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Property investing can be one of the most satisfying and most lucrative forms of business - so why then do some fail? In this episode, Shaz breaks down the main reasons why some investors don't make the cut. KEY TAKEAWAYS A small contingent of investors make huge sums of money, most find themselves just about making ends meet, while another group fail completely. Those who succeed are generally in possession of information, guidance and education, so that they can best take advantage of opportunities and situations when the moment is right. People fail because they don't do enough research. They don't learn enough about the art of investing and fail to see the complexity involved. BEST MOMENTS 'The ones who are doing well have a good, strong, established business' 'You've got to know what works and what doesn't work' 'Property is not a get-rich-quick scheme' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

In property, you always have to make sure that the numbers add up or a deal might not be worth doing. In this episode, Shaz talks you through rental yield, the first factor you should take into consideration before pulling the trigger on a deal. KEY TAKEAWAYS Rental yield is a term used by landlords all the time, but many do not realise what it really means. The gross rental yield of a property is the annual income expressed through a percentage of the property's purchase price or value. The calculation is as follows: Annual Rental Income divided by the property's value - this is your gross rental yield. BEST MOMENTS 'Numbers are very important in any business' 'Rental yield offers a useful overview of whether a property is likely to be profitable or not' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz discusses two new important changes to tax regulations, including Option To Tax and the new VAT penalty regime, which may cost you dearly. KEY TAKEAWAYS An Option To Tax is when somebody brings a commercial property into the VAT regime, meaning that the costs of refurbishment can be claimed back from HMRC. From the 1st February 2023, HMRC implemented changes . The first change is that HMRC will stop issuing OTT notification receipt letters. BEST MOMENTS 'They opt to tax for the property, which means they ask HMRC for the costs of the refurb' 'Make sure that you pay on time!' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz talks about the many tax benefits and disadvantages offered when conducting business through either an investment business and a trading business. KEY TAKEAWAYS An investment business is where you buy an asset and rent it out or get some form of income from it. Buy to let is investment, whereas commercial conversion is trading. Deal packaging comes under a trading business, and so is serviced accommodation. The government does not incentivise people to become investors, and so the tax benefits do not work in your favour. BEST MOMENTS 'Buying a property, holding onto it, renting it out - that is investment' 'The government does not incentivise people to become investors' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz explains the multifaceted agreements that should be in place between shareholders when varying types of businesses are founded and developed. KEY TAKEAWAYS When two parties have a partnership, the LLP files a tax return but each party pays their respective tax bills. You pay individually. In March or April of 2024, full disclosure must be made at Companies House, meaning that true transparency may be seen by all BEST MOMENTS 'Corporation tax rates are different to personal tax rates' 'That's why they keep personal tax rates higher' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz talks about different ways to structure a property investing business, with a focus on limited companies, and why you need to know all about them. KEY TAKEAWAYS When a limited company is formed, it appears at Companies House so that transparency can be sought. If secrecy is preferable then a limited company may not be right for you. Requirements of a limited company include directors, at least one shareholder. The director and shareholder tend to be the same person. BEST MOMENTS 'If being secretive is important to you then you don't want a limited company' 'The number one benefit of a limited company is you are not personally liable for the debts' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Coming to you specially from a live seminar, in which he answered the burning questions of an audience, Shaz talks about alphabet class shares - how to distribute them, and what they mean. KEY TAKEAWAYS Whatever the ratio of ordinary share capital you own, your dividend has to be in line with this - IE: 51% shares of £100,000 means you receive £51,000. Alphabet shares mean that you can distribute share dividends in a different way. Percentages of A Class shares and B Class shares can be divided up between shareholders. BEST MOMENTS 'You can have different classes of shares for different people' 'You have to have ordinary share capital' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

In this episode, Shaz shares eight important tips you ought to know about as a first time buyer, that'll get you on the property ladder in no time at all. KEY TAKEAWAYS Look at the ideal home you want, and plan to buy it at some point in the future. As a first time buyer, the home you want, isn't necessarily the one you can afford at the beginning. Property investing is a journey. Each purchase and sale is a step on the ladder, and each step takes you higher towards the property you want to end up in. The higher the deposit, the better your chance of getting lending from a bank, as there will be less risk for them. Live within your means and stop stretching yourself so thin when it comes to income. Saving money and refraining from going into debt will help you in the long term. BEST MOMENTS 'Work your way towards something you can afford' 'A bigger deposit means the bank has less exposure. They'll be willing to give you better rates' 'Think carefully about what you can afford' 'Always live within your means' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

What is the difference between a trading holding company and an investment holding company? In this episode, Shaz talks you through the answer to this question. KEY TAKEAWAYS A holding company is a limited company including individuals that are shareholders. They may have different companies for different reasons so as to keep their interests separate. An investment company is where you are buying property and holding onto it. There can be many reasons for this. BEST MOMENTS 'They want to do property transactions' 'This basically then becomes your holding company structure' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz explains Land Remediation Relief, including when it is applicable, how it can benefit you, and the regulations you need to watch out for. KEY TAKEAWAYS You only get land remediation relief if you are buying a property through a limited company, and if it is going to be a trading business and not an investment business. If you are an investment business, you cannot claim this relief. It also cannot be claimed if you buy in your own name. BEST MOMENTS 'If I get a discount to buy this property, then I cannot get land remediation relief' 'It has to be a limited company, and it has to be some form of a trading entity' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz talks about capital allowance pools and how they work, with a focus on capital allowance and property investing. KEY TAKEAWAYS You can claim less than 18% of your plant and machinery pool, but you may not exceed 18% when claiming. If you don't create a taxable loss, then numbers may be reduced the following year, so it's always wise to claim the full amount where possible. BEST MOMENTS 'The rate is determined by the government' 'You create a taxable loss and carry it forward' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

