Gold Award Recognition

    
2025 UK Property Awards
We are pleased to announce that through our commitment to continuous improvement, we have been awarded Gold at the 2025 UK Property Awards for our area. This recognition reflects our dedicated efforts to enhance our services in a manner that meets the stringent standards of the property market, with a primary focus on supporting our client landlords.     
About the Award
The UK Property Awards celebrate excellence across the property sector. Our Gold Award is based on comprehensive assessments of service quality, adherence to current UK regulations, and consistent performance. It serves as an objective benchmark, ensuring that our operations are transparent, compliant, and responsive to the needs of our client landlords.  
What This Means for Our Client Landlords  
This accolade highlights the benefits that our client landlords can expect:

        
Enhanced Service Delivery: We continually review our processes to ensure reliable and efficient management in accordance with UK regulatory requirements.
        
Proactive Communication: Clear, timely updates and guidance help address issues at an early stage.
        
Practical Support: We provide comprehensive advice on initial checks and troubleshooting before recommending further interventions.
        
Transparent Operations: Our approach ensures that you receive accurate and fair assessments, fostering long-term trust and accountability.
      
Tenants also benefit from our improved service, our focus remains on delivering a superior experience to our client landlords and tenants, ensuring your investments are managed professionally and efficiently.

Our Ongoing Commitment
  
This award is a milestone in our continuous journey towards service excellence. We remain committed to refining our practices and complying with all relevant UK property regulations. Our approach is to address initial queries with practical self-help checks, escalating only when necessary, ensuring that every issue is managed appropriately.
    
We invite you to explore our resources and contact our team for further guidance on managing your property investments effectively.
     
Contact Us    
If you have any questions or require further assistance, please reach out to our dedicated team:
Email: info@mosslondonlettings.co.uk

Phone: 020 8946 7661
© 2025 Moss and Co Ltd. All rights reserved.
  

The Enterprise Investment Scheme (EIS) is a UK government initiative designed to help smaller, potentially higher-risk companies raise finance by offering tax reliefs to investors. It encourages investments in these businesses by providing significant tax incentives. For landlords and property management services considering expanding or diversifying their portfolios into new ventures, understanding the intricacies and benefits of EIS is crucial.
### Key Benefits of EIS
#### Income Tax Relief
Investors can claim up to 30% income tax relief on investments up to £1 million in a single tax year (or £2 million if anything above £1 million is invested in knowledge-intensive companies). This relief is provided at the point of investment and can be claimed against the investor's income tax liability for the year the shares are purchased.
#### Capital Gains Tax Exemption
Any gain on the EIS shares is free from Capital Gains Tax (CGT) if the shares are held for at least three years. This can significantly enhance the returns on an investment, particularly for those in higher tax brackets.
#### Loss Relief
If the EIS investment loses money, the investor can elect to offset the loss against their income tax bill, either for the year of the loss or the previous year. This is calculated at the investor's marginal rate, making this relief particularly valuable for higher or additional rate taxpayers.
#### CGT Deferral Relief
Investors can defer capital gains from other investments by reinvesting those gains into EIS-eligible shares. The deferred gains will not attract CGT until the EIS shares are sold, providing a useful tax planning tool.
### Example of Cost Savings with EIS
Let's consider an example to illustrate the potential tax savings through EIS:
#### Scenario
An investor, who is also a higher-rate taxpayer, invests £100,000 in an EIS-eligible company. The shares are held for over three years and then sold at a profit of £50,000.
1. **Income Tax Relief:** The investor can claim 30% of the investment as income tax relief, which equates to £30,000.2. **Capital Gains on EIS Shares:** The £50,000 profit from the sale of shares is exempt from Capital Gains Tax.3. **Loss Relief:** If the investment had resulted in a loss, the investor could claim loss relief. For instance, if the shares became worthless, the investor could claim a loss of £70,000 (£100,000 investment minus £30,000 tax relief already received). At a higher tax rate of 40%, this equates to £28,000 in reduced tax liability.
This scenario shows that the initial £100,000 investment effectively costs the investor only £42,000 after income tax relief and potential loss relief, excluding any potential profits made from the investment.
### Conclusion
For landlords and investors looking to expand into new property-related ventures, EIS offers an attractive route not just for tax efficiency but also for potential high returns on riskier investments. The tax reliefs provided under EIS make it possible to mitigate risks significantly, while potentially boosting the net returns of successful investments.
### Call to Action
To learn more about how you can leverage the Enterprise Investment Scheme for your investment strategy, or to discuss potential EIS-qualifying opportunities, please contact us:- Phone: 02089467661- Email: info@mosslondonlettings.co.uk- Visit our website: [Moss London Lettings](http://www.mosslondonlettings.co.uk)
Understanding and utilizing EIS can be a cornerstone for strategic investment planning, particularly in the competitive and dynamic market of South West London.

