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UK Property Tax Show by Simon Misiewicz

UK Property Tax Show by Simon Misiewicz

By: Simon Misiewicz UK Property Tax Specialist
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Summary

UK property tax is changing fast and most landlords, investors, and even advisers are getting it wrong.


This podcast breaks down the real rules behind UK property taxation, cutting through outdated advice, social media myths, and risky strategies that could cost you thousands in tax, penalties, or HMRC enquiries.


Hosted by Simon Misiewicz, a UK property tax specialist and founder of Optimise Accountants, each episode delivers clear, practical insights you can actually use, whether you own one buy-to-let or a complex property portfolio.



What you’ll learn


  • How to legally reduce tax on rental income and property profits
  • The truth about limited companies, Section 24, and incorporation risks
  • Capital Gains Tax strategies when selling property
  • Stamp Duty (SDLT) traps and how to avoid overpaying
  • HMRC investigations — what triggers them and how to stay compliant
  • Real case studies from UK landlords and investors
  • Tax-efficient structures for long-term wealth and succession planning



Who this is for


  • UK landlords and property investors
  • Property developers and portfolio builders
  • Letting agents, mortgage brokers, and IFAs
  • Accountants and advisers working with property clients



Why this podcast is different


Most “property tax advice” online is either:


  • Outdated
  • Over-simplified
  • Or dangerously aggressive



This podcast focuses on what actually works under current UK tax law, based on real client experience and HMRC practice — not theory.



New episodes weekly


Each episode is designed to be:


  • Straight to the point
  • Actionable
  • Backed by real-world experience


⚠️ Important


This podcast is for educational purposes only and does not constitute personalised tax advice. Always seek professional advice before implementing any strategy.


📩 Work with us



| UK Property Tax Options:
| 🌐 UK Property Tax Website: https://www.optimiseaccountants.co.uk/
| 📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call
| 📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB
| 🎧 Podcasts: https://www.buzzsprout.com/2607825
| 💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/
|
| A quick mention of our proud sponsor Calm Buddies: helping children, parents and families bring a little more comfort, calm and reassurance into everyday life. You can find out more about their products here: https://calmbuddiesofficial.myshopify.com/


© 2026 UK Property Tax Show by Simon Misiewicz Economics Personal Finance
Episodes
  • Landlord Tax Changes 2027: Section 24 and Tax on a Loss

    Landlord Tax Changes 2027: Section 24 and Tax on a Loss
    9 Nov 2026

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    Chapters

    00:00:00 2027 landlord tax rates: 24%, 44%, 49%

    00:00:32 Example 1: £200,000 mortgage at 4%

    00:02:33 BRRR: £300,000 mortgage at 6%

    00:05:38 Who keeps the profit: bank vs HMRC

    00:06:34 How to cut your landlord tax bill

    00:09:04 Take advice before you act


    Landlord tax changes 2027: how can rental profit of £976 face a 79% tax rate? Section 24 and the new property income tax rates explain it.


    Simon Misiewicz of Optimise Accountants explains the property income tax rates announced for April 2027 (24%, 44% and 49% in England, Wales and Northern Ireland, with legislation due in Finance Bill 2026-27). He works through two examples to show how Section 24 removes the mortgage interest deduction and replaces it with a 24% tax credit, and why a BRRR refinance can mean tax on a loss.


    In this episode you'll hear:

    • The new rates for basic, higher and additional rate landlords

    • A £200,000 mortgage at 4%: £15,000 rent, £976 left after tax, a 79% effective rate

    • A £300,000 BRRR mortgage at 6%: a £5,400 loss before tax and £1,224 of tax

    • Who keeps the money: bank 63%, HMRC 29%, you 8%

    • Five options: spouse transfer, pension contributions, a company, giving up a job, holding fewer properties


    Questions answered in this episode:

    • What are the landlord tax rates from April 2027?

    • How does Section 24 work with mortgage interest?

    • Can landlords pay tax on a loss?

    • Why can a BRRR refinance cost more in tax?

    • How can I reduce landlord tax legally?


    Takeaway: model your own numbers before April 2027, because Section 24 taxes the gross profit, not the profit after interest.


    Simon Misiewicz of Optimise Accountants

    UK Property Tax Options:

    🌐 UK Property Tax Website: https://www.optimiseaccountants.co.uk/

    📅 Book a Call: https://optimise-accountants.zohobookings.com/5011554000000096027

    📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB

    🎧 Podcasts: https://www.buzzsprout.com/2607825

    💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/


    General information only, not tax advice. Take advice on your own circumstances.

    Links

    🌐 Website: https://www.optimiseaccountants.co.uk/

    📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call

    📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB

    ▶️ YouTube Channel: https://www.youtube.com/@optimise-accountants

    🎧 Apple Podcasts: https://podcastsconnect.apple.com/my-podcasts/show/uk-property-tax-by-simon-misiewicz-optimise-accountants/c62ef1a1-fcaa-4beb-8107-c671865cc71d

    🎵 Spotify Podcasts: https://open.spotify.com/show/0LiWbYJI7pJIquPVaF4GeF?si=I3xXgUwgQJuG42Q14Fs0NQ

    💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/
    Show more Show less
    9 min
  • Property Income Tax Rates 2027: What Landlords Pay

    Property Income Tax Rates 2027: What Landlords Pay
    26 Oct 2026

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    00:00:00 Landlord tax rises from April 2027
    00:00:15 Why frozen allowances push you up
    00:01:43 Property tax rates 2027: 22%, 42%, 47%
    00:02:21 Next Phase Property Tax eBook
    00:02:50 Map and model your rental income
    00:03:47 Should you refuse a pay rise?
    00:04:38 Move rental income to your spouse
    00:05:10 Pension contributions to save tax
    00:05:51 Plan ahead before April 2027

    Landlord tax is rising in April 2027, and a pay rise or higher rents could move you from 20% to 42% tax on your rental income.

