CGT Advisory
You’ve earned it — now let’s make sure you keep it
Capital Gains Tax Doesn’t Have to Take More Than Its Share
Capital Gains Tax (CGT) applies when you dispose of an asset such as property, shares, or a business. The rules are complex, and without planning, it’s easy to pay more than necessary. The right strategy can significantly reduce — or in some cases defer — your liability, but only if the planning is done before the transaction takes place.
At Citiline, we specialise in structuring disposals and investments in a way that is both tax-efficient and fully compliant. We bring clarity to the rules, highlight reliefs and exemptions that apply to your circumstances, and design a plan that keeps more value in your hands.
Key Areas of Capital Gains Tax Planning
Every situation is different, but some of the main areas we advise on include:
Key areas we review
Annual exemptions: Ensuring that personal allowances are not wasted and are used across spouses or civil partners where possible.
Business Asset Disposal Relief: Helping business owners secure the reduced rate of CGT available on qualifying disposals of trading businesses or shares.
Rollover and holdover reliefs: Deferring CGT when assets are replaced or transferred under qualifying conditions.
Principal Private Residence (PPR) relief: Advising on the availability of relief when selling your main home, and how periods of absence, lettings, or mixed use affect the calculation.
Ownership planning: Structuring disposals through spouses, civil partners, or trusts to optimise the use of reliefs and allowances.
Timing strategies: Managing when disposals are made to align with income levels, other gains, or wider tax planning opportunities.
Property disposals: Ensuring that residential and commercial property sales are reported correctly and reliefs are maximised where available.
Corporate structuring: Advising on disposals within groups and the use of holding companies to manage and shelter gains.
Our Approach
We don’t just calculate your CGT after the event — by then, most of the opportunities to reduce liability are gone. Instead, we work with you ahead of a disposal to identify planning opportunities and structure the transaction in a tax-efficient way. We explain the technical rules in plain English and give you practical options, so you know exactly where you stand before you commit.
For complex cases, such as selling a business, property portfolios, or restructuring group companies, we provide detailed modelling to show the impact of different approaches. This allows you to compare scenarios and make confident, informed decisions.
Why Choose Citiline
Many advisers focus only on reporting disposals. We focus on strategy — how to minimise exposure before the disposal takes place. With years of experience handling HMRC rules, reliefs, and dispute resolution, we know not just what the legislation says but how it is applied in practice.
Our role is to protect the value you’ve created. Whether you’re selling a property, a shareholding, or your business, we help you structure the deal so you don’t give away more than you need to in tax.
📞 Planning a sale or disposal? Speak to Citiline today and put an expert CGT strategy in place before you sign.
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