New research by Coventry for Intermediaries reveals that 72% of limited company Buy To Let landlords entered the market in the past five years with nearly a third (30%) entering for the first time.
This growth is expected to continue, with 50% of landlords planning to expand their portfolios in the next couple of years.
Recent changes to tax policy and new regulations, such as the Renters Reform Bill and Capital Gains Tax, have accelerated this shift. For 41% of landlords surveyed, tax efficiency was the main reason for incorporating, as they seek more structured and tax-efficient approaches to portfolio management.
Coventry’s latest report 90% of brokers advising on limited company BTL mortgages in the past three years – a sharp increase from a quarter advising on them a decade ago.
Despite this, the society’s research shows only 35% of landlords arranged their most recent limited company BTL mortgage through a broker, leaving a significant share of landlords who may not be receiving professional advice.
Other key insights from the research include;
- 47% of landlords with 4+ properties have incorporated in the last five years, compared to 30% of smaller landlords (owning 1–3 properties)
- 33% of landlords view understanding legal and tax implications as a key barrier to incorporating
- 45% of landlords went direct to a mortgage provider for their most recent property purchased through their limited company
Jonathan Stinton, Head of Intermediary Relationships at Coventry for intermediaries says: “Landlords are looking for more than just the best rate – they want sound, strategic advice to help them grow professionally and navigate the complexity of limited company BTL. That’s a golden opportunity for brokers to deepen relationships and offer real value.
“Our research shows a clear shift toward professionalisation, with landlords making more structured, long-term decisions. This creates the opportunity for brokers to widen their client base to new property investors and support landlords on their limited
company BTL journeys.”
Coventry’s latest report, The broker’s guide to limited company BTL mortgages,is available now.
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