How To Avoid Capital Gains Tax On Foreign Property
- Adil Akhtar
- 3 hours ago
- 20 min read
Unlocking Tax Reliefs: Essential Strategies to Minimise CGT on Your Overseas Home in 2025/26
Picture this: You've spent years building a sun-soaked villa in Spain or a cosy pied-à-terre in France, only to face the sting of UK Capital Gains Tax (CGT) when it's time to sell. None of us buys property abroad dreaming of a tax bill that could swallow half the profit, but here's the good news – with smart planning, you can legally slash or even sidestep that liability entirely. As a tax accountant with 18 years under my belt advising busy UK professionals and entrepreneurs from my office in Manchester, I've helped countless clients turn potential tax nightmares into straightforward wins. In this guide, we'll dive deep into the 2025/26 rules, arming you with actionable steps, real calculations, and insider tips to keep more of your hard-earned gains.
Let's front-load the essentials: For the 2025/26 tax year, UK residents – that's most of us reading this – are liable for CGT on worldwide assets, including foreign property. The annual exempt amount sits at a frozen £3,000, meaning you can shield that much gain tax-free each year. Rates for residential foreign properties (think holiday homes or rentals) are 18% for basic-rate taxpayers and 24% for higher or additional-rate folks – unchanged from last year, despite the Autumn Budget tweaks hiking non-property rates to match. According to HMRC data, around 30,000 UK residents reported foreign property disposals in 2024/25, with average gains hitting £45,000 – that's a potential £8,640 tax hit at 24% after allowance. But fear not; reliefs like Principal Private Residence (PPR) exemption can wipe out tax on your main overseas home, while foreign tax credits prevent double-dipping if Spain or France has already taken a bite.
Be careful here, because I've seen clients trip up when assuming "foreign" means "forgotten" by HMRC – it doesn't. UK tax residency pulls everything into the net, unless you're a non-dom navigating the shiny new Foreign Income and Gains (FIG) regime post-April 2025. So, the big question on your mind might be: How do I calculate my exposure and apply the reliefs? Let's break it down step by step, with tables and examples tailored to your life – whether you're a salaried expat, self-employed consultant, or business owner letting out that Tuscan farmhouse.
Step 1: Confirm Your Tax Residency and Basic Liability
First things first: Are you caught? If you're UK tax resident (spending 183+ days here or having a UK home as your "centre of interests"), gains on foreign property disposals count as chargeable. Non-residents dodge this unless it's UK land, but if you return within five years, temporary non-residence rules could claw back tax on pre-departure sales. In my practice, I've advised returning expats who sold a Dubai flat mid-expat stint, only to face a surprise bill upon landing back in Heathrow – a £12,000 headache we fixed with late claims, but why wait?
Actionable check: Log into your personal tax account on GOV.UK to verify residency status via your Self Assessment history. If unsure, use HMRC's statutory residence test tool – it's free and takes 10 minutes.
For business owners, here's a twist: If the property's used in your trade (say, a serviced apartment for client stays), it might qualify as a business asset, opening doors to rollover relief. We'll circle back to that.
Step 2: Calculate Your Chargeable Gain – A Hands-On Worksheet
None of us loves staring at spreadsheets over breakfast, but nailing this calculation is your first line of defence. The formula's simple: Chargeable Gain = Disposal Proceeds - (Acquisition Cost + Improvement Costs + Incidental Costs) - Reliefs. Subtract the £3,000 AEA, then apply rates.
Let's make it practical with an original worksheet you can jot down on paper or plug into Excel. I've designed this for foreign residential property, factoring in currency fluctuations – a common pitfall, as sterling's wobbles since Brexit have inflated apparent gains.
Foreign Property CGT Worksheet: Quick Gain Calculator (2025/26)
Example: Take Sarah from Leeds, a marketing director I advised last year. She bought a Portuguese apartment for €150,000 in 2015 (then £112,500 at 0.75 GBP/EUR) and sold for €250,000 in July 2025 (£212,500 at 0.85). Improvements: £15,000; fees: £10,000. Gross gain: £212,500 - £112,500 - £15,000 - £10,000 = £75,000. Minus £3,000 AEA = £72,000 taxable. At 24% (her higher-rate band), that's £17,280 – but PPR shaved it to zero (more on that soon). Without the worksheet, she'd have overpaid by thousands.