With serviced accommodation becoming one of the most popular property investing types, Shaz tells you the best way to structure your business and how it operates. KEY TAKEAWAYS If you have an LLP and you make £500,000 profit and you don't take any money out of the business, you will pay tax on everything. If, however, you pay the capital allowances, you will pay no tax on this sum. BEST MOMENTS 'The bank always asks for the financials!' VALUABLE RESOURCES shaz@aaa-accountants.co.uk  ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz talks you through the complete process when it comes to claiming back VAT when it comes to property investing and when it most effectively applies. KEY TAKEAWAYS Once new units are created, they become zero-rated for VAT purposes, and so any VAT claimed will not need to be repaid. You cannot reclaim VAT if you are hoping to rent out properties, because you cannot charge VAT on rent itself. BEST MOMENTS 'Because they've sold the flats they can keep the VAT' 'Rent is an exempt supply' VALUABLE RESOURCES shaz@aaa-accountants.co.uk   ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz talks you through the best ways to ensure you remain compliant when bringing new shareholders into your business. KEY TAKEAWAYS Shareholders can be created by investing money directly, or by using their own holding company. This creates two holding companies, and adding flexibility to the arrangement. Holding companies also provide an extra level of protection to you and other shareholders. BEST MOMENTS 'Now you have two holding companies' 'Can you see the flexibility?' VALUABLE RESOURCES shaz@aaa-accountants.co.uk   ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

When talking about the control of a company, it can be tricky to decide who requires what in order to retain a controlling interest. In this episode, Shaz explains it all! KEY TAKEAWAYS It's wise for the party who wants control to ensure they have 51% of the shares which makes you ahead in voting rights. Shareholders agreements are vital in order to make sure that when an impasse is reached, progress can be made. BEST MOMENTS 'You have control of the voting rights' 'It's extremely important to have a shareholder's agreement' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

How should you structure your business for flexibility? Shaz looks at a commercial conversion case study and explains the different company structures and the tax implications He also shares great advice on having a holding company and why this is the key to flexibility KEY TAKEAWAYS Keeping the commercial conversion projects in different companies means they don’t affect each other Once you have done a transaction close the company down and move the money to the next one When you close a company after completing a commercial conversion and take the money out you will pay personal tax If individuals have their own holding company they have the flexibility to do what they want with the cash   BEST MOMENTS  ‘With a LLP tax is payable whether the money is taken out or not’  ‘There is no personal consequence from loaning between companies’ ‘A holding company gives flexibility’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz discusses the thorny subject of when and how to buy shares internally when it comes to a business - from where to find the money to do so, to how to make sure you remain compliant at all times. KEY TAKEAWAYS Most small businesses tend to be born from a family concern, with the parents founding and the children assuming the reins later. Using a dividend in order to fund the acquisition of more shares is possible, but requires you to consider the tax you'll also be paying. Adjust the sum accordingly. The company can buy back the shares and liquidate them, making the smaller shareholder the larger shareholder by default. BEST MOMENTS 'The company can buy back the shares!' 'Once they've sold their shares, they can't own more than 30% of the shares remaining' VALUABLE RESOURCES shaz@aaa-accountants.co.uk   ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz explains Investor's Relief, a more flexible version of Entrepreneur's Relief, and when it can be best deployed in order to save you more money! KEY TAKEAWAYS Investor relief works very similar to entrepreneur's relief but is actually more flexible. Investors keep their money is a deal for three years. After this period, up to the first ten million pounds of uplift is charged only 10% tax. BEST MOMENTS 'This way you tie them in, they're engaged' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz explains Business Asset Disposal Relief (BADR) - when it can be used, and why you should look to it when selling a business. KEY TAKEAWAYS If you run a business for five years and have at least 5% of the share capital - if you sell it you can claim entrepreneur's relief up to the first million pounds. If you charge rent on the business, then you can't charge Entrepreneur's Relief as it then becomes an investment activity. BEST MOMENTS 'Where possible, you want to make sure that you can utilise Business Asset Disposal Relief' 'This is called "phoenixing"' VALUABLE RESOURCES shaz@aaa-accountants.co.uk   ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.

Shaz talks you through a practical example about how to better understand VAT and capital allowances, and the benefits that can be achieved when converting from commercial to residential. KEY TAKEAWAYS When looking to buy a property it is wise to find out about the exact VAT situation. When you make the offer, make it clear that you want to convert from commercial to residential, and ask if they will accept a VAT 1614D. Elements of a building that are subject to capital allowances are any part of the property that are not inherently provided by the structure itself. BEST MOMENTS ''When you sell the property at some point in the future, you must charge VAT on the disposal' 'These capital allowances have different pools' VALUABLE RESOURCES shaz@aaa-accountants.co.uk   ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on:   Facebook   LinkedIn   Instagram   YouTube. See omnystudio.com/listener for privacy information.