AtHomeWithSarahBeenyAutumn2016 - 69


PROMOTION

Letting experts help
Changes to the tax laws
involving landlords may
make life a bit complicated
- but they don't have to.
Allow TWD experts to assist

F
 

ollowing last summer's budget,
those individuals who let
residential property face a
number of changes to their
tax position over the next few years.
Currently interest on a loan used to
purchase a buy-to-let property, can
be deducted from the rental income
received. However, the Government
has now decided to change this
long-standing rule.
In future, instead of the whole interest
amount being deducted before the
profit is taxed, the individual will only
be allowed a basic rate tax
deduction of 20% of the
interest paid (note that
this does not apply to
furnished holiday
TWD Accountants will
accommodation.)

Fixed fee

What's allowed?

efficiently sort out all
your tax issues for a
set amount - no
nasty surprises or
hidden extras.

The change takes effect
from April 2017 and is
being phased in over a
four-year period with
transitional rules until
April 2020. During the four
year period, the amount of
interest from the rental income will
reduce and the proportion of loan
interest that will only qualify for basic
rate tax relief will increase.
Tax relief allowable over the
transitional years is as follows:
2016/17 - 100% of the interest against
rental income
2017/18 - 75% of the interest against
rental income, 25% basic rate tax relief
2018/19 - 50% of the interest against
rental income, 50% basic rate tax relief
2019/20 - 25% of the interest against
rental income, 75% basic rate tax relief
2020/21 - 100% of the interest is at
basic rate tax relief
These changes could significantly affect
higher and additional rate taxpayers.

Wear and tear allowance

Since April, the wear and tear allowance
is abolished and is replaced by a

deduction for the actual costs
spent on replacing furnishings,
appliances and kitchenware in the
property. Previously, landlords could
claim 10% of the rent less costs normally
paid by the tenant, as an annual
deduction. The cost of the replacement
item is limited to like-for-like or the
modern equivalent of the old one.
This is likely to create a small
administrative burden for landlords
who previously claimed wear and tear
allowance, as they will now be required
to keep a record of actual expenditure
incurred and ensure they don't include
any elements of improvement.

Expert advice

If you require any assistance completing
your self-assessment tax return, TWD
Accountants would love to hear from
you. TWD offers a fixed fee service with
no hidden extras and we don't try to sell

you services you don't need. The
company deals with clients nationwide
and there is no need for face-to-face
meetings, which keeps costs lower and
avoids the need for soaring hourly
charges usually associated with high
street accountants.
The company is passionate about
making tax accessible and providing a
friendly, efficient service. Talk to TWD
Accountants and see how the company
can take away your tax headache.

FOR MORE INFORMATION
Call 0800 093 9433
Visit www.twdaccounts.co.uk/
beeny
Email chrisf@twdaccounts.co.uk


http://www.twdaccounts.co.uk/beeny

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