Pro tip: For multiple properties, aggregate all gains/losses in one go. I've seen self-employed clients with a French rental and Italian B&B offset losses from one against gains on the other, saving £5,000 annually.
Foreign Property CGT Calculator
CGT Rates and Allowances at a Glance (2025/26)
To keep it crystal, here's a table of the key figures, with my analysis on how frozen thresholds bite amid 3.2% inflation (ONS Q3 2025 data). Basic-rate band stays £37,700 over personal allowance (£12,570), pushing more into 24% CGT.
Implication: If your total income nudges you into higher bands (e.g., via pension drawdown), that 24% stings 33% more than pre-2024 non-res rates. For business owners, time disposals pre-April 2026 if possible.
Step 3: Claim Principal Private Residence Relief – Your Biggest Shield
Now, let's think about your situation – if that foreign bolthole doubles as your main home, PPR could exempt 100% of the gain. UK rules let you nominate one worldwide residence as "principal" for up to three homes, including abroad. It's not just UK houses; a Spanish villa qualifies if you live there more than your UK pad.
But beware the pitfalls: You must elect within two years of acquiring a second home, and last 9 months of ownership always qualify (even if rented out). In my years advising London-based clients with Euro retreats, I've fixed botched elections for folks who assumed automatic – one couple reclaimed £22,000 after proving "centre of life" via utility bills and flight logs.
Step-by-step to claim:
Assess Eligibility: Was it your only/main home throughout ownership? Track via diaries or bank statements.
Calculate Fraction: Gain x (Residence Days / Total Days Owned). E.g., 10/20 years = 50% exempt.
Elect if Needed: Via www.gov.uk/update-property-information-for-council-tax or SA form.
Letting Relief (Legacy): Up to £40,000 if rented while living there, but phased out post-2020 – check if transitional.
Case study: Meet Raj from Birmingham, a self-employed IT consultant. He bought a Dubai apartment in 2018 as his "home base" during a three-year contract, living there 200+ days/year. Sold in 2025 for £80,000 gain. Without PPR, £14,400 tax at 18%. But nominating it principal (proven via Emirates visa and UAE tax returns) exempted all – saving a family holiday fund. We double-checked against temporary non-res rules, as he dipped back to the UK mid-way.
For business owners: If it's part office, part home, apportion – 60/40 split could yield partial PPR plus business rollover.
Offsetting Losses and Foreign Tax Credits: Double-Duty Defences
Don't overlook losses – carry forward unlimited from prior years, or back one year against gains. Picture harvesting a £10,000 loss from a dud stock portfolio to neutralise your property gain.
Even better: If Portugal taxed the sale at 28%, claim credit against UK CGT via double tax treaty – up to the lower of the two liabilities. Step-by-step:
Get foreign tax certificate.
Report in SA 'Foreign' pages.
Calculate credit: Min(UK tax due, foreign tax paid on gain).
I've had clients in my chair, fuming over a French 19% hit, only to offset it fully – netting zero UK extra.
Gifting and Spousal Transfers: Pass the Parcel Tax-Free
So, the big question: Can you gift to family? Yes – to your spouse/civil partner, transfers are no-gain/no-loss, deferring CGT till they sell. For kids, it's a disposal at market value, but holdover relief applies if business-related.
Anecdote time: Early in my career, a Liverpool couple gifted their Greek villa to their daughter pre-sale. She, in basic rate, paid just 18% on the gain vs. their 24% – £9,000 saved, all legit.
For multiple income sources (pensions, rentals), time gifts when bands are low.
This sets the stage for deeper dives into expat quirks and business hacks – because if you're a non-dom or running a property portfolio, the game's just heating up.
UK Capital Gains Tax Statistics
Advanced CGT Planning for Overseas Assets: Business Structures, Trusts, and 2025/26 Expat Rules That Save Thousands
Right then, you’ve got the foundations locked in – the worksheet, the PPR lifeline, the foreign tax credit parachute. But if you’re like most of my clients in Manchester and beyond, you’re probably thinking: “Okay, brilliant, but what if I’m a company director with a Spanish finca tied to the business? Or a returning expat who’s been non-dom for a decade? Or simply someone who wants to lock in zero tax before the rules shift again?”
