Capital Gains Tax (CGT) is a tax on the profit you make when selling a property that isn’t your main home — including buy-to-lets, second homes, and inherited properties. You’re taxed only on the gain, not the sale price.
How Does
Capital Gains Tax Impacts Your Profit
Here’s how a typical property sale can trigger thousands in tax — unless every deduction and relief is applied correctly.
With Specialist Help
Without Specialist Help
Sale Price
£320,000
£320,000
Purchase Price
£200,000
£200,000
Renovations & Fees
£20,000
£0 (Not Documented)
Tax-Free Allowance
£3,000
£3,000
Taxable Gain
£97,000
£117,000
CGT Rate (28%)
£27,160
£32,760
Final Tax Liability
✅ £5,600 Saved
⛔ Overpaid by £5,600
Filing Deadline Met?
✅ Yes
⛔ No – Penalties Applied
Timing matters. A well-timed claim can unlock hundreds of thousands instantly — or delay your benefit for decades.