Your Tax Return Done in 3 Easy Steps for Just £175+VAT. Call or Email us Now
Your Tax Return Done in 3 Easy Steps for Just £175+VAT. Call or Email us Now
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Limited Companies for Landlords

When you own multiple rental properties and decide to incorporate, the way you handle tax has to change. As your property business grows, we’ll be there to help. We’re with you for the journey.

Our landlord tax experts can help

Fill in your details below to get the advice and support you need

We will only contact you in relation to the latest news & updates that we think will be of interest to you. We will not disclose your information to any third party and you can unsubscribe from our database at any time.

Why use a limited company

For anyone who is a higher rate taxpayer or who wants to avoid paying inheritance tax on their property investments, ownership through a limited company is almost certainly to be the best structure to hold your property in. Let us demonstrate this to you with a comparison of the tax savings of ownership in a limited company v personal ownership.
Limited Companies for Landlords

Done correctly, owning rental properties through a limited company can save you £000’s in tax.

We make life easy for landlords with limited companies, save you £00’s in tax every year and show you how to pass on your property wealth to the next generation. Here’s how we do it…

When setting up a limited company it’s important to get the set up right from the start. For example, if you’re married should you include your spouse? What percentage of shares should you both have? What about including any children? What do mortgage lenders allow? Will my personal address be on view at Companies House? What are my legal responsibilities and filing requirements. Do I need a separate business bank account? How do you take money out of the company? There’s quite a few things you should consider when setting up a limited company and we’re here to help you navigate the initial set up so that it’s right for you.

Whether you want your accounts done on an annual basis or more frequently, leave all the bookkeeping to us. We offer a range of services to suit all needs. Get your accounts done in just 3 easy steps with a dedicated accountant to give you that one on one personal service.

1. Email or give us a call

We get to grips with your personal situation, discuss the records we need and confirm our fee.

2. Send us your Records/info (We’ll do the rest)

Send us your information and documents by email, post or upload to our secure online client portal

3. Approve and We’ll Submit

You get a full copy of your final accounts for approval with a detailed calculation. We advise on tax savings and profit extraction. Once you've signed off we'll do the filing with HMRC and Companies House.

The Corporation Tax rate for companies is still just 19% on profits up to £50,000. For higher rate tax payers that’s an instant tax saving compared to the 40% you would pay if you purchased property in your personal name.

Each year you are entitled to draw down tax free dividends which are currently £500 per person. There are a number of other tax saving measures which we advise you on an annual basis which amounts to £00’s additional tax free income. You get a dedicated accountant who will discuss the full range of tax saving opportunities available to you and help you implement them.

Set up correctly as a Family Investment Company, your limited company can provide an effective way for a family to pass on wealth to the next generation. The main benefits are a substantial reduction in inheritance tax whilst allowing the founding generation. i.e. you as parents, to retain control over the company, the tax free return of any funds you place in the company and access to the rental profits if required.

This is achieved by a rewriting of the company articles and share rights so that any increase in the value of the company, i.e. a rise in the value of the properties is effectively gifted by the parents to the next generation.

Limited companies can still set off mortgage interest costs directly against rental income. For higher rate taxpayers this makes the use of a limited company particularly attractive.

The fee we quote is the fee you pay. No hidden extras or surprise charges. Just clear pricing.

Set Up Fees for Limited Companies

Standard Set Up

If you’re setting up a Standard Limited Company, this is the package for you
What's included
From

£125 + VAT

Family Investment

If you’re setting up a Family Investment Company, our expert team can help with this.
What's included

Contact us for your fixed fee quote

Property Management

If you’re setting up a Property Management Company, our expert team can help with this.
What's included
From

£125 + VAT

Accounts

Annual Accounts

£575 + VAT

What's included
Monthly/Qaurterly Accounts

£75 + VAT p/m

What's included

Airbnb

For investors with short term lets on platforms such as Airbnb looking for a cost effective comprehensive service
What's included
From

£675 + VAT

Property Tax Fees for Limited Companies

If you’re a landlord operating your property business through a limited company, our fees will vary depending on the size of your portfolio and complexity of your financial situation. But don’t worry – we’re always focused on offering great value, accuracy and efficiency.

