47,500+ Filed Self Assessment Tax Return

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Swift Accountants

Expert Capital Gains Tax Services in the UK

Navigate Capital Gains Tax with Confidence—Expert Advice Tailored to Your Needs

Experience the peace of mind that comes with expert income tax management. Swift Accountants is here to help you simplify the complex and secure your financial future.

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Simplifying Capital Gains
Tax Liabilities

Capital Gains Tax (CGT) can be a complex and daunting aspect of personal finance.

At Swift Accountants, we are committed to helping you understand and manage your capital gains tax liabilities effectively. Our team of expert tax advisers simplifies the complexities, providing you with tailored advice and guidance at every stage.

With our personal accountant services, you can make informed decisions and keep more of your hard-earned money.

At Swift Accountants, we combine expertise, dedication, and a client-centred approach to deliver top-notch capital gains tax services.

Our commitment to excellence ensures that you receive the support you need to navigate complex tax matters confidently.

Understanding Capital Gains Tax Liabilities

What is Capital Gains Tax?

Capital Gains Tax is a tax on the profit (gain) when you sell or dispose of an asset that has increased in value. It's the gain you make that's taxed, not the amount of money you receive.

Identifying Your CGT Liabilities

You may be liable to pay CGT on gains made from the sale or disposal of certain assets, including:

  • Your Home: If not fully covered by Private Residence Relief.
  • Additional Residential Properties: Such as inherited properties, second homes, or buy-to-let properties.
  • Shares and Investments: Excluding those held in an Individual Savings Account (ISA) or Personal Equity Plan (PEP).
  • Commercial Properties: Offices, retail spaces, or industrial units.
  • Business Assets: Including goodwill, fixtures, and intellectual property.
  • Personal Possessions Over £6,000: Such as art, antiques, or jewellery (excluding your car).
  • Cryptocurrencies: Gains from selling Bitcoin, Ethereum, and other digital currencies.
  • Collectibles: Valuable stamps, coins, or wine collections.
  • Foreign Assets: Properties or investments located outside the UK.

Exempt Assets

Some assets are exempt from CGT, including:

  • Your Car: Private vehicles are generally exempt.
  • Personal Belongings Under £6,000: Items like furniture or appliances.
  • Gifts to Spouses or Civil Partners: Transfers between spouses are usually exempt.
  • ISAs and PEPs: Investments held in these accounts are tax-free.

Minimising Your Capital Gains Tax Liabilities

Utilising Annual Exemptions

  • Maximise Allowances: Each individual has an annual CGT allowance (£12,300 for the tax year 2021/22). We help you plan disposals to make the most of this exemption.

Strategic Asset Disposal

  • Timing Sales: Advising on when to sell assets to reduce tax liabilities.
  • Spousal Transfers: Transferring assets to a spouse to utilise both allowances.
  • Bed and Spouse Strategy: Selling assets and repurchasing in a spouse's name.

Claiming Available Reliefs

  • Private Residence Relief: Reducing CGT when selling your main home.
  • Business Asset Disposal Relief: Formerly Entrepreneurs' Relief, reducing tax on qualifying business disposals.
  • Investors' Relief: Lowering CGT on shares held in unlisted trading companies.

Loss Offset

  • Utilising Losses: Offsetting capital losses against gains to reduce taxable amounts.
  • Carry Forward Losses: Advising on carrying losses to future tax years.

Tax-Efficient Investments

  • Enterprise Investment Scheme (EIS): Deferring CGT by investing in qualifying companies.
  • Seed Enterprise Investment Scheme (SEIS): Offering CGT reliefs for investing in start-ups.
  • Social Investment Tax Relief (SITR): Reducing CGT through social enterprise investments.

Estate Planning

  • Gifting Assets: Transferring assets as part of inheritance tax planning.
  • Use of Trusts: Placing assets in trusts to manage future CGT liabilities.

Our Comprehensive Capital Gains Tax Services

Personalised CGT Advice

Asset Evaluation: Assessing your assets to determine potential CGT liabilities. Tailored Strategies: Developing plans suited to your financial goals.

Education and Support

Client Education: Helping you understand CGT implications of financial decisions. Regular Updates: Informing you of legislative changes affecting CGT.

Business Exit Strategies

Business Asset Disposal Relief: Advising on qualifying for relief when selling your business. Succession Planning: Structuring business transfers to minimise CGT. Valuation Services: Providing accurate business valuations for tax purposes.

Compliance and Reporting

Calculating Gains: Accurately computing taxable gains. Filing Returns: Ensuring timely submission of CGT reports to HMRC. Payment Assistance: Advising on payment deadlines and methods.

Real Estate CGT Planning

Property Disposal Strategies: Advising on the sale of residential and commercial properties. Private Residence Relief Maximisation: Ensuring you claim all available reliefs on your main residence. Second Homes and Buy-to-Let Properties: Specialised advice on reducing CGT liabilities on additional properties.

