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But most of the time it’s where you live where you pay tax. We’re you living in the UK at the time?

One point something, can’t remenber exactly. I’ll look when I’m back home.

I have a 40 year mortgage over here, fixed for the first 10 years.

I appreciate it’s from 5 years ago but I think the point still stands. In my reply to the aggressive cjd I posted a link to a more recent article which also mentions how lenders get info from local authority landlord licenses. Point taken about @Trigaaars situation though.

Have they now stopped? Or do you think they might just still be doing this? I don’t think they just stopped when it turned 2014. It’s still relevant. Here’s one from 2017 if you are struggling with this idea...

https://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/10418580/Lenders-crack-down-on-accidental-landlords.html “Mortgage lenders are launching a tough new crackdown on thousands of so-called "accidental landlords" who let out their own homes without notifying their bank.”

Well, the freeholder has offered us the freehold and suggested the price will be halfway between their estimate and ours as a starting point for negotiations. I’ll only pay what I think it’s worth..

Whilst on the subject of leases and freeholds can anyone recommend a surveyor in Brighton to value a freehold price? I’ve been quoted 900 which seems a bit steep.

I’m surprised that the lease is so much.

Best to ask an accountant. I’m not sure about self-assessment but I once had a significant business expense which I forgot about for 3 years and was able to set it off from my company tax.

Better point.

Good point.

By then Corbyn will be running the nation; he doesn’t like BTL landlords.

Property.

Quite. I understand you will need to sell it to the business at the going market rate. So you’ll have the fees for selling it and then buying it plus possible capital gains.

Quite. I’m struggling to see why it’s beneficial.

If you have the cash to pay down the mortgage monthly, why is it better to put it in an ISA? I would have thought paying down the mortgage, and in turn slowly reducing your interest payments, would be better? Are you assuming the ISA interest is greater than the mortgage interest payment reductions?

Aggressive passive aggressive.....I’m loving this thread.

Excellent work.