Plan, report and pay CGT correctly, and keep more of every gain.
Capital Gains Tax catches out far more people than it should, on property, shares, crypto and the sale of a business, usually because reliefs are missed or the 60-day reporting deadline slips. Our ACCA-qualified accountants calculate your gain accurately, claim every relief you're entitled to, and file on time so you never overpay or face avoidable penalties. You get a named accountant, fixed pricing and replies within 72 hours.
We calculate the gain on a second home, buy-to-let or inherited property using the residential rates of 18% (basic rate) and 24% (higher rate), and file the mandatory 60-day CGT-on-property return to HMRC with payment on account. We apply Private Residence Relief and any lettings relief where you've lived in the property, so you only pay on the genuinely taxable portion.
Gains on shares, units and cryptoassets are taxed at 18% and 24% for 2026/27. We handle Section 104 pooling, the same-day and 30-day 'bed and breakfasting' matching rules, and pull together exchange records for crypto so your gain, or allowable loss, is computed correctly and defensibly.
Everyone has a tax-free annual exempt amount of £3,000 for 2026/27. We make sure it isn't wasted, set capital losses against gains in the right order, and register prior-year losses with HMRC (claimable for up to four years) so they're banked and ready to reduce future tax bills.
Selling all or part of a trading business or qualifying company shares can cut CGT to 14% on up to £1m of lifetime gains via Business Asset Disposal Relief (formerly Entrepreneurs' Relief). We check the two-year qualifying conditions well before completion, many sellers discover too late that they don't meet them.
Transfers between spouses or civil partners are made on a no-gain/no-loss basis, and gifts of business assets can often be held over. We plan transfers to use two annual exemptions, spread gains across tax years, and coordinate with Inheritance Tax so a well-meant gift doesn't trigger an unexpected charge.
We report capital gains on your Self Assessment return, reconcile them against any 60-day property filings already submitted, and keep the audit trail HMRC expects. If a CGT enquiry lands, your named accountant handles the correspondence and evidence on your behalf.
Private Residence Relief, Business Asset Disposal Relief, holdover and spousal transfers each have strict timing and ownership tests. We pressure-test eligibility before you sell, not after, so the relief actually sticks.
UK residential property gains must be reported and paid within 60 days of completion, with late filing penalties from day one. We prepare the return ahead of completion so you're never scrambling, or fined.
You deal with one qualified accountant who knows your situation, not a call centre. Replies land within 72 hours, and complex disposals get the senior attention they need.
Clear fixed fees of £99, £199 or £499 depending on complexity, no hourly surprises on top. Everything is backed by our 30-day money-back guarantee.
We work seamlessly with Xero, QuickBooks, FreeAgent and Sage, pulling disposal records straight from your books so nothing is missed and the figures reconcile.
Understanding your business needs.
Crafting your custom accounting strategy.
Quick and easy integration.
Consistent monitoring and reporting.
CT600 returns, computations, and strategic planning to legitimately reduce your liability.
Read morePersonal tax returns prepared, optimised, and filed for directors, sole traders, and high earners.
Read moreQuarterly planning calls that surface savings before deadlines, not after.
Read moreFull HMRC representation, documentation, and negotiation when an enquiry lands.
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The annual exempt amount is £3,000 for 2025/26 (down from £12,300 three years ago). Above that, residential property gains are taxed at 18% (basic rate) and 24% (higher rate). Other assets including shares are taxed at 18% and 24% following the October 2024 Budget alignment. Business Asset Disposal Relief gives a 14% rate on qualifying business disposals up to a £1m lifetime limit, rising to 18% from April 2026.
Yes. UK residential property disposals with a taxable gain must be reported and the CGT paid within 60 days of completion using HMRC's online service. Missing this triggers automatic penalties even if your full Self-Assessment is later spot on. We handle the 60-day return and the year-end reconciliation as one process so nothing falls through the gap.
PRR exempts the gain on your main home for the period you lived there plus the final 9 months. If you let the property out, lettings relief is now restricted to periods where you shared occupancy with the tenant, most landlords no longer qualify. We calculate the relief by ownership period and use of each room, which often recovers more relief than the rough 'fraction of years' approach.
You need to have held at least 5% of ordinary shares and voting rights for the 2 years before disposal, been an officer or employee throughout, and the company must be a trading company. The 14% rate (2025/26) applies up to a £1m lifetime limit. Common traps: too much cash on the balance sheet can taint trading status, and recent share restructures can reset the 2-year clock. We screen for these before the sale completes.
Yes, where the asset can be split (shares, plots of land, a portfolio). Disposing in March and again in April uses two annual exempt amounts and potentially two basic-rate bands. For couples, inter-spouse transfers before disposal also double up the allowance and can shift gain to the lower-rate spouse. We model the saving against any transaction or market-timing risk before recommending it.
Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000-£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.