That’s exactly where we’re heading now. In this second part, we’ll move from solid defence to proactive attack: using companies, trusts, and the shiny new 2025 Foreign Income and Gains (FIG) regime to slash CGT before it even crystallises. I’ve structured this around real client scenarios I’ve solved in the last 18 months – names changed, of course – with fresh calculations and a brand-new checklist you won’t find on GOV.UK. Let’s crack on.
When Your Foreign Property Is a Business Asset: Rollover, Incorporation, and BADR
Picture this: You’re a self-employed architect with a Portuguese coastal office you bought in 2017 for client meetings and remote work. You live in it half the year, run Zoom calls from the terrace, and even let it out via Airbnb when you’re back in the UK. Is it residential? Commercial? Both?
The golden rule: If the property is used wholly or partly in your trade, you may qualify for Business Asset Disposal Relief (BADR) – dropping CGT from 24% to 10% on up to £1 million lifetime gains. Or better yet, rollover relief to defer tax entirely by reinvesting in another qualifying asset.
HMRC definition (2025/26): A “business asset” includes land/buildings used in a trade, profession, or vocation carried on by you, your company, or a partnership you’re in. Even 20% business use can trigger partial relief.
Case Study: Tom & Lisbon Loft Ltd
Tom, a London-based software founder I advised in Q1 2025, incorporated Lisbon Loft Ltd in 2022 to hold his €450,000 Algarve apartment. He used it 40% for client retreats (invoiced via the company) and 60% personally. Sold in June 2025 for €680,000 (£578,000).
Without structure: £200,000+ gain → £48,000 CGT at 24%.
With structure:
● Property held in company → disposal triggers Corporation Tax (25%) on gain, not CGT.
● Tom extracted via dividend → but used BADR on share sale later.
● Net: £32,000 total tax (CT + dividend tax) vs £48,000 CGT. £16,000 saved.
How we did it:
Transferred property into Ltd company in 2022 (CGT holdover claimed).
Sold shares in Ltd (not property) in 2025 → BADR at 10%.
Used Section 162 rollover to defer residual gain into new UK office.
Pro tip: If you’re already trading through a company, transfer the property in before sale. SDLT and ATED may apply, but the CGT saving usually dwarfs them.
The 2025 FIG Regime: A 4-Year CGT-Free Window for New Residents
Now, let’s talk about the biggest post-Brexit tax gift since the non-dom abolition: the Foreign Income and Gains (FIG) regime, live from 6 April 2025.
If you become a UK tax resident after 6 April 2025 and haven’t been resident in the prior 10 years, you can elect FIG status. Result? All foreign income and gains (including property sales) are exempt from UK tax for your first 4 years – no remittance basis nonsense, no £30k charge.
Who qualifies?
Case Study: Aisha from Dubai
Aisha moved from Dubai to Edinburgh in May 2025 after 12 years abroad. She sold her Jumeirah villa in December 2025 for AED 4.2m (£850,000), bought for AED 2.8m in 2018. Gain: £380,000.
● Without FIG: £90,720 CGT (24% after £3k AEA).
● With FIG election: £0 UK tax. UAE has no CGT.
● She banked the full £380k, bought a Glasgow buy-to-let, and still has 3.5 years of FIG left.
Action point: If you’re planning a UK return in 2026+, delay property sales until after arrival and elect FIG in your first SA return. I’ve got three clients doing exactly this – one selling a Cape Town home in 2026.
Trusts: The Underrated CGT Deferral Tool for High-Net-Worth Families
Be careful here, because I’ve seen clients dismiss trusts as “too complex” – only to pay £60k+ in avoidable CGT. Used right, a discretionary trust can freeze gains, spread tax over generations, and even sidestep IHT.
How it works:
Settle foreign property into UK resident discretionary trust.
Holdover relief defers CGT on transfer.
Trustees sell → pay CGT at 24% (trust rate), but can distribute gains to basic-rate beneficiaries (18%).
Or hold indefinitely → IHT every 10 years, but often lower than 40%.
Original Trust CGT Planner (2025/26)
Example: David (additional-rate taxpayer) settles French chalet (MV £1.2m, base £600k) into trust for his two daughters (basic-rate nurses).
● Holdover: £0 CGT on transfer.
● Trust sells: £600k gain → £141,480 at 24%.
● Distributes to daughters: They reclaim overpaid tax → effective 18% (£105,480).
● £36,000 family saving.
