Guides
Tax planning guides.
Everything we've written on tax planning — plain English, no jargon, written by Björgvin.
17 guides
Capital Gains Tax on Rental Property: How Much Will You Pay When You Sell? (UK Landlords 2025/26)
Capital Gains Tax on Rental Property – UK Landlords 2025/26 UK landlord selling a rental or second home? Learn when Capital Gains Tax applies, how to calculate it and the 60-day rules for 2025/26 and 2026/27.
14 min readPrivate Residence Relief and Letting: Do You Pay CGT If You Lived in the Property First? (UK Landlords 2025/26)
Private Residence Relief & Letting, UK Landlords 2025/26 Lived in a property then let it out? Learn how Private Residence Relief and lettings relief work for UK landlords, plus what’s changed since April 2020.
14 min readLandlord tax changes 2025–27: what the extra 2% on rental income really means (and what you can do about it)
Landlord Tax Changes 2025–27: Extra 2% and What to Do Worried about the new 2% landlord tax on rental income? See what it really means for small UK landlords, and how to turn it into a tax-efficient opportunity.
12 min readMoving your rental property into a limited company in 2025/26: the complete guide for UK landlords
Moving Property into a Limited Company (UK 2025/26): CGT, SDLT, Reliefs & Pitfalls for Landlords Thinking about moving your buy-to-let into a limited company in 2025/26? This guide for UK landlords explains CGT, SDLT, incorporation relief, partnership planning, worked examples and the non-tax traps to avoid.
15 min readEmployer NIC Cost Impact (UK 2025/26): Worked Examples, Team Scenarios & One-Page Planner
Employer NIC Cost Impact (UK 2025/26): Worked Examples & Planner See how 2025/26 employer NIC rules affect your SME. Worked examples, team scenarios, Employment Allowance and a copy-paste NIC planner.
5 min readSole trader taxes (UK 2025/26): what you actually pay
Sole Trader Taxes UK 2025/26: What You Actually Pay UK 2025/26 sole trader tax: Income Tax bands, Class 4 NI and Payments on Account, with take-home examples and weekly set-aside using a 52-week forecast. GOV.UK-sourced.
4 min readStudent loan repayments (UK 2025/26): Plan 1, Plan 2, Plan 4 & Postgraduate (PG), explained
Student Loan Repayments UK 2025/26: Plan 1, Plan 2, Plan 4 & Postgraduate (PG) Explained
4 min readEmployer NIC Changes 2025/26: Costs, Thresholds & Allowances for UK SMEs
Employer NIC Changes 2025/26: Costs, Thresholds & Allowances for UK SMEs Learn how the 2025/26 employer NIC increase affects SMEs. See worked payroll cost examples, winners vs losers, allowance rules, and planning advice.
6 min readDividend Paperwork: Minutes & Vouchers (UK)
Dividend Paperwork (UK): Board Minutes & Dividend Vouchers [Templates]. How to document UK dividends correctly: board minutes, dividend vouchers, reserves checks, record-keeping (6–10 years), and pitfalls to avoid with copy-paste templates.
4 min readDividend Tax 2025/26 (UK): rates, allowance, bands, examples & planning
Dividend Tax 2025/26 (UK): Rates, £500 Allowance & Examples UK dividend tax 2025/26 explained: £500 allowance, 8.75%/33.75%/39.35% rates, band thresholds, examples, reporting rules and director-level planning.
8 min readDividend vs Bonus (Directors, 2025/26): Which pays more net?
Dividend vs Bonus (Directors, 2025/26): Which Pays More Net? | UK NIC & CT Modelling Clear 2025/26 comparison of dividends vs bonuses for UK directors—employer NI 15%, employee NI 8%/2%, dividend allowance £500, dividend tax rates, CT at 19%–25% (with marginal relief). Worked examples + rules of thumb.
5 min readHow to Pay Yourself as a Limited Company Director (UK 2025/26)
How to Pay Yourself as a Limited Company Director (UK 2025/26): Salary, Dividends & Total Tax Explained
4 min readIllegal Dividends (UK): How to Avoid & Fix
Illegal Dividends (UK): How to Avoid & Fix Reserves, Back-Dating, Director’s Loans UK guide to unlawful dividends: what triggers them, how to fix (reclassify to director’s loan, s455 at 33.75%), and how to avoid with proper minutes and vouchers. GOV.UK & Companies Act backed.
7 min readPayments on Account for Dividends (UK): how they work, when you’re hit, and how to plan cashflow
Payments on Account for Dividends (UK): Dates, Rules & How to Reduce. HMRC payments on account explained for dividend taxpayers: who pays, 31 Jan/31 Jul deadlines, £1,000/80% tests, first-year bill shock, SA303 reductions, interest/penalties.
7 min readReporting Dividends: Self Assessment (UK) what to file, when to register, and where to put the numbers
Reporting Dividends (UK): Self Assessment, £10k Rule & Deadlines. When and how to report UK dividends in Self Assessment: the £10,000 rule, register by 5 Oct, where to enter dividends (SA100), 30 Dec coding-out, 31 Jan/31 Jul payments.
7 min readLimited Company Setup Checklist (UK 2025/26)
Everything you need to register, comply and stay on top of your new company explained in plain English. Thinking of setting up a limited company this year?Whether you’re a consultant, a small business owner, or a property investor, you’re probably asking: “How to set up a limited company in the UK” It’s a fair question. […]
7 min readQuarterly Tax-Planning Check-Ins: Employment Allowance & Benefits-in-Kind (UK 2025/26)
Quarterly Tax Planning UK 2025/26: EA & Payrolling Benefits Cut employer NIC with quarterly check-ins. Claim the £10,500 Employment Allowance, manage P11D/Class 1A (15%) dates, and prepare for mandatory payrolling in 2027.
6 min read
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