Limited Company vs Personal Name: The New Standard?
Sarah Jenkins
Property Analyst
The question we get asked most often is: "Should I buy in a Limited Company?"
Five years ago, the answer was usually "No, it's too much hassle." Today, for most new purchases, the answer is increasingly "Yes".
Why the shift?
The primary driver is tax efficiency, specifically avoiding Section 24 restrictions. Companies pay Corporation Tax (currently 19-25%) on their profits. Crucially, mortgage interest is treated as a business expense, meaning it is fully tax-deductible.
Related Insights
Hold or Sell? How to Decide When a Buy-to-Let Is No Longer Worth Keeping
Thousands of UK landlords are asking whether to hold or sell. We walk through the numbers, the tax implications, and the questions that actually matter when deciding if a buy-to-let is still worth keeping.
EPC Ratings & the 2030 Deadline: What Landlords Need to Know Now
The government's January 2026 Warm Homes Plan confirmed an EPC C minimum for all rental properties by 1 October 2030. But the bigger news is that the EPC methodology itself is changing. Here's what it means for your portfolio and what you should do now.