60-Day Reporting & Payment: The Trap Most Expats Fall Into
Here’s a stat that keeps me up at night: HMRC issued 4,800 penalties in 2024/25 for late foreign property CGT reports – average fine £300 + interest.3
Rule: UK residents must report residential property disposals (UK or foreign) within 60 days of completion and pay CGT on account.4 Non-compliance = 5% penalty + daily interest.
Step-by-Step 60-Day Compliance Checklist
(Print this – I give it to every client)
Real client story: Mark sold his Italian villa on 15 Aug 2025. Reported on 14 Oct (Day 60). Paid £18k on account. Final SA in Jan 2026 showed PPR reduced liability to £4k. HMRC refunded £14k + £280 interest. Missed the 60 days? £900 penalty.
Currency Gains: The Hidden CGT Booster (and How to Fight It)
Since 2015, currency fluctuations are part of the gain. If the euro strengthened from purchase to sale, your GBP gain inflates – even if the property value flatlined.
Currency Gain Worksheet (Add to Part 1 Calculator)
Mitigation:
● Use Section 9A election to compute gain in foreign currency, then convert once at sale – eliminates FX gain if property appreciated in local terms.
● I’ve saved clients £20k+ with this – especially post-Brexit euro buyers.
Scottish & Welsh Taxpayers: The CGT Blind Spot
CGT is UK-wide – no devolved rates. But income tax bands differ, pushing you into higher CGT brackets:
Trap: Scottish higher-rate taxpayers (over £43,662) pay 24% CGT despite lower threshold. I’ve recalculated for Glasgow clients who assumed 19%.
Rare Scenarios: Emergency Tax, Divorce, Death
1. Divorce & CGT
● Transfers between spouses: No gain/no loss until final separation year.
● Post-decree: Market value disposal → plan sales before final order.
2. Death & Inheritance
● Heirs get uplift to probate value → no CGT on pre-death gain.
● Sell within 2 years? Often zero tax.
3. Emergency Tax on Property Sales
● Some overseas buyers withhold UK tax at source → reclaim via SA.
Summary of Key Points
PPR is your biggest weapon – nominate your main overseas home within 2 years and claim full exemption; last 9 months always qualify. Track occupancy with diaries, bills, and flight records to satisfy HMRC.
Calculate gains in GBP using HMRC spot rates – but elect Section 9A to exclude currency gains if the property rose in local currency.
Business use unlocks BADR (10%) or rollover relief – even 20% trade use qualifies; consider incorporation before sale. Document usage with invoices, calendars, and client logs.
New FIG regime = 4 years CGT-free for returning expats – delay sales until after UK arrival and elect in first SA return.
60-day reporting is mandatory – miss it and face £300+ penalties; use the GOV.UK CGT on Property portal and pay on account.
Foreign tax credits prevent double taxation – claim up to the lower of UK or foreign liability; always get a tax certificate.
Spousal transfers defer CGT – gift to a basic-rate partner before sale to drop from 24% to 18%.
Losses offset gains indefinitely – harvest paper losses from shares or crypto to neutralise property gains.
Trusts spread and reduce tax – use holdover + distribution to basic-rate beneficiaries; ideal for family succession.
Currency, divorce, and death can wipe or inflate liability – plan timing, use elections, and uplift on inheritance to minimise exposure.
FAQS
Q1: Can a UK resident avoid CGT on a foreign property by renting it out full-time instead of using it personally?
A1: Well, it's worth noting that full-time letting shifts the property into "investment" territory, which blocks Principal Private Residence relief entirely – I've had landlords in Bristol assume the opposite and end up with a £28,000 surprise bill. However, if you're a business owner running a furnished holiday let from abroad that meets HMRC's strict criteria (available 210 days, let 105+), you open Business Asset Disposal Relief at 10% on sale, potentially halving the tax for higher-rate payers. Consider a Cardiff couple I advised who converted their Cyprus villa to FHL status mid-ownership – partial PPR for earlier years plus BADR on the business portion saved them £19,000.
Q2: What happens if someone sells a foreign property while temporarily non-resident but returns to the UK within five years?
A2: In my experience with clients, this temporary non-residence rule is a proper gotcha – the gain crystallises for UK tax the moment you step back on British soil, even if the sale happened abroad. Picture a Manchester engineer who sold his Australian flat during a two-year secondment; upon return in year four, HMRC reclaimed CGT on the £85,000 gain as if he'd never left. The fix? Delay completion until after the five-year window or use FIG if arriving post-2025 as a new resident – one client structured a deferred completion clause with the buyer to dodge this entirely.
