Office investment

Our Experts Answer:

Although it is not possible for me to give you a definitive answer without knowing more of your circumstances, what I can say is that almost always you are better off buying the property through a company, than in your personal name.

In my view, the acquisition and retention of an investment property in a company offers much better outcomes than holding the property personally. For example, having the property held in a company means that any money you inject into the investment, either to aid the initial purchase or to fund it during its lifetime, is recorded as loans to the company. This is useful as it means you can protect the loan by assigning it to a trust, for example, or call it up in the future if you require funds for other purposes.

There is also more flexibility to alter ownership through transferring shares when a property is owned in a company.