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  • Obviously this isn't advice & the full facts do matter, but I think HMRC do accept that individual units in student accommodation can each form a dwelling (provided they have enough facilities in them) and they would have doors joining the units.

    Tbh if your facts are good I'd be surprised if the downside risk (interest) outweighs the upside risk (multiple thousands saved?)

    Advantage of taking advice is that it can help mitigate penalties as shows you gave due care and attention. Not a complete magic bullet but helpful

  • Again, really helpful, thank you.

    I hear you regarding the professional advice, but would cost us about 20% of the 10k we could save. I will explore this fully though.

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