Capital Gains Tax (CGT)

CAPITAL GAINS TAX (CGT)

Sell an asset without planning and Capital Gains Tax can take a painful bite out of your profit. At TaxDigit, chartered certified accountants and UK tax advisors in Guildford, Surrey, we help you plan ahead so you legally minimise CGT on property, investments and business assets.

From a single property disposal to a complex portfolio or business sale, we tailor our advice to your goals — making sure every available relief and exemption is on the table before you act.

The problems we solve for you

CGT is far easier to reduce before a sale than after it. Early, tailored planning is where the savings are made.

• Unnecessary CGT bills — we plan disposals for optimal tax efficiency.
• Missed reliefs — we claim every allowance and relief you qualify for.
• Poor timing — we advise on when and how to dispose for the best outcome.
• Complex disposals — property, portfolios and business assets handled expertly.

Why companies choose TaxDigit

Every client is unique, and so are their assets — so we build CGT strategies around your specific financial goals rather than a one-size-fits-all template.

• Advice across property, investment portfolios and business asset disposals.
• Proactive planning that maximises reliefs and exemptions.
• Tailored strategies aligned to your wider financial goals.
• Trusted UK tax advisors serving clients across Guildford and Surrey.

Tailored CGT solutions for every scenario

Our CGT services cover a wide spectrum of scenarios — property transactions, investment portfolio gains, business asset disposals and more. Whether you are planning to sell an asset or seeking proactive tax planning, TaxDigit is your trusted partner, providing tailored solutions that align with your goals and ensure optimal tax efficiency.

Speak to a CGT specialist

Frequently asked questions

When do I pay Capital Gains Tax?

When you sell or dispose of an asset at a gain, such as property, shares or a business. UK residential property disposals must be reported within 60 days.

How can I reduce my CGT?

Through the annual exemption, reliefs such as Business Asset Disposal Relief, and careful timing. We plan disposals to keep your bill down.

Do you handle the 60-day property report?

Yes. We prepare and file the required capital gains report on residential property within the deadline.

What are the Capital Gains Tax rates for 2026/27?

From 6 April 2026, gains that fall within your basic rate Income Tax band (£37,700 for 2026/27, after your taxable income) are taxed at 18%, and gains above it at 24%. Higher and additional rate taxpayers pay 24%. Source: GOV.UK.

What is the Capital Gains Tax allowance?

Individuals have a tax-free allowance (the annual exempt amount) of £3,000 for 2026/27, and trusts £1,500. Only gains above the allowance are taxed. Source: GOV.UK.

What is the deadline to report and pay CGT on a UK property sale?

If you sell UK residential property and there is tax to pay, you must report and pay within 60 days of completion. Non-residents must report every sale or disposal of UK property or land within 60 days, even when no tax is due. Source: GOV.UK.

What rate applies with Business Asset Disposal Relief?

Business Asset Disposal Relief reduces the rate on qualifying business disposals to 18% from 6 April 2026. It was 14% for disposals between 6 April 2025 and 5 April 2026, and 10% on or before 5 April 2025. Source: GOV.UK.

I live overseas. Do I pay UK Capital Gains Tax?

Non-residents are generally within UK Capital Gains Tax on UK property and land, and must report those disposals within 60 days even when no tax is due. Gains on other assets depend on your residence position and any double taxation treaty, so we review your situation before advising. Source: GOV.UK.