Specialist services:
The purchase, development and sale of land and property can be a complex and costly business and one in which the services of a trusted professional adviser is crucial.
Whether you are looking to buy or sell land, develop property or invest in a private rental portfolio, we have a team of specialists who have been selected from across our business for their experience in the sector and who are ready to help you with all aspects of your financial and business affairs.
Our land and property team includes tax, accountancy, insurance and financial planning professionals who have extensive expertise and knowledge of trends in this sector. We have individual specialists in challenging areas such as Stamp Duty Land Tax and property insurance. Our clients include private individuals, limited companies, landed estates, institutions, charities and public organisations.
Meet our team
Tax Advice
With the significant rise in land and property values over recent years, property taxes have become an increasingly important source of revenue for the Government. The rise of buy to let landlords and foreign property ownership has also driven a number of politically motivated tax changes. This has resulted in a raft of complex tax legislation and rules specifically focussed on property.
Our team of advisers can support and help you through this raft of tax legislation when undertaking a property transaction whether this be a property acquisition, a sale of property, entering into a lease or undertaking property development activities. The range of taxes which we regularly advise upon include:-
We are also happy to work closely with other advisers which you engage with in property transactions such as property lawyers, surveyors and land consultants.
Find out more about our tax services.
Accountancy
The maintenance of accurate, up to date financial information is critical for any business within the property development sector. Our experienced business advisory team can assist with all aspects of this including:
Find out more about our Business Advisory services.
Insurance – Private Investor
As the landlord of a buy-to-let property it is critical that you have the right insurance in place; a standard home policy is not adequate. Your tenants will need to arrange for their own contents insurance, but as the property owner you must have landlord insurance cover. If your property sustains damage through circumstances such as fire, flood, burst pipes or subsidence then you as the landlord are likely to have to pay the bill.
You will also need specific insurance cover if you are leasing a business or commercial property.
Complete protection
Our insurance advisers can explain the different insurance covers that are available to you and can help you decide which one is appropriate for you.
These can include:
• Buildings cover – this covers the structure and fabric of the property and includes walls, doors, gates, drives, paths and outbuildings
• Contents cover – if you are letting a property as furnished or part furnished, you will need to ensure you have cover for items such as carpets, curtains, and white goods such as washing machines. Contents cover does not cover property belonging to the tenant
• Loss of rent cover – if your rental property is damaged or uninhabitable through ‘insured peril’ such as fire or flood. You should consider this cover if your property is damaged or uninhabitable through ‘insured peril’ such as fire or flood, to meet any shortfall if the property cannot be rented out whilst repairs are being undertaken
• Property owners’ liability for compensation and third party legal expenses – a flexible option which is usually up to £2,000,000 with the option to extend to £10,000,000
• Legal advice – access to a 24 hour legal helpline for advice when you need it
Additional coverage
Different policies will offer varying degrees of protection, with optional added coverage depending on the type of property you own.
Optional extras can comprise:
• Accidental damage cover – to cover repairs to structure, fixtures and fittings
• Loss of rental income – if your tenants miss payments
• Specific leaseholders – such as professionals, students, local authority tenants
• Subsidence – ground heave and landslip cover
• Terrorism cover – particularly if your property is located in or near a city centre
Property portfolios
Multiple property ownership can bring additional complexities, and it can be difficult to arrange insurance for each property. Our insurance professionals can source specialist coverage for property portfolios such as:
• Single policy with one renewal date
• Cover for properties in between tenants and unoccupied properties
• Flexibility to add or remove properties within your portfolio
We regularly work on projects with property professionals such as surveyors and law firms, and enjoy taking a collaborative based approach.
If you require property / household insurance for yourself visit our private client page to find out how we can help you.
Relax in the knowledge that you supported
Keeping your business moving
We care because you do
Building a better business future
Supporting you, supporting growth
In the knowledge you’re in safe hands
Developing with you
For innovative business
We’re a friendly, independent and professional team of accountants, auditors, tax advisers, insurance brokers, corporate finance specialists, business advisers and so much more.
Business Advisory Partner
Nick is a Business Advisory Partner and the firm’s Finance Partner, heading up the finance team and lead partner for the Farm and Estates advisory team.
Business Advisory Partner
James is a Business Advisory Partner, advising a range of businesses on their growth and development.
Business Advisory Partner
Ben is a Partner in our Ipswich Business Advisory team.
Managing Partner
Jason specialises in business, corporate and personal taxation.
With offices in Bury St Edmunds, Colchester and Ipswich, we’re close enough for personal meetings with clients from anywhere across the East of England. Got something on your mind? We’ll be happy to listen and give you our thoughts.
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