwealth6346]

Fantastic content as always Justin, Peter is a very knowledgeable bloke 👌

[@JustinWilkins]

Thank you! Peter is great haha, and he genuinely loves talking accounting and tax which always helps!

[@kokofungames]

Such a great value in one video ... AMAZING

[@JustinWilkins]

Legend, thanks for watching !!

[@saifyousif53]

Really good stuff. Thanks to both of you

[@JustinWilkins]

Cheers Saif, glad you liked it!

[@jamesbailey3913]

Will be calling Peter very shortly thanks for the info Justin 👌🏻

[@JustinWilkins]

Amazing news! Peter and the team are great to work with

[@marginalgains8477]

Great video, thanks for the information!!

[@JustinWilkins]

Thanks for watching!

[@Holdeenio]

Very useful video as always Justin 👍

[@JustinWilkins]

Cheers Samuel, glad it was useful!

[@steveyung6928]

Great video and great advice on tax planning for ltd company! 👍👍👍

[@JustinWilkins]

Great to hear you liked it Steve, thanks for watching!

[@marketbeans]

Great video...thank you so much 🙏

[@JustinWilkins]

Thank you! appreciate your support

[@bouwah85]

thank you, look for to more with Peter and yourself 👍

[@JustinWilkins]

Thanks for watching 👊

[@Paulsmithwarriorproperites]

Great info, thank you 😊

[@JustinWilkins]

Pleasure, thanks for watching!

[@MalluBrightonia]

Super,, expecting more like this for the new Comer's.

[@JustinWilkins]

Thanks!! 😀

[@prab4437]

Nice video and good information. 👍this Advice is priceless: Withdrawal of £2000 dividends tax free annually and pay back as a loan to company so you can withdraw this amount in future tax free. 👌🏻 Keep up the good work 👍

[@JustinWilkins]

Such a little gem that! 💎 thanks for watching!

[@kav1187]

Excuse my ignorance but if it's tax free already then why put it back in so you could take it out tax free in the future? Other than to give the company more to play with...

[@robintindale]

@@kav1187 I think it's assuming you don't need it at the time, so you're creating the option to take it out again (tax-free) in the future when your circumstances change

[@Brad.Atv.]

I have a notebook now to write down all the tips & info from your videos Justin. Once I'm ready I'll be putting the plan to action 😅 Keep them coming!

[@JustinWilkins]

Great idea Brad! 😀 make notes and put them into action, what a great idea. What area you thinking of investing in?

[@Brad.Atv.]

@@JustinWilkins so I first need to buy a house in my name... I'm in Essex near Southend so hopefully here as my mates are in the trade too so they can help me fix up a run down place. Fingers crossed Then a Ltd company for buy to rents possibly in Yorkshire as I can get there in 3 hours. I like the idea of Liverpool but not the idea of going there several times

[@123sumom]

Wow amazing raw content

[@JustinWilkins]

Thanks Jen! 😃🙏

[@tahir2061]

Great video, would be good to ask about ABC shares structure in a limited company !

[@gordongilmour]

Great info Justin. Would be good to get further detail on the mechanics of how a BTL is purchased within a LTD co. (i.e. loan to the company, process of finding LTD lenders, things to look out for, like the SIC code preference of lenders).

[@JustinWilkins]

Thanks for watching Stewart and great ideas. I will look to cover some of those in further detail in the near future

[@jamesgrant3812]

@@JustinWilkins so what if I want to use rental income to pay my mortgage each month and car payment ?

[@callumtyler686]

@@jamesgrant3812 you'd have to pay yourself a wage from your limited company

[@ionutmititelu2083]

@@callumtyler686 and what if i am still working as a self employed so i get a wage from another company of mine , how you manage 2 payroll, ?? 2 accoutants??

[@sunshinesky7878]

The contents are brilliant and informative, Justin you are like a breath of fresh air bringing people joy while learning. Lots of the course rob people thousands of pounds but no real substance. Thank you! I do have a question about setting up a limited company. Can you add SICC code ( which is for buying to let ) to your existing trading company or do you have to set up a brand new company only for buying to let? As Peter said HMRC doesn’t like you mix the trading company to SPV. Your answer will be appreciated. Thank you and keep up the good work!

[@Alan-ei6yx]

An alternative way of paying yourself is investing in a pension. This is from pre-tax profits, and government also gives an uplift of the investment... The downside is the money is tide up until you reach retirement (unless you choose to use your pension for investment in Commercial property).

[@jimboyuk1]

One point to bear in mind is the increased Corporation tax burden from 2024 as a result of yesterdays budget, rising from 19% to 25% on a taper basis. Will only affect companies with more than 50K profit a year. But one thing to bear in mind is that if you are a controller shareholder of more than one company, that 50k limit applies across all your companies.

