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Also, it might be easier if you stick to one thread with your queries.
If you were in the UK I would not recommend you transfer anything to your wife - it can simply be overturned in UK Bankruptcy and I assume Scottish law might mirror this.
Your wife would have to prove she has an interest in the property to the TIB.
Per the DLA comment I suspect if Scottish law is the same as English the dividends can possibly be challenged as illegal so won't help reduce the DLA per my previous reply.
The quotes sometimes also reflect how busy the accountant is (it applies to any other industry as well). If he is really busy and needs to do overtime to do your work he will charge way more than his normal rate. On the opposite side if he has lots of free time, he can include some discount in the quote.
As an accountant myself here is the tip on how to choose the right accountant for you. Talk to your accountant regarding these 2 things:
1. If Flat Rate VAT may help you financially - his answer should be "Yes".
2. Best salary/dividend structure - here he should be able to give a salary structure where you pay no employee or employer NI but still qualify for state pension year accrual.
If he manages to provide correct detailed answers to both of the questions most probably you can go ahead with him even he is the cheapest.
You should be very careful and look at all the consequences. If the property becomes mixed use residential/business then it becomes harder to sell. The potential buyers have a problem getting a mortgage as many providers will not lend to a mixed property.
Then there may be a capital gains tax implication. This tax is exempt on residential if it is your main home. But not on the business portion.
At the moment we have Amazon Marketplace as a bank and each merchant as a supplier, but the bank part doesn't seem right, and it's a lot of transactions to enter for a simple purchase.
What you need is a listings platform as most buyers will prefer to do a bank transfer, cheque or cash. If you want ecommerce with credit card payments you will need a payment provider and probably a monthly service charge.
Just a note to say most of the big acquirers in the UK will not entertain merchant/payment services for this sector unless there is a permanent forecourt which they can visit for approval.
