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- Capital Gains Tax Advisor: You’ve Made the Sale. Now It’s Time to Play Defence
Capital Gains Tax Advisor: You’ve Made the Sale. Now It’s Time to Play Defence
If you’re sitting on a profit from a property disposal, shareholding exit, crypto liquidation, or company sale, there’s no “maybe” about it: HMRC wants their share. And they’re not casual about how they get it.
Pearl Lemon Tax exists to help you keep more of your money where it belongs — on your side of the table. We work with landlords, high net-worth individuals, investors, and business owners facing complex Capital Gains Tax liabilities who can’t afford guesswork.
We understand what’s at stake. And how expensive mistakes become. Our role is to prevent those errors from happening.
Our Services
The tax office doesn’t wait around. There’s a 60-day reporting deadline on UK residential property disposals. Cryptocurrency sales now fall under scrutiny. And if you’ve got a portfolio of assets across different countries, welcome to the compliance maze.
We don’t offer speculation. We offer direction.
Capital Gains Tax Reporting & Compliance
We calculate and report Capital Gains Tax obligations accurately, including:
- Filing within the 60-day window for residential property sales
- Section 104 Pool calculations for shares
- Applying Private Residence Relief (PRR), Lettings Relief, and Annual Exempt Amounts
- Matching rules under TCGA 1992 (same-day, 30-day bed and breakfasting)
Why it matters:
Errors lead to penalties starting at £100 and going up to 30% of the tax owed, plus interest. One wrong entry and the price of “DIY” advice grows quickly.
Capital Gains Planning Before Disposal
You don’t reduce tax after the sale — you reduce it beforehand. We guide:
- Share disposals aligned with tax thresholds
- Married couple inter-spousal transfers (under S58 TCGA 1992)
- Asset disposal spreading across tax years.
- Use of hold-over relief, rollover relief, gift relief
Why it matters:
We helped a client save over £38,000 by moving his sale 11 days later, which placed the gain into the next tax year and doubled the available allowances.
Non-Resident CGT (NRCGT) Advisory
Selling UK assets while abroad? You’re still taxed here. We help:
- Declare UK-situated assets under the NRCGT regime
- Set up ownership to benefit from treaty terms.
- Prevent double taxation through DTA claims.
- Use rebasing (April 2015, April 2019) for lower tax figures.
Why it matters:
Non-residents who miss the 60-day filing window face automatic penalties starting at £100 and increasing. We make sure that doesn’t happen.
Crypto Capital Gains Tax Services
Crypto is taxed like property, not currency. We:
- Track acquisition and disposal data across wallets
- Deal with DeFi gains, staking rewards, and NFT sales.
- Apply HMRC’s share pooling rules to crypto.
- Clarify “hard fork” events and airdrop rules.
Why it matters:
One client sold £600K in crypto, unaware that staking rewards were taxable. We reprocessed and filed previous returns, lowering the tax bill by over £24K.
Capital Gains on Property Sales
Buy-to-let, second homes, inherited property, joint ownership — we:
- Split gains between co-owners
- Apply PRR based on occupancy.
- Include improvement and transaction costs.
- Use SDLT records to validate valuations.
Why it matters:
Valuing improvement work properly can cut 15–25% off the gain. We document it to hold up in audits.
Capital Gains on Business Disposals
Selling shares or company assets? We:
- Apply Business Asset Disposal Relief (formerly Entrepreneurs’ Relief)
- Manage Substantial Shareholdings
- Exemption (SSE)Handle Earn-Out Clauses and Deferred Payments
- Calculate holdover relief under s165 TCGA.
Why it matters:
Incorrect use of reliefs like BADR could mean a 20% tax rate instead of 10%. We prepare the correct paperwork from day one.
Capital Gains Tax Disputes and HMRC Investigatio
Already under HMRC scrutiny? We handle:
- Technical appeals under S49A TMA 1970
- Penalty reduction and suspension request
- All HMRC letters and compliance checks
- Backdated returns and disclosures
Why it matters:
Our approach shortens the average case time by 42%. Quicker resolution = fewer sleepless nights and lower fines.
UK-International Asset Structuring
Own property or investments across borders? We:
- Arrange ownership to reduce CGT with double taxation rules
- Use remittance rules when relevant.
- Apply foreign tax credits correctly.
- Handle trust and company ownership of UK assets.
Why it matters:
A client with offshore-held UK property risked double taxation. We restructured his holdings and reduced the exposure by £76,000.
Book a Call – We’ll explain what you owe and how to reduce it legally.
Why Choose Us
You’re not a spreadsheet. You’re not a tax form. And your financial decisions weren’t made using a generic calculator. So why trust the fallout to someone who sees you as just another figure?
We’ve helped private clients reduce or delay Capital Gains Tax bills by six figures — legally, ethically, and without shortcuts. We know the law. And we know how to use it to your benefit.
When a sale could create a tax liability worth tens (or hundreds) of thousands, don’t risk vague advice.
Frequently Asked Questions
We use HMRC’s share pooling rules to compute average acquisition costs. For over 1,000 transactions, we use API-connected software (CoinTracking, Koinly) for accuracy.
Yes. UK residential property disposals must be reported within 60 days — even if there’s no tax due. Penalties apply for non-reporting.
Not reliably. We help rebuild records using bank statements, emails, or comparison valuations.
Holdover Relief under s165 TCGA can delay the tax, but the recipient takes on your cost base — important for planning.
Default is 50/50, but Form 17 lets us adjust based on contributions. Requires a trust declaration.
UK assets are still taxable here. If you’re temporarily non-resident, anti-avoidance rules may still apply.
A late return results in a £100 fine. After 6 months, daily fines or 5% of the tax owed may be added.
This Isn’t About Advice. It’s About Accuracy.
You didn’t build wealth to guess your way through taxes. If you’re serious about protecting it, act before the consequences find you.
Schedule a Consultation – Let’s figure it out before HMRC does.
We’ll show you what you need to know — and if there’s a way to save money, we’ll show that too.
