Official answer
How can I compare different property tax routes before I act?
Compare each proposed sale or transfer owner by owner and tax year by tax year, using the same purchase evidence, costs and occupancy history. mypropclear applies published HMRC rules to each route, shows the calculation ledger and flags situations—such as trusts, non-residence or connected-party gifts—that need specialist advice.
The planner is decision support, not a substitute for HMRC clearance or regulated tax advice.
Guidance checked 10 September 2026. Exact sources are listed below.
Free planning preview
Property tax planning, with the trade-offs exposed.
Model sales, spouse transfers, gifts and separate disposals across up to ten tax years. Every number is deterministic, every rule links to official guidance, and specialist cases are clearly stopped.
Illustrative comparison
4 routes
Direct sale · spouse review · separate disposals · family gift
No unsupported average-saving claim. Your result depends on entered evidence.
Pro feature
Stamp duty, rental income and capital gains calculations
This is included in Pro — £9.99 per month. The official data behind it is unchanged; the plan covers the work mypropclear does with it.
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People also ask
Can transferring a property to a spouse reduce tax?
Transfers between spouses or civil partners living together are normally made on a no-gain/no-loss basis, but later disposal calculations inherit relevant historic costs. Mortgage debt, separation, SDLT and other facts can change the outcome.
Are gifts of property tax-free?
A gift is not automatically tax-free. For Capital Gains Tax, transfers to connected people are generally treated at market value, while Inheritance Tax and Stamp Duty issues may also arise.
Can I compare sales across several tax years?
Yes. The planner can place disposals in different tax years and compare the owner-level result, while clearly showing the assumptions and the HMRC rule version used.
Official sources
Source guidance verified 10 September 2026. Availability and effective dates remain subject to the linked official publication.