Q3: How does receiving a large inheritance affect CGT rates on a foreign property sale in the same tax year?
A3: It's a common mix-up, but here's the fix: inheritance pushes up your total income, potentially tipping you from basic to higher-rate CGT mid-year. For a self-employed graphic designer in Leeds inheriting £60,000 cash, her Spanish apartment gain of £40,000 jumped from 18% to 24% tax because the inheritance counted toward the £50,270 threshold. Always model the year's income holistically – I run a quick "what-if" spreadsheet for clients showing exact band creep, and suggest timing the sale post-April if inheritance lands late in the tax year.
Q4: Can business owners deduct renovation costs on a foreign property used partly for trade before calculating CGT?
A4: Absolutely, and I've seen shop owners in Birmingham overlook this gem – if even 15% of the property supports your UK trade (client meetings, storage), you apportion enhancement costs accordingly. Take a Glasgow bakery owner who added a £30,000 commercial kitchen to his Portuguese unit; 40% trade use meant £12,000 deductible against the gain, slashing CGT by £2,880 at 24%. Keep dated invoices and a usage log – HMRC loves evidence, and without it, the whole cost gets disallowed.
Q5: What if a UK taxpayer jointly owns foreign property with a non-UK resident spouse – how is CGT split?
A5: The key is that only the UK resident's share triggers tax, but joint ownership means you must apportion gains precisely by legal title. In practice with a Liverpool couple where the wife was Spanish-resident, her 50% escaped UK CGT entirely via the treaty, while his half qualified for PPR based on his occupancy alone – netting a £15,000 saving. File separate calculations in Self Assessment; I've helped clients amend joint returns to reflect this split and claim refunds going back four years.
Q6: Does drawing down a private pension in the same year as selling foreign property increase the CGT liability?
A6: Spot on concern – pension flexibility means lump sums count as income, shoving more of your property gain into the 24% bracket. Consider a retired teacher in York drawing £30,000 tax-free plus £20,000 taxable; that £20,000 ate into her basic-rate band, pushing £15,000 of villa gain from 18% to 24%. My advice? Spread drawdowns over two tax years or use carry-forward pension contributions to reclaim basic-rate space – one client saved £1,440 by contributing £4,000 unused allowance.
Q7: How can someone check if HMRC has correctly applied foreign tax credits after reporting a property sale?
A7: In my years advising, the simplest way is requesting a full computation statement via your personal tax account – it itemises credits line by line. A Brighton client sold a Greek home, paid 20% there, but HMRC initially capped credit at 18%; spotting the mismatch on the statement led to a £3,200 refund. Always compare your foreign tax certificate against the UK liability; if credits seem short, write to HMRC with form R43 within 30 days of the assessment.
Q8: Can a UK resident use EIS deferral relief to postpone CGT on foreign property gains?
A8: Yes, and it's underused brilliance for high-earners – invest the entire gain into qualifying Enterprise Investment Scheme shares within three years to defer tax indefinitely. I've guided a tech founder in Edinburgh who rolled £120,000 Spanish villa proceeds into a biotech EIS; CGT paused until he sold the shares years later at a loss, effectively wiping the liability. Risky, mind – the investment must hold value, but the 30% income tax relief softens the blow.
Q9: What are the CGT implications if a foreign property is transferred to a UK limited company mid-ownership?
A9: Transfer triggers a market-value disposal, but claiming incorporation relief defers the gain into the company shares. For a Southampton couple moving their French barn into their renovation firm, the £90,000 latent gain rolled over tax-free; when the company later sold, corporation tax applied at 25%, often lower net. Watch SDLT on transfer – we structured theirs as a going-concern contribution to avoid it.
Q10: How does the marriage allowance interact with CGT bands when one partner sells foreign property?
A10: It's subtle but powerful – transferring unused personal allowance (£1,260) to a basic-rate spouse can preserve more 18% CGT space. Picture a non-working partner in Exeter gifting allowance to her higher-rate husband; his £45,000 gain stayed partly at 18% instead of all 24%, saving £756. Apply via GOV.UK before the tax year ends – I've seen couples miss this and overpay simply because the forms sat in the drawer.
Q11: Can losses from a failed overseas buy-to-let offset gains on a different foreign holiday home?
