Welcome to My Capital Gains Tax Advice
Do you have a significant CGT liability on the horizon?
Whether you’re selling a property, business, or investment — our specialists help you plan ahead and keep more of what you’ve worked for.
Welcome to My Capital Gains Tax Advice
Do you have a significant CGT liability on the horizon?
Whether you’re selling a property, business, or investment — our specialists help you plan ahead and keep more of what you’ve worked for.
About My Capital Gains Tax Advice
At My Capital Gains Tax Advice, we understand that navigating the complexities of Capital Gains Tax in the UK can be challenging, particularly as rules, rates and allowances continue to evolve in 2026. Our mission is to connect you with experienced Capital Gains Tax specialists who provide clear, personalised and fully compliant advice tailored to your individual circumstances. We help you take practical, proactive steps to manage and legitimately minimise your tax liabilities with confidence.
Our Capital Gains Tax Services
CGT on Property Sales
Whether you’re selling a buy-to-let portfolio, a second home, or a development site, our advisers identify every legitimate mitigation strategy available — from principal private residence calculations and letting relief, to disposal timing across tax years and spousal transfers.
Business Exit & Share Disposal Planning
Selling a business or qualifying shares is one of the most significant financial events of your life. We advise on Business Asset Disposal Relief (BADR) eligibility and timing — with the BADR rate rising from 14% to 18% on 6 April 2026, acting now could mean a material saving. Our advice also covers rollover relief, holdover relief, Employee Ownership Trust disposals, and corporate restructuring strategies.
CGT on Inherited Assets & Trusts
Inheriting property, investments, or other assets triggers complex CGT considerations that are easily misunderstood. While inheritance itself isn’t a disposal, any subsequent sale crystallises a gain calculated from the probate valuation. We also advise on CGT within discretionary and bare trusts, where reduced annual exemptions and different rate structures apply. Our advisers ensure you fully understand your base cost position and structure any disposal to minimise exposure.
Divorce & Separation CGT Advice
The rules for CGT on divorce changed significantly in April 2023, extending the window for no-gain/no-loss transfers between separating spouses. We advise on inter-spousal transfers, deferred disposals, and principal private residence relief to ensure separation doesn’t create an unnecessary tax liability at an already difficult time.
Crypto, Investments & CGT Loss Planning
Cryptocurrency disposals — including sales, swaps, and using crypto to purchase goods — are fully within scope of UK Capital Gains Tax, and HMRC’s scrutiny of crypto activity is intensifying. Alongside crypto, we advise on CGT across investment portfolios, EIS/SEIS deferral options, and loss relief strategies. Capital losses offset gains in the same tax year and carry forward indefinitely — we build disposal timing strategies that spread gains across multiple tax years and maximise your exemptions over time.
Cross-Border & Non-UK Resident CGT Advice
If you live outside the UK, own UK assets from abroad, or hold overseas assets while UK resident, your CGT position involves a layer of complexity most generalist advisers are not equipped to handle. We advise on non-resident CGT on UK property disposals, double taxation treaty relief, remittance basis for non-domiciled residents, and the interaction between UK CGT and overseas tax obligations.
How We Work
Step 1
Initial Assessment Call
Start with a free confidential call to understand your situation and potential Capital Gains Tax exposure.
Step 2
Specialist Review & Strategic Planning
A CGT specialist reviews your case, identifies tax-saving opportunities, and provides clear strategic advice.
Step 3
Clear Fees & Ongoing Support
You receive transparent fees and continued support to manage your tax matters with confidence.
Maximum Penalties
100% of tax due + interest.
With full cooperation and early disclosure: often reduced significantly to 10–40%.
Risk if incomplete or rejected: Criminal investigation and possible prosecution.
Reduced Penalties
Expert Guides & Insights from Leading Advisers
We regularly feature in-depth guides and articles written by the UK’s top COP9 and tax.
Investigation specialists — including many former HMRC inspectors.
Why Choose Specialist Help?
COP9 cases are complex and carry significant risks. Leading specialists — many former HMRC inspectors — understand the process inside out and consistently achieve the best outcomes through careful disclosure and skilled negotiation.
Reduce stress and uncertainty
Navigate the complex COP9 process with confidence, knowing you have experts by your side who understand every step.
Prepare accurate, complete disclosures
Ensure your disclosure is complete and accurate the first time, avoiding costly mistakes that could escalate to criminal proceedings.
Minimise penalties and financial exposure
Strategic disclosure and expert negotiation can significantly reduce your penalty exposure from 100% to 10-40%.
Protect your reputation and avoid escalation
Keep the matter civil and confidential, avoiding the reputational damage of criminal prosecution.
The questions we get asked most
1. What happens if I ignore a COP9 letter?
Ignoring it risks HMRC launching a criminal investigation. The 60-day window is critical — missing it removes the immunity offer.
2. Can I handle a COP9 case myself?
Technically yes, but it’s strongly not recommended. The process is complex, and incomplete disclosures can lead to criminal prosecution. Specialists achieve far better outcomes.
3. How long does a COP9 case take?
Typically 12–24 months from opt-in to final settlement, depending on complexity and cooperation.
4. What penalties can I expect?
Up to 100% of tax due for deliberate behaviour, plus interest. With full, early cooperation, penalties are often reduced to 10–40%.
5. Will a COP9 investigation affect my reputation or credit?
Handled discreetly by specialists, it usually remains confidential. No direct impact on credit rating unless unpaid settlements lead to debt issues.
6. Do I need a solicitor for COP9?
Not for most cases — tax investigation specialists handle the majority successfully. A solicitor is typically only needed if criminal prosecution risk emerges (for legal privilege and court representation).
7. What if my case involves offshore assets or crypto?
These are common COP9 triggers. Specialists experienced in international disclosures can navigate data-sharing agreements and achieve favourable settlements.
8. Can penalties be paid in instalments?
Yes — HMRC often agrees Time to Pay arrangements for genuine cases.
Latest Guides
Free plain-English articles – updated regularly
Why Getting Expert CGT Advice Can Save You Money?
Capital Gains Tax planning is not just about filing returns — it is about structuring
Common Capital Gains Tax Mistakes Property Owners Make
Property transactions are one of the most common triggers for Capital Gains Tax obligations in
Understanding Capital Gains Tax in the UK: A Beginner’s Guide
Capital Gains Tax (CGT) is a tax charged on the profit you make when you
A Few Recent Examples
“Received a COP9 letter for undeclared offshore income. I was convinced it was going criminal. They explained everything calmly, handled the disclosure, and it was settled civilly in 13 months. I slept properly for the first time in weeks after the first call.”
– Company director, North West
“HMRC opened an investigation into my property rental income. Thought I’d lose the houses. They took over, dealt with all the meetings and paperwork, and got it closed with penalties I could manage.”
– Landlord, South East
“Ignored the first letter – big mistake. Second letter threatened prosecution. They stepped in, turned it around, and it finished civil. Wish I’d called on day one.”
– E-commerce business owner
“Best decision I made was picking up the phone. They were straight with me from the start and took all the stress away.”
– Self-employed consultant