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

Hey everyone, welcome to Ask Rob and Rob, the show where you give us your wonderful questions and we give you what we hope some wonderful answers in return. It is super simple for you to submit your question, whether it be for this show or the Sunday times.

Rob, would you like to explain once again what that easy process is? Oh, surely everyone knows by now, but just in case, it's propertyhub.net slash ask. If you can find your way to that webpage, then you can leave us a written question for our Sunday Times column, see yourself in the paper, your mum would be very proud, or you can leave us a voicemail, which is actually our preferred option, because then we get to play your lovely voice on the show. Let's listen to our first question from Andy.

Hi, guys, Andy here, long time admirer of what you do. I've got a question that I've been thinking

about for a little while now, and I never quite know what to do with it. So I finally made the effort

to reach out to you guys for your advice. So my wife and I

own four properties in total now. When we set out, we didn't necessarily know we had a plan to get

to that number. We just started with one and catch adding. We're up to four now. And I'm kind of

at this point where from a tax position, it pushes us both into the higher

bracket, a 50 grand tax bracket, the 40% bracket. And so I'd love to buy more, but from a tax

perspective, it's really disadvantaged thing to do so. Obviously, a lot of people these days are

buying property in a limited company, but then I wonder, is it worth

setting up a limited company if I were only to acquire one more property? It doesn't seem really

worth it. It's a barrier to me moving further in property. So I guess my question is,

you know, what would you do if you were me? Is it worth setting up a company and moving the four

current ones into it, which I don't think is that easy? I don't know. I'm at a dead end. I'm not

quite sure which way to move and therefore I haven't done anything for two or three years now.

Yeah, really grateful for your thoughts. Andy, thank you for the question and you are in a really

tricky spot. This is a hard position

to be in, but don't worry, you are not alone. So many people are in the same position. We know

because we hear from them all the time. But there's really no template's answer and it's going

to very much depend on your future plans, how much you want to expand and lots of other

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