Insurance & Other Services

In conjunction with NACFB Financial Services, we are now able to offer products such as:

• Mortgage Protection (Reducing Term Assurance)
• Life Cover
• Critical Illness Cover
• Income Protection

Working with one of Europe's largest insurance brokers CD Property Finance provides an introductory service to all clients who are seeking very competitive insurance quotes for:

• Property Owners Liability
• Employers Liability
• Contractors All Risks Cover
• Business Insurances

Suitable for property investors, business owners, property developers and all SME'S you can request via CD Property Finance a no obligation call from the brokers to discuss all your insurance and protection needs.

Capital Allowance Claims

The number of commercial property owners that are aware that such allowances exist is shockingly low, and our research suggests that an estimated 96% of all UK commercial property and furnished holiday lets could be entitled to a refund.
So, what are capital allowances and why is such an important opportunity being overlooked?
The answer is twofold. Capital allowances focus on a highly specialist area of the tax system and so it is no reflection on the professionalism or diligence of accountants that some allowances are not being claimed. Capital allowances are costs that businesses incur that can be reclaimed against tax as defined by the Capital Allowances Act 2001. They cover a wide range of commercial property from hotels, retail, industrial and multi-let properties and there are surprisingly few exclusions, such as if the owner is a charity or pension fund, and just a handful of qualifying criteria stating that the owner must be a UK taxpayer, but this includes individual, LLPs, PLCs and Ltd companies.

One of the main messages regarding capital allowances is that this is neither a tax avoidance scheme nor a recent loophole that HMRC are unaware of and will regard with suspicion. The primary aim of the UK statutory law dating back to 1878 was to allow commercial property owners to improve their property and the provision of this benefit holds as true today as it did then. The law has been revised and refined over recent years and was simplified in a major way in 1971 to eliminate burdensome record-keeping and computational requirements; a further simplification in 1984 saw the elimination of initial and first year allowances, among others. Further revisions followed in 1990 and the current legislation we are working to is the Capital Allowance Act 2001.

CD Property Finance is an agent for Portal Tax Claims who are part of the FSA regulated Portal Group. They have handled hundreds of Capital Allowance claims and only use independent, qualified surveyors. The progress of each case is closely monitored by them with regular contact with HMRC throughout.

There is no fee for this service, with Portal and CDPF being rewarded out of the claim if it is successful. The success rate for claims is nearly 100%.

Invoice Discounting

This is an increasingly popular method used by many businesses to turn debtors into cash. Please contact us for details and for a quotation.

Contact us on 01428 684452 or email to discuss any of the above services.