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this property made 20 000 pounds tax-free let me explain how my business button bought that property in 2009 for 250 000 pounds and he bought that in his personal name Ill explain in a second why you might not want to do that because it might not make sense anymore in 2009 he bought it for 250 and he got a 75 launch value mortgage which was 187 000 pounds but lets just say this mortgage was with HSBC Bank now 10 years later in 2019 that property had appreciated and it was revalued at 500 000 pounds at that stage he refinance the property which just means that he got a new mortgage on that property and so the new bank gave him 75 off the 500 000 pounds valuation which came to 375 000 pounds so imagine the original mortgage was with HSBC now this mortgage is with lets say Barclays Bank Barclays Bank has given him 375 000 pounds hes taking the 375 hes paid off the 187 000 pounds from HSBC so that leaves him in the remaining amount which is the difference between this and this so 375