[@JustinWilkins]

Yes great point Jim, sadly this video was recorded and uploaded just before haha. But worth keeping the increase in mind, and as you mentioned its only chargeable on companies over £50k profit a year and tapers up to companies making £250k profit per year :)

[@tadesakin4939]

👍🏽 very informative...

[@JustinWilkins]

Thanks! Glad it was helpful!

[@Raj-doot-online]

Excellent channel 👏 👍 👌

[@JustinWilkins]

Thanks!! 🔥🔥

[@sammy_sam_leonardo]

Would love to hear a LLP vs LTD discussion- pros & cons for property investment

[@UltraJamZHD]

19:45 well that aged well LOL!!! 25% on corp tax if profits is 50k+ starting 2023 LOL!

[@JustinWilkins]

Haha 😂 sadly this video has been outdated very quickly ... but there is an incredibly large amount of investors earning under £50k profit per annum - so it doesn’t effect them LOL

[@JasonChesters]

Good video Justin... yeh the sic code is really important, I made the mistake of putting 2 sic codes on my property LTD company and then had to pay to remove one because the mortgage lenders would not accept one of them. I definitely think a ltd company is worth it if you plan on building a portfolio. I haven’t done a video about it yet but I’m sure I will... 😆

[@JustinWilkins]

Cheers Jason! Completely agree re Ltd co setup, and think everyone should at least consider it! Thanks for watching as always 👊 got any new properties on the horizon?

[@JasonChesters]

@@JustinWilkins I’m looking, but the properties I go for in my area are 15% higher than they were a few months ago so I’m hoping for a dip when the stamp duty holiday ends! I’m eager to get another though so I’ll keep searching!

[@jimboyuk1]

@@JasonChesters I've been holding out for a dip too but given yesterdays budget I doubt that will happen now. With 95% firstime buyer mortgages, extensions to SDLT and the government expecting the economy to recover much faster that originally expected I don't think we are going to be seeing much of a drop.

[@elusivemonk9254]

Hi Justin! Great video, I have two questions I hope you can help with. Firstly as the limited company share holder, if you die and your assets are within the Company, do you dodge inheritance tax? Secondly if you live in a flat and rent out two rooms to lodgers, do you recommend using a limited company for the lodgers rent?

[@Kedislol]

From research I think there's one more way to take money out and in a particularly tax efficient way - pension contributions. You would be able to get corporation tax relief as an allowable expense too, so it's entirely tax free until you withdraw from your pension

[@JustinWilkins]

Great suggestion and something I will look into further now you’ve mentioned it, thank you 🙂🙏

[@Puffintrading]

Thanks for the video. Quick question: does ATED apply to properties over 500k held in a company if they are BTL properties/HMOs? I’m not sure what constitutes a ‘commercial’ rent exemption

[@moecomments]

What a great and informative video! I have a question... Could you also employ a second person say as a 'admin assistant' through the business and pay them a wage also? Or can you only take a director salary ?

[@JustinWilkins]

Hi Moe, great question and one that I will ask Peter next time I speak with him. I would quite like to know the definitive answer on that too, but I do imagine this is possible. A property company run through a ltd company has more or less the same rules as a normal business. So I would imagine employing someone is more than possible in this scenario. Thanks for watching

[@ChrisHall117]

Great video Justin! Also just giving you the heads up I bought one of your Merch from your Website today :) #LongGam£

[@JustinWilkins]

Cheers Chris! Appreciate your support man 🙏👊 #longgame

[@ChrisHall117]

@@JustinWilkins No problem man 🙏🏻💪🏻

[@nickk8045]

I was told the other day that if i had a spv and i was taking money out as a director loan , that i would be paying tax on this money

[@JustinWilkins]

Incorrect, if you had initially put that money into the company as a directors loan :)

[@jamie110896]

Hi, great video! Could I just get someone to clarify though. The 4th way of taking money out the company. Have I understood the following correctly? Say for example you initially loan £300k to the ltd company so that you buy a property worth 300k. And say the company makes 10k a year in rent from that one property. Am I correct that you are saying that you are entitled to take 10k out of the company every year for 30 years - completely tax free until your loan has been repaid? It sounds too good to be true so I feel like I must have misunderstood. Thanks

[@sam-ir8ci]

Hello Justin, thank you so much for your videos. Just a quick question for Peter or yourself. Can you charge interest on the director loan? Since you are lending money to the company, which is a different entity. Interest rates are low, another way of getting money out of the company 😅

[@JustinWilkins]

Hi Sam, great question and I believe it might be possible... although I better leave that one for Peter. I will ask him and see if he can come on here to reply. If not, I'm sure he would happily speak with you about this if you give him a ring :) Definitely something to explore as a way of efficiently getting money back out the company. Thanks for watching!

