Thank you for your question..
If the property in question has never been your main residence for CGT purposes, then the whole gain after costs associated with buying and selling the property would be chargeable to CGT.
Lets say the gain after fees etc is £40,000. You would claim gains allowance against the chargeable gain (£11,100 in current tax year). This would leave you with (40,000-22,200) £17,800 of gain that would attract CGT (£8,900 each.)
As you are higher rate taxpayer you are likely to pay CGT on £8,900 at 28%.
Your husband will pay CGT on his share at 18%.
Now we come to capital losses .... you don’t have to report losses straight away - you can claim up to 4 years after the end of the tax year that you disposed of the asset.
You say you invested £8,000 in a company that has gone into receivership. You should report a loss in your tax return to enable you to offset it against future gains..
More information on this can be found here
I hope this is helpful and answers your question.
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