When I first started investing in property, like many people, I bought my first few properties in my own name. It seemed simple and straightforward. But as I began to think more about the future—about the security and well-being of my family—I realized there was a better way to manage my investments. That’s when I decided to start buying properties in the name of a company. Here’s why this decision has not only made financial sense but also given me peace of mind knowing that my family’s future is protected.
Let’s be real—when you’re working hard to build something for your family, every penny counts. One of the biggest advantages of buying property through a company is the potential to save on taxes. In many places, companies are taxed at a lower rate than individuals, which means more of the income generated from your properties stays in your pocket.
And it’s not just about paying less tax. When you manage your properties through a company, you can deduct a wide range of expenses—property management fees, repairs, loan interest, and even depreciation. These deductions lower your taxable income, meaning you can reinvest those savings into more properties or other opportunities that will benefit your family down the line.
As much as we’d like to believe that everything will go smoothly, the reality is that life is unpredictable. If you own property in your personal name, any financial trouble—whether it’s a lawsuit or a default on a loan—could put your personal assets, like your family home or savings, at risk. That’s a risk I wasn’t willing to take.
By holding properties in a company, you create a protective barrier around your personal assets. The company’s liability is limited to its own assets, so if something goes wrong, your family’s home and savings are safe. This legal separation has given me the reassurance that, no matter what happens with my investments, my family’s financial security won’t be compromised.
We all want to provide for our families and leave something behind that they can build on. Buying properties through a company helps me do just that. When you operate as a company, you’re not just seen as an individual investor—you’re seen as a serious business owner. This credibility opens doors to better financing options, partnerships, and opportunities that can significantly grow your portfolio.
And it’s not just about the here and now. By building a strong, credible business, I’m creating something that my family can inherit and continue to grow long after I’m gone. It’s about more than just making money—it’s about creating a lasting legacy that will provide for my loved ones for generations to come.
Thinking about what will happen to your investments after you’re gone isn’t easy, but it’s necessary—especially when you have a family to think about. If your properties are in your personal name, passing them on can be complicated and costly, with estate duties and taxes taking a big bite out of what you leave behind.
But when your properties are owned by a company, the process is much simpler. Instead of dealing with the headache of transferring property ownership, your heirs can inherit the company shares. This is not only more straightforward but also more tax-efficient, ensuring that your family gets to keep more of what you’ve worked so hard to build.
One of the unexpected perks of owning property through a company is the access to certain tax reliefs and incentives that individuals can’t get. This could mean credits for making energy-efficient upgrades to your properties or subsidies for specific types of developments.
These incentives aren’t just about saving money—they’re about freeing up more resources that can be used to improve your family’s quality of life. Whether it’s reinvesting in more properties, saving for your children’s education, or simply having more financial flexibility, these benefits can make a real difference to your family’s future.
Managing multiple properties can quickly become overwhelming, especially if you’re doing it alone. But when you operate through a company, everything becomes more streamlined. You can keep your financials organized and easily track income, expenses, and profits.
More importantly, having a company structure allows you to delegate property management tasks to professionals. This means less time spent on the nitty-gritty details and more time to spend with your family, doing what you love. After all, what’s the point of building wealth if you can’t enjoy the time with those who matter most?
Switching to buying properties in the name of a company has been one of the best decisions I’ve made—not just for my investments, but for my family. It’s about more than just saving on taxes or protecting assets; it’s about ensuring that everything I’m working for today will continue to benefit my loved ones tomorrow.
Yes, setting up a company and managing properties within it can be a bit more complex than personal ownership. But for me, the peace of mind that comes with knowing my family is protected and provided for is worth every extra step.
If you’re serious about building a secure and prosperous future for your family, I highly recommend considering this approach. Consult with a legal or financial advisor to explore how this strategy could work for you, and start building a legacy that will last.
By making this shift, you’re not just buying properties—you’re securing your family’s future, creating a business that can grow, thrive, and provide financial freedom for generations to come. And that, to me, is the ultimate goal.
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Michael
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