[@umarkhan1027]

Hi Jamie, I have bought the property through limited company (buy to let). Circumstance change . Now I want to live that property. How I can change to my personal name. Please advise.....

[@apezzero]

Could you buy properties through a limited company and leave in one of the property? Are there any advantages or disadvantage? Does it make sense for the first time buyer who is in a professional job?

[@victoriaw6918]

Brilliant video! Where can we find Peter? Can you change a shareholder? Or add shareholders later on?

[@JustinWilkins]

Thanks for watching! Glad you liked it. Links for Peter are all in the description, and his website is peterjarman.com :) I am fairly sure you can change shareholders, or add them at a later date aswell :)

[@SatyanarayanaMaddi]

Super video. Is it sensible to release equity from a residential repayment mortgage and buy two more properties when your residential mortgage costs £300 more.

[@JustinWilkins]

Great question, although difficult to ask without knowing more of your info and circumstances - I would say that if the 2 properties exceed that £300 per month in profit, then it is probably worthwhile! :)

[@iftihussain8788]

Hi Justin, another great video 👌🏽 what’s the best way to reach out to you for some advice in property BTLs?

[@JustinWilkins]

Thanks man! Appreciate you watching :) Feel free to get in touch! links in the video description or visit justinwilkins.co.uk

[@interestingvideos4728]

What about pension?

[@LiamR90]

He said Dividends can only be paid if the company has made a profit and has paid all it's liabilities. I'm guessing this doesn't include Directors Loans? For example if the Company has a massive debt to you can you still take a Dividend?

[@financialfreedom3880]

Fantastic video! Also, am I right in thinking that 19% is due to increase to 25% by 2023?

[@JustinWilkins]

Thanks! And correct 👍🏻😃

[@financialfreedom3880]

@@JustinWilkins thank you for taking the time to reply to me Justin! I have a question about setting up a Ltd company for buying property, how does the mortgage lender work out the agreement in principle for a newly formed company with no previous trade as it's a SPV specifically set up to purchase properties?

[@richardskinner8395]

Hi Justin, great video along with the initial one with your accountant. I have a very basic question that I guess you can answer as you are 1+ year down the line. In year 1, on the P&L, does the house purchase appear as a payment out. i.e in year 1 do you post a loss of 15k ( taking into account say 2.5k operating profit, then in year 2 the P&l would have the balance of a 12.5 loss reducing year on year so you dont pay any corp tax. or is the house purchase not nettable i.e year 1 you might have operating profit of 2.5k and liable for corp tax ? a daft question but I guess that makes a difference to my targets and plan to build a portfolio etc. thanks

[@JustinWilkins]

Hi Richard, if I think I’ve understood your question correctly … then this will hopefully help. So you still pay profits on your earned income. The money used to purchase the property is marked against the company as an asset, and the deposit money marked as a directors loan - this won’t help you in the short term, but this is a big tax benefit that you can add too in the long term. Meaning in the short term that you continue to pay tax on your profits (rent-expenses=profit). I’m not a financial advisor or accountant, so please definitely seek advice from a professional 😃👊

[@richardskinner8395]

@@JustinWilkins cheers Justin it does. I'll definetely talk it through with my accountant when I appoint one but your answer does clear up my concern. Ta mate

[@The_Unintelligent_Speculator]

Sic

[@JustinWilkins]

Thanks! 🙏

[@paulh1529]

🙋🏼‍♂️ One quick question regarding the directors loan. Is that paid after corporation tax has been paid? Or can it be deducted before? Are loan repayments an allowable expense?

[@jimboyuk1]

See my answer above. Repayment of loans.has nothing to do with company profits. Loan repayments are not cost items. Loan interest however would be. You can be a loss.making ltd company and still pay back loan if you are able.to cashflow it ...for example by taking on another loan....say....a remortgage.

[@JustinWilkins]

Hi Paul, good question. My understanding is that it can be paid back after corporation tax has been paid. So you are paying yourself back using the profits. Re the second part I'm not sure, and to be safe its definitely best to check with your accountant (or Peter of course!). Thanks for watching

[@gamewidben]

He didn't say if there were any tax implications on doing it the expense way

[@leewilliams2284]

How soon can you buy a BTL after starting a LTD company and putting a deposit in? Would banks need to see 2 years books before lending?

[@JustinWilkins]

Hi Lee, you can start investing with your new ltd company immediately. For your first few purchases in that ltd company the lenders will look at you as the director - they’ll want to see your personal income / salary, or your 2 years of books if you are self employed 👍🏻

[@iancowie2602]

Great video. I would love to ask your account of the benefits of having one property per limited company. For example if I have 10 property's I have each of them in a different limited company. Would love hear some thoughts on this. I am under the Impression that's this can be a better way to buy property for tax reasons. A company called Getground which I am currently using, will structure your portfolio in this way..

[@JustinWilkins]

Interesting perspective and idea Ian, thanks for sharing. Its not something that I had considered much before. I imagine one downside could be the cost and work required to maintain that many companies, but apart from that I am interested to try and learn the benefits! Thanks for watching

[@iancowie2602]

@@JustinWilkins it might be worth you checking out Getground. The pricing is not at all expensive they mention a number of benefits of purchasing property in this way. I have just put my 2nd btl in a company structure they have set up for me and I looking to use them again in the future.

[@smartfrogeducation4134]

My brother wants to invest in to my UK property company, and is not fussed when or if he is paid back. From an accounting/tax perspective, how will this be treated?

[@JustinWilkins]

Hard to give an exact answer on that, but your brother will be investing into your business. So it’s essentially a loan of money from your brother that you can or will pay back at some point. I’d highly recommend speaking with an accountant for advice!

[@alanmiller8837]

Hi Justin do you purchase your btls in Ltd company too?

[@JustinWilkins]

Hi Alan, yes thats right. My 2 are in a ltd company :)

[@brothermanben7140]

When you put the loan into the company can you charge the company interest?

[@JustinWilkins]

I’m not 100% certain on this, but technically I don’t see why not. 🙂

[@vicekehspace8583]

New subscriber and finding your channel really useful. New to buy-to-let and as expected, a bit apprehensive. Can I ask your advise on business accounts please. looking to open an account with "Countingup" but not sure how trustworthy this company is. I have never heard about them till I received an advert letter in the post as soon as I registered my company. Will appreciate your advice on this.

[@JustinWilkins]

Thanks for subbing and watching my videos 😃 really pleased they are useful! So I bank with Starling Bank who have been great - although setup took a couple of weeks. I don’t know much about Counting Up but aslong as your money is protected up to £85k like the other banks, then these new online challengers banks seems to be great!

[@nickk8045]

Can an spv get a repayment mortgage to buy to let

[@JustinWilkins]

Yes it can, although a lot of investors opt for interest only

[@Jeffybonbon]

I am a personal owner and i have a SPV and I watch Landlords who are now using Ltd Co wrapper we have seen how personal ownership is being taxed S24 and Govt can see Landlords using SPV I believe in coming years the SPV will be taxed for none trading Companies Nothing is set in stone Ltd Co is far more transparent than personal ownership and Sic codes show who is buying property via a Company a change of taxation could be swift and easy Look at S24 Do you really think govt are not watching this sort of wrapper

[@paulsondj]

Can the company pay back a loan with pre tax income or is it after tax?

[@JustinWilkins]

Cheers for watching Dan. My understanding is that it has to be after tax, but definitely check with your accountant, or Peter!

[@jimboyuk1]

Directors Loans sit on your balance as a liability and you are the creditor. As a creditor you can have that loan paid back at any time provided that there is sufficient cash in the business (the rules are different if the company is being liquidated as other creditors such as the tax man may have first claim on liabilities that need to be paid out). Repaying of loans is not a cost to the business and therefore the notion of profit with regards to repaying loans is irrelevant.

[@nickk8045]

Have you ever heard of get ground

[@JustinWilkins]

Yes I have done work with them over the last year, and have many friends, clients that use them too. I also did 2 videos with GetGround, here is one of them - kzbin.info/www/bejne/m6aYoKFths-Agcksi=0NoghjdUREOx0Cwz

[@OGCrypto33]

So how are people like robert kiyosaki not paying tax by getting passive income?

[@JustinWilkins]

For those that are super rich, there are more creative ways of living and paying less taxes. Its about getting rich, and then playing the game. In reality, everyone pays tax in some way and if you earn enough money, paying tax is less of an issue :)

[@kai-uz7qy]

good accountant, limited view of company law. structuring a company has nothing to do with tax. if a tax law changes, it does not change the ways a company is structured. actions you make now will greatly affect your future. you would be kicking yourself in 30 years if you hadn't structured your company well now.

[@JustinWilkins]

Thanks for watching, and maybe Peter's point came across wrong as I don't think he meant encourage people to put all their focus on structure around tax... its just a very important factor to consider. After all you are correct, tax laws change and can cause issues. Appreciate your views and thanks for watching!

[@seanculun6067]

Hi can you tell me how I can get in touch with you for advice etc?

[@duttontube]

Great video Justin, do you have a link to Peter's website or email so I can contact him?

[@JustinWilkins]

Thanks James! Peter’s website is PeterJarman.com 👍🏻