Bristol Property Centre have teamed up national mortgage brokerage, Integra Financial Ltd, in a move to support our clients, our investors, and our staff to ensure the highest quality of expertise in the mortgage and commercial lending markets.

 In April 2020, we will see a significant change in the way landlords are taxed on their rental income. The mortgage interest relief will no longer exist and landlords will be taxed on annual rental turnover, with only a basic rate tax relief of 20% applied to the annual yield. For a large number of landlords, this could make a significant difference.

Our colleagues at Integra Financial Ltd have been in the industry for many years and have been carrying out research since Mr Osborne suggested the changes and have investigated ways to make your current portfolio more efficient, or for any new and aspiring landlords, have created strategies that may assist in ensuring a tax efficient portfolio is formed.            

 In this guide, Integra Financial Ltd would like to provide you with 3 key steps, to ensure that every landlord is prepared in advance for the changes.


  1. Speak to Bristol Property Centre and get a summary of your property portfolio. This should include any residential and commercially let properties. The summary should include the property values, rental yields and the mortgage details.


  1. Contact Integra Financial Ltd, where one of the qualified advisers will review your portfolio and suggest various ways of structuring your debt. This could mean reducing your mortgage interest, switching to repayment to enable you to create more equity or maybe exploring the options of limited company lending, tenants in common. Integra Financial Ltd will provide you with holistic advice bespoke to your needs and circumstances.


  1. Contact a qualified accountant or tax adviser to discuss all the details gathered from points 1 and 2, to establish a tax efficient strategy in preparation for April 2020


THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST FORMS OF BUY TO LET MORTGAGE AND TAX PLANNING. Tax treatment is based on individual circumstances and may be subject to change in the future.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.


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