Blue banner with text "Switching property into a limited company" behind is a photo of someone signing a document

Categories: Case study | buy to let mortgages | guides | buy to let mortgage guides

In the last few years more and more landlords have switched to limited company buy to let investment to counter changes in mortgage interest tax relief. In this case study we look at a client who incorporated a mixture of property types, including one that you might not expect.

The 2025 Autumn Budget added further impetus to the trend to switch into limited company property investment. It brought news that the government would be introducing an additional 2% personal income tax charge on rental income.

The client referenced in our case study had a mixed portfolio of buy to let properties and commercial properties and approached us to help them refinance into a limited company structure.

The tax implications described here need to be discussed with a professional tax advisor. But, if you reach a decision to change your property investment strategy and need help securing limited company buy to let mortgages or commercial mortgages, this is an area of specialism for us.

 

Video guide transcript: Transferring a property portfolio into a limited company

“At the moment, a lot of landlords are looking at their portfolios and looking for efficiencies, particularly in the area of tax.

“We know from the Budget that there are changes coming in 2027 and in this particular instance, a client was looking to take all of the property within their portfolio, which comprised their buy to let and commercial premises, and they wanted to transfer that into a limited company and then have limited company finance in place across the portfolio. 

“Not only that, they wanted to add in their residential property. Typically an unregulated lender will not accept a regulated dynamic within a portfolio. 

“But, fortunately, we were able to find a lender that would accept that mixture of unregulated property and regulated property, so that we could help them transition from personal name ownership, into limited company name, and get that finance in place. 

“If you're reviewing your property, whether you've got one or many, many properties, get in touch with us, we'd be happy to give you a free portfolio review and we can help you get the finance you need.”