International CGT Considerations

Non-Resident CGT: Advising on CGT implications for non-residents disposing of UK property. Double Taxation Agreements: Navigating tax treaties to avoid double taxation. Expatriate Tax Planning: Assisting UK nationals living abroad with their CGT obligations.

HMRC Liaison

Representation: Acting on your behalf in communications with HMRC. Dispute Resolution: Assisting in resolving any issues or disputes.

Share and Investment Portfolio Management

Portfolio Review: Assessing your investment portfolio for potential CGT exposure. Bed and ISA Planning: Strategies to move investments into tax-efficient wrappers. Timing of Disposals: Advising on the optimal time to sell shares and investments.

Life Events and CGT

Divorce or Separation: Advising on CGT implications during asset division. Inheritance and Estate Planning: Integrating CGT planning with inheritance tax strategies. Retirement Planning: Helping you manage CGT when accessing pension funds or selling assets.

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Experience the difference of working with a firm that puts your financial well-being first. Let's build a prosperous future together.

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Why Choose Swift Accountants for Capital Gains Tax Services?

Expert Tax Advisers

Our team comprises highly skilled and experienced tax advisers who:

  • Stay Up-to-Date: Continuously monitor changes in tax legislation to provide the most current advice.
  • Personalised Strategies: Tailor solutions to your unique financial circumstances and goals.
    • Holistic Approach: Work in conjunction with our wealth planning department to offer comprehensive services.

Comprehensive Tax Planning

We offer in-depth knowledge of tax rules and regulations to:

  • Identify Tax Opportunities: Spot potential tax savings and efficiencies.
  • Help Avoid Pitfalls: Assist you in steering clear of common tax mistakes and penalties.
  • Help Avoid Pitfalls: Assist you in steering clear of common tax mistakes and penalties.

Simplifying the Complex

We are dedicated to:

  • Cutting Through the Jargon: Explaining tax matters in clear, understandable language.
  • Providing Clarity: Giving you a comprehensive view of your tax affairs.
  • Empowering You: Helping you make informed decisions about your financial future.

Tailored Services

Our advice is:

  • Customised: Based on your personal circumstances and financial objectives.
    • Holistic: Considering all aspects of your finances for a complete strategy.
  • Flexible: Able to adapt as your situation or tax laws change.

Proven Track Record

We have:

  • Decades of Experience: Successfully helping clients manage their income tax.
    • Satisfied Clients: A strong reputation for delivering excellent service.
    • Expertise Across Sectors: Serving individuals from various professions and industries.
  • We Listen - Your goals, concerns, and unique business needs are our top priority, and we start by understanding your vision, so we can guide you in the right direction.
  • We Understand – With years of experience and a deep commitment to helping clients succeed, we understand the challenges you face and know how to navigate them effectively.
  • We Deliver – Swift solutions tailored to you. Every interaction brings you closer to tax relief, financial clarity, and peace of mind.
  • UK-Based Chartered Accountants - Our team comprises fully qualified and experienced chartered accountants based in the UK. We have an in-depth understanding of HM Revenue & Customs (HMRC) regulations and the UK tax system, ensuring you receive accurate and compliant advice.
  • Personalised Approach - We recognise that every client is unique. Our personalised services are designed to meet your specific needs, providing bespoke solutions that maximise your financial benefits.
  • Decades of Experience - With decades of combined experience, our accountants have the expertise to navigate even the most complex tax situations, offering you peace of mind.
  • Up-to-Date Knowledge - We stay current with the latest tax laws, legislation changes, and industry best practices to provide you with the most relevant and effective advice.
  • Transparent Pricing - Enjoy competitive and transparent pricing with no hidden fees. Know exactly what you're paying for with our clear and straightforward pricing structure.
  • Cutting-Edge Online Portal - Manage your tax affairs conveniently through our secure online portal. Access your financial information anytime, anywhere.
  • Exceptional Client Satisfaction - Our commitment to excellence is reflected in our 98.7% client retention rate. We build lasting relationships based on trust and outstanding service.
  • Convenient Online Tax Management - With our personal accounting services, you can bring together all of your tax information in one secure online portal. This system allows you to: Register, File, and Pay Taxes Online: Handle all your tax-related tasks quickly and efficiently. Update Tax Information Anytime: Make changes as your circumstances evolve. Access Anywhere, Anytime: Manage your tax affairs at your convenience, 24/7.

Ready to Take the Next Step?

Choosing Swift Accountants means choosing a partner dedicated to your success. Let's work together to make your journey smoother and more profitable.