    In this episode, Simon Misiewicz of Optimise Accountants explains the property income tax rates for 2027 (22%, 42% and 47%, now law in the Finance Act 2026), why the frozen £12,570 personal allowance matters, and how landlords can plan with spouse income, pension contributions and a simple map, model, decide process.

    In this episode you'll hear:
    • The new property and savings income tax rates from 6 April 2027
    • Why a pay rise can push a basic rate landlord into the 42% band
    • What already changed for dividend income in April 2026
    • Why Section 24 mortgage interest relief is only a basic rate credit
    • Why you should not refuse a pay rise to save tax
    • How moving income to a lower-earning spouse can keep you both at basic rate
    • How pension contributions and salary sacrifice can save income tax and National Insurance

    Questions answered in this episode:
    • How much tax will landlords pay on rental income from April 2027?
    • Can a pay rise push my rental income into the 42% tax band?
    • Is it worth refusing a pay rise to pay less tax?
    • Can I move rental income to my spouse to pay less tax?
    • Do pension contributions reduce tax for landlords?
    • What should landlords do before April 2027?

    Takeaway: map your income, model the April 2027 rates and decide before the tax year starts.

    Free Next Phase Property Tax eBook: https://www.optimiseaccountants.co.uk/next-phase-property-tax-planning/
    Recorded webinar: https://www.youtube.com/watch?v=bksIufbyS6w
    Discuss our services (book a call): https://optimise-accountants.zohobookings.com/5011554000000096027

    Simon Misiewicz of Optimise Accountants
    UK Property Tax Options:
    🌐 UK Property Tax Website: https://www.optimiseaccountants.co.uk/
    📅 Book a Call: https://optimise-accountants.zohobookings.com/5011554000000096027
    📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB
    ▶️ YouTube Channel: https://www.youtube.com/@optimise-accountants
    🎧 Podcast: https://www.buzzsprout.com/2607825
    🎵 Spotify: https://open.spotify.com/show/0LiWbYJI7pJIquPVaF4GeF
    🍎 Apple Podcasts: [PUBLIC podcasts.apple.com LISTING URL]

    General information only, not tax advice. Take advice on your own circumstances. Rates correct at 26 October 2026; the Budget on 28 October 2026 could change the position.

    Links

    🌐 Website: https://www.optimiseaccountants.co.uk/

    📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call

    📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB

    ▶️ YouTube Channel: https://www.youtube.com/@optimise-accountants

    🎧 Apple Podcasts: https://podcastsconnect.apple.com/my-podcasts/show/uk-property-tax-by-simon-misiewicz-optimise-accountants/c62ef1a1-fcaa-4beb-8107-c671865cc71d

    🎵 Spotify Podcasts: https://open.spotify.com/show/0LiWbYJI7pJIquPVaF4GeF?si=I3xXgUwgQJuG42Q14Fs0NQ

    💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/
    Show more Show less
    6 min
  • CGT and IHT Double Tax: How 54% of a Gain Disappears

    CGT and IHT Double Tax: How 54% of a Gain Disappears
    12 Oct 2026

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    Simon Misiewicz of Optimise Accountants shows how capital gains tax then inheritance tax can take 54% of a £100,000 gain, and what UK landlords and investors can consider instead.


    Selling shares, crypto or property? CGT and IHT double tax can take 54% of a £100,000 gain from your family.


    This video is for UK landlords and property investors, and anyone selling shares or crypto, who wants to know what is left for their heirs after capital gains tax and then inheritance tax. Simon Misiewicz of Optimise Accountants walks through a worked example so you can see the numbers before you sell.


    You'll learn:

    ✅ How a £100,000 gain at 24% CGT leaves £76,000, and why inheritance tax at 40% can then take £30,400

    ✅ Why that adds up to an effective tax rate of 54%

    ✅ What happens if you keep the asset instead: IHT only, leaving £60,000 rather than £45,600

    ✅ How the £325,000 nil-rate band and £175,000 residence nil-rate band fit in (both frozen until 5 April 2031)

    ✅ Why spending or reinvesting the cash matters, and how growth can push the whole estate into IHT

    ✅ How borrowing against an asset instead of selling can avoid CGT now and reduce the estate for IHT, and why you need advice first


    The example ignores reliefs and allowances so you see the raw numbers. Your own position will differ, so speak to your accountant, solicitor and financial adviser before acting.


    Free Next Phase Property Tax eBook: https://www.optimiseaccountants.co.uk/next-phase-property-tax-planning/

    Book a call to discuss your situation: https://optimise-accountants.zohobookings.com/5011554000000096027

    Links

    🌐 Website: https://www.optimiseaccountants.co.uk/

    📅 Book a Call: https://optimiseaccountantsltd.as.me/Optimise-accountants-sales-call

    📄 UK Property Tax Guide: https://survey.zohopublic.com/zs/qhCNLB

    ▶️ YouTube Channel: https://www.youtube.com/@optimise-accountants

    🎧 Apple Podcasts: https://podcastsconnect.apple.com/my-podcasts/show/uk-property-tax-by-simon-misiewicz-optimise-accountants/c62ef1a1-fcaa-4beb-8107-c671865cc71d

    🎵 Spotify Podcasts: https://open.spotify.com/show/0LiWbYJI7pJIquPVaF4GeF?si=I3xXgUwgQJuG42Q14Fs0NQ

    💼 LinkedIn Articles: https://www.linkedin.com/in/simon-misiewicz-fcca-att-ea-caa-mba-61637033b/recent-activity/articles/
    Show more Show less
    8 min
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