Category Archives: business,financial,real estate

Limited company buy-to-let mortgages gain traction as landlords seek tax efficiency

Landlords are increasingly turning to

limited company buy to let

structures, with lenders responding by expanding product ranges and trimming rates for company borrowers.

Driven by tax reforms introduced in recent years—most notably the Section 24 mortgage interest relief changes—incorporation has become the preferred route for landlords looking to grow or restructure their portfolios. Now, with buy-to-let mortgage rates starting to edge downwards, limited companies are back in the spotlight as a long-term investment strategy.

More lenders, sharper pricing

In July 2025, over 60% of

buy to let mortgage

applications are being made through limited companies, according to broker platform Mortgages for Business. That figure has risen sharply from less than 20% in 2016, reflecting the structural shift in how landlords manage property finance.

Specialist lenders such as Landbay, Paragon, and Precise Mortgages have expanded their limited company product offerings, while mainstream names like The Mortgage Works and Accord are also actively courting company borrowers. Rates are becoming more competitive, with five-year fixed deals for SPVs (special purpose vehicles) now starting from around 4.8% for 75% loan-to-value loans.

Jane King, mortgage adviser at Ash-Ridge Private Finance, said:

“We’re seeing much more lender appetite for limited company borrowers. Pricing is getting keener and application processes have become more streamlined.”

Tax benefits continue to drive demand

The key advantage of investing via a limited company remains the ability to deduct 100% of mortgage interest from rental income before calculating corporation tax—something individual landlords lost under Section 24. This can make a major difference to profitability, especially for higher-rate taxpayers with mortgaged properties.

Limited company landlords also benefit from flat 25% corporation tax (for most SPVs), potential dividend planning flexibility, and improved inheritance planning options when combined with trusts or shareholder structures.

Although setting up and maintaining a company involves additional costs and responsibilities—such as filing annual accounts and managing director duties—many landlords view it as a necessary step for long-term viability.

Portfolio growth and refinancing trends

For landlords with multiple properties, limited companies offer another advantage: more flexible lending criteria. Most lenders underwriting company BTLs assess the deal on rental income and stress testing, rather than a landlord’s personal income. That makes it easier to grow a portfolio without being capped by personal affordability.

Some investors are also using incorporation to refinance personally owned properties into a corporate structure—known as a ‘beneficial interest company trust’ route—though this can have stamp duty and capital gains tax implications if not managed carefully.

David Whittaker, CEO of Keystone Property Finance, commented:

“Incorporation isn’t for everyone, but for serious landlords looking to scale or optimise their tax position, it’s a highly effective route—especially with rates now becoming more attractive.”

Long-term planning in a shifting market

Limited company buy-to-let remains a key strategy for landlords who think ahead. With lenders adapting and rates easing, the gap between personal and company borrowing costs continues to narrow—making incorporation more viable than ever for landlords serious about growth.

You can find the latest

buy to let mortgage rates

here.

Bequeathing Time Shares to Your Kids and the Probate Procedure

Individuals who deal with time shares and probate concerns have the trouble of deciding what will take place to the real estate. For those who do not understand, probate is the legal process of moving the home of an individual upon their death. Time shares and probate costs a lot of time and money.When the deceased left a will that will be executed by the family’s legal representative, probate and time shares are typically not a problem. Squabbles of time share pieces of property can take place which is why it is recommended to include the time shares and probate considerations while doing your estate preparation.What occurs to the time shares throughout probate? The probate procedure can be objected to or uncontested. Most issues occur within the time shares and probate process since an unhappy heir desires a bigger share of the deceased’s home than that he or she initially got.Arguments most often raised include: the deceased being incorrectly influenced in making the presents, the departed did not know or was not familiar with what they were doing when the will was carried out, and the deceased did not follow the legal formalities in drafting the will. The majority of time shares and probate estates are uncontested.The fundamental procedure of transferring an estate consists of:Collecting all the pieces of property of the deceasedPaying all taxes, claims and debts owed by its estateCollecting all rights to dividends, income, etcSettling any disagreements; and last but not leastDistributing the staying property to the heirs. Normally, the departed names a person (executor) to manage the management of his/her affairs upon death. If the deceased doesn’t name one, a determination by the court will occur such as an individual agent or administrator, to settle the will and estate.There are 3 common estate-planning tools that can be utilized to avoid time shares and probate in the circulation of the individual’s property at death: joint tenancy with rights of survivorship, revocable trusts and recipient designations. Revocable trusts can be used with all types of piece of property.At this moment, time shares and probate can be prepared with these 3 tools in mind. In the lack of a will, the very best device to resolve time shares and probate issues is the through a revocable trust. Revocable trusts or sometimes called “living trusts” have the following advantages over wills:Privacy. Monetary affairs and to whom the real estate is offered are Personal. Wills and stocks of probate estates are a public record.Cost Savings. The trustee just has to continue the deceased’s financial obligatios to the properties, thus removing time shares and probate expenses.Convenience. A revocable trust makes it simpler to pass time shares and probate homes to the trustee.Continuity. Revocable trusts act as an extention of the deceased as he offers the obligations to the trustee after death to pay the bills, pay taxes, and to handle the time shares and probate and disperse possessions instantly. A deceased might wish to select to deal with time shares and probate more than one successor trustee or administrator and likewise the successor trustee and executor can be a business or private entities like a bank trust department. To deal with issues similar to these estate planning issues or for business matter guidance, this law practice can assist: