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Harbour Property Group Property Investment specialists, assisting you with your UK property needs whilst living overseas.

Tax Structuring

At Harbour Property Group, we specialise in guiding property investors through the complexities of tax structuring. We take the time to understand your unique circumstances and goals during your free consultation and in conjunction with Tax specialists will ensure that any decisions we make are in your best interests.

If purchasing property through a limited company is the right approach for you, we’ll assist in setting it up and support to manage the process smoothly. Let us hear your goals and questions and we will provide the expert, we recommend, to advise you and make the necessary arrangements to optimise your investment strategy.

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Why is Tax Structuring Important?

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01

Optimising Tax Efficiency

The right tax structure helps minimise your tax liabilities by making the most of available reliefs, allowances, and exemptions. This ensures you pay as little tax as possible, allowing you to retain more of your income and capital gains.

02

Maximising Cash Flow

Effective tax structuring can improve your cash flow by reducing the tax burden on rental income and profits. This is crucial for property investors who rely on strong, consistent cash flow from their investments.

03

Protecting Personal Assets

By separating your personal and business assets, a well-thought-out tax structure can offer greater protection against legal claims or financial risks, safeguarding your personal wealth.

04

Flexibility in Financing

Different structures offer various opportunities for securing finance. For example, using a limited company may give you better access to loans or attract investors, supporting the growth of your property portfolio.

05

Succession Planning

Tax structuring plays a vital role in planning for the future, allowing you to transfer assets to heirs in a tax-efficient manner. It can also help reduce inheritance tax and ensure your property wealth is passed on smoothly.

06

Adapting to Changing Regulations

Tax laws are always evolving, and the right structure offers flexibility to adapt to new regulations. Whether it’s changes in tax policy or adjustments to your investment strategy, a sound tax structure ensures your investments remain efficient and compliant.

Why Choose Us?

End-to-end Solutions

From legal and tax guidance to property management and letting services, Harbour Property Group handles every aspect of your investment. This allows you to relax and enjoy the returns while our team of brokers and advisers collaborates to turn your property dreams into reality.
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We Commit to Excellence

 

At Harbour Property Group, our proven track record speaks volumes about our commitment to excellence and client satisfaction. With years of experience in the property market, we have successfully guided numerous clients through their real estate journeys.

Our portfolio showcases a diverse range of successful transactions, reflecting our ability to navigate various market conditions and client needs. We pride ourselves on building lasting relationships based on trust, transparency, and outstanding results, ensuring that each client feels supported every step of the way. When you choose us, you’re partnering with a team dedicated to achieving your property goals.

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UK Expat Investment Specialists

At Harbour Property Group, we take pride in our diverse team of specialists, each bringing unique expertise to the table. From seasoned property brokers and financial advisors to legal experts and property management professionals, our team is equipped to handle every facet of your real estate journey.

This collaborative approach ensures that you receive comprehensive support tailored to your specific needs. Whether you’re navigating complex regulations, seeking optimal financing options, or managing your investment, our specialists work together seamlessly to provide you with the best possible outcomes. With us, you can rest assured that you’re in capable hands, supported by a team dedicated to making your property experience as smooth and successful as possible

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We Make It Easy

At Harbour Property Group, we understand that navigating the property market can be overwhelming, especially for expatriates. That’s why we are committed to making the process as easy and straightforward as possible for our clients. From your initial inquiry to the final transaction, our dedicated team is here to guide you every step of the way. We take care of all the complexities—conducting market research, arranging finance, and managing legal requirements—so you can focus on what matters most: your investment goals. Our streamlined approach and personalised support ensure that you have a hassle-free experience, empowering you to make confident decisions without the stress. With us by your side, you can rest assured that your property journey will be smooth and efficient.

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Harbour Property Group: Services We Offer

  • Current Portfolio Health Check
  • Arranging International Finance
  • Buy-to-Let Property Sourcing
  • Legal Support and Conveyancing Process
  • Research and Education in UK Market
  • Sourcing Tenants and Property Check
  • Tax Structure, Company Formation & SPV
  • Protection Products and Insurance
  • Furnishing
  • & More
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Featured Investment Property

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Two Beds from £960,000

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Common Expat Mortgages Queries

Should I buy property through a limited company or as an individual?

Should I buy property through a limited company or as an individual?

Whether to purchase property through a limited company or in your personal name depends on several factors, including your income, tax situation, and long-term goals. A limited company may be more tax-efficient for higher earners or those looking to reinvest profits, but it may not always be the best choice for everyone. We can help you assess which structure is most suitable for your needs.
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How can tax structuring help reduce my tax liability?

How can tax structuring help reduce my tax liability?

A well-planned tax structure allows you to take advantage of available allowances, deductions, and reliefs, which can help reduce your overall tax burden. For example, owning property through a limited company can enable you to claim business-related expenses and pay corporation tax on profits, potentially offering more favourable rates than personal income tax.
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What are the ongoing costs of owning property through a limited company?

What are the ongoing costs of owning property through a limited company?

While there are tax benefits to using a limited company, there are also additional costs, such as company formation fees, accounting and administration costs, and corporation tax filings. These should be weighed against the potential savings to determine if it’s the right structure for you. We can provide a full breakdown of these costs to help you make an informed decision.
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Harbour Mortgage Advice

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Ready to optimise your property investment strategy?

  • Tax structuring can be complex, but we're here to make it simple. If you're unsure about the best approach for your investments, book a call with one of our experts today. We'll help you navigate your options and ensure you’re making the most tax-efficient decisions for your portfolio.
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How do I know I am getting good advice?

All of our recommended properties come with a detailed business case enabling you
to make your own, more informed decision. Equally, when you purchase property in
the UK you will be represented by a conveyancing solicitor who will offer you a level
of protection in the purchase process. Finally, we are a registered member of the
Property Redress Scheme, a body offering you support if you feel the advice you
have been provided with has led to any disadvantage.

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Aren’t New Build properties expensive?

No. We work closely with our UK developers to ensure our clients pay a fair price for
their holdings. In many cases, especially with off-plan purchases, this will mean
clients will pay less for ‘’like-for-like’’ property within the same postcode.

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I’ve been told I am unlikely to get a mortgage as an overseas investor, does this apply to me?

We provide access to a global network of specialist lenders who work exclusively
with overseas investors looking to purchase UK property.

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How do you handle portfolio management for investors?

We provide ongoing portfolio management, regularly reviewing your properties, adjusting to market conditions, and ensuring your portfolio remains aligned with your financial objectives.

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What is the minimum investment required to get started?

The minimum investment varies depending on the property and your financial goals. We offer a range of investment options to accommodate different budgets.
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How do you ensure I avoid common property investment pitfalls?

Our expertise helps you avoid common pitfalls such as poor property selection, ineffective tax planning, and inadequate property management. We provide full support throughout the investment lifecycle.
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What are the common challenges for international property investors?

International investors often face challenges such as unfamiliarity with the UK market, navigating tax laws, managing properties remotely, arranging finance, and dealing with tenant issues. We help clients overcome these challenges with tailored solutions.

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Can you help me with lettings and tenant management?

Yes, we offer lettings and tenant management services, including tenant sourcing, vetting, and ongoing property maintenance, to help you maximize rental income with minimal effort.
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What support do you provide for tax structuring related to property investments?

Our team provides expert advice on tax structuring, helping you navigate the complexities of property taxes to ensure your investments are tax-efficient and compliant.
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Do you offer assistance with property management for absentee landlords?

Yes, we provide complete property management services to absentee landlords, ensuring your property is well-maintained, tenants are managed, and your investment is protected.
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What is the process for starting an investment with you?

The process begins with a consultation to understand your goals, followed by detailed research and property recommendations. We then manage the entire process, from purchase to property management.
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Can you help me choose the right investment property in the UK?

Yes, we work closely with you to understand your investment goals and recommend properties from a broad range of opportunities that meet your needs, whether you are looking for residential, commercial or mixed use strategies.

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What makes your property investment services unique?

Our independent, multi-disciplinary approach provides end-to-end solutions, including property research, selection, management, and tax advice, to ensure a seamless investment experience for clients worldwide. HPG’s main point of difference is our core focus on client care, building long term relationships with all our investors

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How can I invest in UK property from abroad?

We guide international investors through every step of the process, ensuring they can make informed decisions and manage their investments, no matter their location.
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What services do you offer to property investors?

We offer comprehensive property investment solutions, including research, property selection, lettings, portfolio management, and tax structuring, all designed to simplify the investment process for our clients.

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