Letting property through a company, rather than as an individual, can offer numerous tax advantages that may be particularly appealing to landlords. This approach is especially beneficial in areas like South West London, where the rental market is robust and property values are high. However, it is important to consider all financial implications before transitioning from individual to company ownership.

 Corporate Structure Benefits

One of the primary benefits of holding property within a company structure—typically a limited company—is the potential for tax efficiency, primarily through the difference in taxation of personal income versus corporate income. Companies in the UK pay Corporation Tax on their profits, which is generally lower than the higher income tax rates that individual landlords might face. This can result in substantial savings, particularly for higher or additional rate taxpayers.

Lower Tax Rates on Profits

For individual landlords, rental income is added to other forms of income (such as salary from employment), which can push them into higher tax brackets, leading to tax rates of up to 40% or 45%. In contrast, a company pays Corporation Tax at a rate generally below the standard tax threshold, providing a potentially lower tax liability.

Deductible Expenses

Companies can deduct a wide range of expenses before arriving at their taxable profit. These include not just direct costs of letting out property, such as repairs and maintenance, but also potentially broader management expenses, including office costs and professional fees. This can often result in a lower effective tax rate than that achievable by individual landlords.

Dividend Allowances

When it comes to extracting profits, company directors can choose to pay themselves through dividends, which can be more tax-efficient than salary. Dividends are taxed at lower rates than income tax and are not subject to National Insurance contributions. Each individual has a dividend allowance which is tax-free, and above this, dividends are taxed at lower rates compared to income tax rates.

Considerations When Transferring Property

It is important to note that transferring a property that is already owned in your name into a company structure involves certain costs. These include paying stamp duty and possibly capital gains tax, depending on the value of the property and the profit realized on transfer. Therefore, while buying new properties directly in the company name can be beneficial, transferring existing properties to a company should be approached with caution. This is particularly relevant if the sole purpose is to achieve tax efficiency, as the initial costs may outweigh the potential tax benefits.

Introduction to Enterprise Investment Schemes (EIS)

In addition to the above points, our service includes a separate, detailed discussion about the Enterprise Investment Scheme (EIS), which offers tax reliefs that are particularly relevant for property investments and can significantly affect investment decisions and tax planning.

Call to Action

To explore how these tax advantages can benefit your property portfolio, or for more detailed information, feel free to contact us:- Phone: 02089467661- Email: info@mosslondonlettings.co.uk- Visit our website: [Moss London Lettings](http://www.mosslondonlettings.co.uk)

With careful planning and strategic management, the structure of your property holdings can maximize profitability and facilitate growth in the competitive South West London market.

Now that the Tennis championships are over (Murray lost in the Quarter Finals!) 

So what has happened to Wimbledon in the last few days?

The station has returned to normal, there's no longer massive tennis related stalls as soon as you walk outside!

A majority of the fine shopping establishments have wiped any clue that the Tennis was on from their shop fronts (apart from us. We still have some Tennis balls in the window)

And of course we're still in full swing with helping you find the right home for you, your family or your friends. Visit us at Mosswimbledonhill.co.uk for more details. We hope to hear from you soon!

Photo Credit to http://www.1platinumconcierge.com/

Are you a motivated negotiator? Need some extra weekend experience or just want to get out the house?

Then we have the job for you! We’re looking for a talented and motivated lettings negotiator to work Saturdays for us.

Enquire by emailing info@mosswimbledonhill.co.uk, or calling on 02089467661

We here at Moss&Co, the family run estate agent of Wimbledon, look forward to hearing from you.