Hi, I'm Rob. And I'm Rob. And this is Ask Rob and Rob.

Welcome to Ask Rob and Rob, the show where we enhance your knowledge of property, all thanks to some brilliant questions sent in by our listeners. We've got another two great ones coming up today, as we do every week. And it all works because you send in your questions and you do it

like this. Yeah, you head over to property hub.net forward slash ask. There you'll be presented

with a wonderful buffet of options. You can ring up and leave us an answer phone message or

you can lead a message on your computer. And if that was enough, you even have the option to try and get your question in the Sunday times by writing in.

Whatever you prefer, it is all in that link,

property hub.net forward slash ask.

Let's listen to our first question in from Toff.

Hi, Rob and Rob.

My name is Toff and I love the podcast.

I've been listening to it for a number of years.

I was wondering if I could lend your expertise on this property situation. I'm a high rate taxpayer

with a single buy to let in my personal name. It's performing well. I achieve around a 4.6%

post-tax return on investment and 20% capital growth in the last three years since I've owned it.

Now I'm looking to buy a personal primary residence, which is going to be around 300,000 pounds, if not more. But because I already own the buy-to-lap, I'd face higher stamp duty, which would cost me at least an extra 10,000 pounds or so. My option seemed to be, number one, keep the buy-to-lap and pay the extra stamp duty, which would be annoying, but it is something I can afford. Number two, to sell the

buy to let, lose it. to be number one, keep the buy-to-lap and pay the extra stamp duty, which would be annoying,

but it is something I can afford. Number two, to sell the buy-to-lap, lose the income stream

and a good investment, but avoid higher stamp duty rates now and also in the future. And then

number three, to transfer it to a limited company, but then I would face upfront costs of capital

gains, early remorgetaging and stamp duty fees for moving

it into a company structure as well. There's also additional administrative and management burdens

of operating the company. My question is, is there a smarter way to structure this or should I just

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