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Capital Gains Tax Advice Minimise Your UK Tax Bill
CGT is a UK tax applied to the profit you make when you sell or dispose of an asset that has increased in value. You only pay tax on the profit, not the total sale amount. For the 2025/2026 tax year, the annual tax-free allowance is £3,000.
Selling a property, business or high value asset?
Do not pay more tax than you legally owe.
At IBISS & CO, we help UK landlords, business owners, and investors navigate complex HMRC rules. We do more than just calculate your tax we proactively apply reliefs to legally minimise your liability and ensure you never miss a strict HMRC deadline.
- UK Landlords & Property Owners
- Business Owners & Founders
- High Net Worth Investors
- Trustees & Personal Representatives
Current UK Capital Gains Tax Rates 2025/2026
| Asset Type | Basic Rate Taxpayer | Higher/Additional Rate |
|---|---|---|
| Annual Tax-Free Allowance | £3,000 (per individual) | |
| Residential Property | 18% | 24% |
| Other Assets (e.g. Shares) | 18% | 24% |
| Business Asset Disposal Relief (BADR) | 14% | 14% |
HMRC Deadline Warning: The current 14% BADR rate for business owners is scheduled to increase to 18% on 6 April 2026. Planning your exit now can secure significant tax savings before this hike.
Selling Assets Through a Limited Company
If you operate as a Limited Company or a corporate investment vehicle, you do not pay standard Capital Gains Tax. Instead, you pay Corporation Tax on your chargeable gains. However, companies have access to unique reliefs. If your company acquired an asset before January 2018, we will calculate and apply your banked Indexation Allowance to account for inflation and significantly reduce your taxable profit.
The 60-Day HMRC Reporting Rule for Property
If you sell a UK residential property, you must report and pay any CGT owed to HMRC within 60 days of the completion date.
Failing to meet this deadline results in instant financial penalties and interest charges from HMRC. Do not wait until your Self-Assessment is due. We provide tailored CGT advice and HMRC portal submission for all areas of the property sector, including:
Contact us immediately upon agreeing to a sale, and we will handle the compliance on your behalf.
How to Reduce Your Capital Gains Tax Liability
We look at your complete financial picture to apply the correct statutory reliefs and exemptions.
Business Asset Disposal Relief (BADR)
Pay a reduced 14% tax rate on qualifying business sales. Warning: This rate increases to 18% on 6 April 2026. Act now to secure the lower rate.
Private Residence Relief (PRR)
Exempt your main home from CGT. We provide expert advice on complex cases involving large grounds, letting out parts of your home, or business use.
Spousal & Civil Partner Transfers
Utilise "no gain, no loss" transfers to strategically move assets. This can double your tax-free allowance to £6,000 and lower your overall tax band.
Hold-over & Rollover Relief
Defer your tax liability when gifting business assets or reinvesting profits into new qualifying assets, keeping more capital working for your business.
Wealth Structuring & Trusts
Protect your family wealth and future generations. We help you use Trusts and strategic Will planning to minimise immediate and future CGT exposure.
Divorce & Separation Planning
Navigate the complex tax rules during separation. We ensure asset transfers are handled tax-efficiently to prevent unnecessary HMRC charges during difficult times.
How IBISS & CO Helps You File
We make the process simple, accurate and stress free:
1
Assess Your Gain
We calculate your exact profit, deducting all allowable buying, selling, and improvement costs.
2
Apply Tax Reliefs
We identify and apply every legal relief available to you to bring your final tax bill down.
3
Submit to HMRC
We file the paperwork through the correct portal and tell you exactly what to pay and when.
Frequently Asked Questions
How much is the CGT allowance for 2025/2026?
The annual exempt amount for individuals is £3,000. Trusts have a lower allowance of £1,500. You do not pay any CGT if your total gains for the tax year fall under this threshold.
Do I pay Capital Gains Tax when selling my main home?
Usually, no. Private Residence Relief (PRR) exempts your main home from CGT. However, you may face a tax bill if the property has grounds larger than 5,000 square metres, you used part of it exclusively for business, or you rented it out.
What is the CGT rate on buy-to-let properties?
For the 2025/2026 tax year, basic rate taxpayers pay 18% on residential property gains. Higher and additional rate taxpayers pay 24%.
Do non-UK residents pay tax on property sales on UK property?
Yes. Non-UK residents must report and pay CGT on sales of UK land or property. You must report the sale within 60 days, even if you have no tax to pay or make a loss. Learn more about Non-Resident accounting.
Do I pay Capital Gains Tax on cryptocurrency?
Yes. HMRC treats Bitcoin and other cryptoassets as investments. You must pay Capital Gains Tax on your profits when you sell, trade one cryptocurrency for another, or use crypto to pay for goods or services.
What allowable expenses can I deduct to reduce my CGT bill?
You can deduct costs directly related to buying, selling, or improving the asset. For property, this includes solicitor fees, estate agent fees, Stamp Duty, and costs for major improvements like an extension. You cannot deduct general maintenance costs.
IBISS Offices Location
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Confused Where To Start?
Schedule a Free 15-minute discovery call by providing your contact details, mentioning your requirements, and selecting a convenient date for the call.
How our discovery call works:
- Complete Our Contact Form
- Discovery Calls Scheduled
- Receive a Tailored Proposal
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IQBAL ZAFAR
I have been IBISS & CO client for past 7 years. Their team is professional and proactive who assist me in filing my overseas and UK tax disclosure.
Ahmed Hussain
I’ve used them for the past few years now and I am very satisfied with their services. The staff are very amicable as well. Definitely recommend them.
Stephen Hudson
The response of IBISS and Co to my tax problem was rapid and professional. The advisor understood the problem and recommended
Andrea Callegari
Excellent service! Provided a clear explanation to my matter in a timely manner. Very helpful and polite. Highly recommend.
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Sarah Thompson
Working with IBISS & CO was a game-changer for our business. Their insightful advice and thorough analysis led to significant financial growth. Outstanding service!
Michael Reynolds
IBISS & CO exceeded expectations with their professional and strategic approach. They understood our needs and delivered results beyond our expectations. A reliable partner in finance.”
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“IBISS & CO’s financial planning transformed our portfolio. Their team’s dedication and deep market knowledge ensured we made the best decisions. A trusted partner for financial success.”
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IBISS & CO provided outstanding service, handling our project with precision and care. Their expertise made a significant difference, ensuring we achieved our goals efficiently.”
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Partnering with IBISS & CO was a game-changer. Their dedication to excellence and proactive approach led to exceptional outcomes. Highly recommend them for any business endeavor.”
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IBISS & CO exceeded expectations. Their professional team delivered top-notch results, staying committed to our needs throughout. A trusted partner in every sense.”
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