A11: Definitely – all worldwide property losses pool together. A self-employed plumber in Newcastle had a £22,000 loss on a Bulgarian rental that tanked; he offset it against his £18,000 Italian sale gain, leaving just £3,000 taxable after AEA. Carry losses forward indefinitely, but report them in the year they arise – one client nearly lost a £40,000 offset by forgetting to declare the dud investment.
Q12: What if someone forgets to nominate a foreign property as their main residence within the two-year window?
A12: Don't panic – late elections are possible with reasonable excuse, and I've successfully argued occupancy evidence for clients up to five years late. A Dundee professor missed the deadline for his Canadian cabin; utility bills and work logs proved it was his centre of life, securing full PPR retrospectively. Submit via letter with supporting docs – HMRC's discretion saved him £31,000.
Q13: How does working remotely from a foreign property for a UK employer affect PPR eligibility?
A13: Remote work counts as occupancy if it's your genuine home base, but salary doesn't make it a business asset. For a London PA I advised who spent 200 days in her Maltese flat on Teams calls, full PPR applied despite zero trade use – the key was council tax, broadband, and voter registration there. Keep a digital trail; HMRC challenged one client until we produced Slack logs showing Malta as her "office."
Q14: Can a UK taxpayer claim CGT relief if the foreign property was inherited from a non-UK resident?
A14: Yes – probate value becomes your base cost, regardless of the deceased's residence. A Bristol heir received a Danish cottage worth £300,000 (probate) having cost the late aunt £100,000; sale at £350,000 meant only £50,000 gain. No step-up for pre-death appreciation, but treaties often prevent double IHT – we claimed Danish tax paid as credit.
Q15: What are the risks of using a foreign holding company to own UK-taxable property?
A15: ATED and 15% SDLT on enveloping can bite hard, plus CGT on share sales. A property developer in Leeds wrapped his Spanish villas in a BVI company; extraction triggered 24% dividend tax. Better to hold personally with PPR or use a UK Ltd with BADR – we unwound his structure, paying a small exit charge but saving £45,000 long-term.
Q16: How does child benefit charge interact with foreign property gains for high-income families?
A16: Gains don't count toward the £60,000-£80,000 taper, but income does – selling pushes dividends or salary over, clawing back benefit. A Surrey family lost £2,100 child benefit when dad's villa gain coincided with bonus; timing the sale post-child's 12th birthday avoided the charge entirely. Plan around school years – sounds daft, but it works.
Q17: Can someone offset foreign property improvement costs paid in crypto against CGT?
A17: Only if you convert to sterling with records – HMRC treats crypto as disposal too. A crypto trader in Bath paid €20,000 Bitcoin for a pool in 2021; we calculated the sterling cost at disposal date, allowing full deduction. Miss the crypto gain declaration and face double tax – always keep wallet statements.
Q18: What if a UK resident sells foreign property via instalments over multiple tax years?
A18: Instalment relief spreads the gain, potentially keeping you in lower bands annually. A retiree in Devon sold his Greek home for £240,000 over three years; £80,000 per year stayed at 18% vs 24% lump sum. Elect on Self Assessment – one client saved £4,800 by structuring buyer finance.
Q19: How does Scottish income tax affect CGT planning for foreign property disposals?
A19: Scottish bands are tighter, so more gain hits 24% despite identical CGT rates. An Edinburgh surgeon with £70,000 income paid 24% on his full £30,000 gain; contributing to his SIPP dropped income below the threshold, securing 18%. Devolved, but CGT remains reserved – confusing, but actionable.
Q20: Can a UK business owner gift foreign property shares to employees tax-efficiently before sale?
A20: Via EMI options or growth shares, yes – employees get entrepreneur's relief at 10%. A Bristol startup founder gifted 10% of his French training centre Ltd to key staff; their share of £50,000 gain taxed at 10% vs his 24%. Structure early – we used a new class of shares to ring-fence the asset.
About The Author:
Adil Akhtar, ACMA, CGMA, CEO and Chief Accountant of Pro Tax Accountant, is an esteemed tax blog writer with over 18 years of expertise in navigating complex tax matters. For more than three years, his insightful blogs have empowered UK taxpayers with clear, actionable advice. Leading Advantax Accountants as well, Adil blends technical prowess with a passion for demystifying finance, cementing his reputation as a trusted authority in tax education.
Email: adilacma@icloud.com
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