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Client Testimonials

All the team at swift accountants are work tirelessly to help. Hayley especially has been excellent in clearing a tax misshap we experienced. We highly recommend swift accountants. 5 STARS 🌟 🌟🌟🌟🌟
Keith Jones
Keith Jones
I have been using swift accounts for a few years now, they have been brilliant in assisting me as my business is slowly growing with expert advice, would highly recommend.
Jak K.
Jak K.
First year of being self employed and Swift Accountants have been fantastic with me. They have been so helpful and have made the process very simple! Highly recommended!
Olivia Grant
Olivia Grant
Gemma was really helpful and informative. She always took the time to ensure I knew what the process was and guided us through everything we needed.
Gemma Karalius
Gemma Karalius
Absolutely recommend Hayley she has been brilliant very professional in her job and very knowledgeable nothing is to much trouble
Tracey Woods
Tracey Woods
Very efficient and friendly service. I’ve used this company for many years. Would definitely recommend.
Simon Ithell
Simon Ithell
We have always had good support from Swift Accountants and would highly recommend them especially impressed with Gemma and Hayley. Thank you and keep up the excellent service.
Carl Blythen
Carl Blythen
So pleased with Rob and his team at Swift accountants always helpful and professional very prompt service either by phone or email We know we can trust them with all our Tax affairs
David Roberts
David Roberts

Our Proven Process: Partnering for Your Success

At Swift Accountants, we believe that a strong partnership begins with a clear and transparent process. Our goal is to make your experience seamless, reassuring, and results-driven. Here's how we work with you to deliver exceptional accounting services that empower your business.

Initial Consultation

We start by getting to know you and your business intimately. Discovering Your Vision And Identifying Opportunities. Our team analyses your current financial situation to uncover areas where we can add significant value.
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Direction Arrows
Step 1

Customised Proposal and Egagement

Based on our initial consultation, we develop a bespoke package of services that align perfectly with your needs. We believe in honesty and clarity when it comes to fees. We finalise our agreement to begin our journey together.
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Direction Arrows
Step 2

Seamless Onboarding and Setup

We handle the heavy lifting to get everything set up quickly and accurately. We integrate your financial data into our advanced accounting platforms. We introduce you to the professionals who will be working closely with you.
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Direction Arrows
Step 3

Ongoing Support and Proactive Communication

We schedule consistent updates to keep you informed and ahead of the curve. Our experts don't wait for issues to arise—we anticipate them. We're always here when you need us.
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Step 4

Ready to Transform Your Business Financially?

At Swift Accountants, our streamlined process is designed with one goal in mind: your success. We're more than just accountants—we're your strategic partners committed to helping you achieve your business objectives.

Imagine the impact of having expert financial guidance tailored specifically to your needs.

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How We Can Support Your Business

Starting a Business

Embarking on a new venture is both exciting and daunting. We assist entrepreneurs in: Business Planning, Legal Structure Advice, Regulatory Compliance, Financial Setup.
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Acquiring a Business

Purchasing an existing business can accelerate your entrepreneurial journey. We help you with: Due Diligence, Valuation Services, Negotiation Support, Integration Planning.
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Growing Your Business

Scaling your business requires strategic planning and effective execution. Our expertise includes: Strategic Growth Planning, Financial Management, Raising Capital, International Expansion.
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Succession Planning

Preparing for the future leadership of your company is crucial. We offer: Leadership Development, Ownership Transition, Tax-Efficient Strategies, Business Valuation.
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Exiting a Business

When it's time to move on, we guide you through: Exit Strategy Development, Financial Planning, Legal Compliance, Emotional Support.
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Selling Your Business

Achieve the best possible outcome with our support in: Market Positioning, Buyer Identification, Deal Negotiation, Transaction Management.
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"We Care, You Prosper"

Frequently Asked Questions

FAQs - Frequently Asked Questions

  • 1. What is the current annual CGT allowance?
    For the tax year 2021/22, the annual CGT allowance is £12,300. This means you can make gains up to this amount before paying any tax. We ensure you maximise this allowance effectively.
  • 2. How much is Capital Gains Tax?
    The CGT rate depends on your income and the type of asset sold: Basic Rate Taxpayers: 10% on most assets, 18% on residential property. Higher/Additional Rate Taxpayers: 20% on most assets, 28% on residential property.
  • 3. Can I reduce my CGT by reinvesting gains?
    Yes, certain investments like EIS or SEIS allow you to defer or reduce CGT when you reinvest gains into qualifying schemes. We can advise on suitable options.
  • 4. Do I need to report if my gains are below the allowance?
    You may still need to report to HMRC if the total value of assets sold exceeds four times the annual allowance or if you have registered losses to claim.
  • 5. How can Swift Accountants help with CGT on inherited property?
    We provide guidance on the tax implications of selling inherited property, including calculating gains based on the property's value at the date of inheritance.
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Where You can Find Us:

Chester Office

3 Chowley Court,
Chowley Oak
Tattenhall,
CH3 9GA

Warrington Office

The Brew House,
Greenall's Avenue,
Warrington,
WA4 6HL

Contact Us:

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