Download our FREE UK Property Tax Guide.

A simple guide to property rental income tax and property capital gains tax for UK Landlords.
  • Current tax rules
  • Dealing with HMRC
  • How our tax system works outside of PAYE
Tax & Accounting Services

Our limited company tax services are for
you if you…

Our team of experts can give you advice on how to incorporate if you have gone from one apartment or house to several and are considering the possible tax benefits. Don’t make an uninformed decision on tax without all the facts at hand. Instead, speak to one of our specialists today.

In the event that property started out as just one part of your business but has grown into your primary business, you need an accountant who specialises in property tax.

Let us handle your limited company’s accounting, reporting, and returns to HMRC – and we’ll even lower your tax bill along the way.

Limited Companies for Landlords
“Following my relocation to Spain, I rented my UK property, due to poor advice I failed to submit a self assessment tax return by the date required, hence I was bombarded with letters from HMRC. I contacted Thandi Nicholls Ltd who resolved this issue and have continued to look after my Tax Return on an annual basis. Due to Brexit my UK property has been sold and I no longer have a tax liability in the UK. I found Thandi Nicholls to be professional, very easy to deal with, but most of all they removed the pressure and stress relating to the tax issues. Thank you T N, I would be more than happy to recommend this company.”
Stephen C - May 2023 Via FreeIndex

Why Use a Limited Company

Higher rate taxpayers who own property in their own names will pay income tax at 40% (or higher). The same profits are taxed at 19% in a limited company (this rate may increase after 1st April 2023 for profits over £50,000 or more). Using the tax savings, the company can pay off any mortgages or fund a deposit for additional properties.

Additionally, you are no longer eligible for full tax relief on mortgage interest on property held in your name as a higher rate taxpayer. There is a 20% limit on the tax relief on mortgage interest. It is still possible for a company to get full tax relief.

It is also possible to withdraw tax-free dividends from a limited company up to £2000.

For any loans or deposits that you have given the company to purchase a property, you can also receive up to £500 interest tax-free as a higher rate taxpayer (provided your total income is less than £150,000).

This is possible, but it must be done with great caution. Transfers are considered to be sales at market value, so the following considerations apply:

To pay off any outstanding loan, what are the additional costs of a company mortgage? Limited companies may have higher financing costs.

Does stamp duty apply? In addition to the standard SDLT rate, a higher rate surcharge of 5% applies to properties worth more than £40k.

Is there a capital gains tax due?

Without professional advice, combining these three factors could lead to a very expensive tax bill.

It may be more advantageous to purchase a property from the outset rather than transfer in.

You can extract funds from your property company as a shareholder/director in the following ways:

Dividends are paid from after-tax profits. If you don’t have other dividend income, the first £2000 is tax-free.

You should pay yourself a salary. A salary may be a good idea if you don’t have any other income. In order to qualify for corporation tax benefits, the salary must be justified. You would probably have trouble justifying paying a salary to yourself if a letting agent managed your properties.

Repay a loan you made to the company. Taxes would not apply to this.

The company pays you interest on loans or money owed to you. A basic rate taxpayer can claim a tax exemption of £1000 and a higher rate taxpayer can claim a tax exemption of £500 (income up to a top rate of £150,000).

Yes, of course. Since April 2015, the number of lenders and mortgages for limited companies has steadily increased. In spite of this, a limited company mortgage still incurs higher interest rates than an individual’s mortgage. It is important to note, however, that some lenders charge the same rate regardless of the type of mortgage.

An account for directors loan (DLA) keeps track of how much you borrow from or lend to your company. The account is in credit if the company borrows more from its directors than it lends. The tax consequences and penalties of borrowing money from your company makes it often unwise to do so.

Yes, it is possible to borrow money from your company to buy a house. However, there are tax consequences and penalties associated with this, so it is often unwise to do so. If you have loaned the company money for a deposit or other purposes, you are entitled to charge the company a commercial rate of interest for the loan. Higher rate taxpayers can receive £500 tax-free, and basic rate taxpayers can receive £1000 tax-free each year.

Yes, you can live in a property owned by your limited company. However, there are a few important points to consider:

– Personal Use: If you choose to live in a property owned by your limited company, it will be considered a benefit in kind and may have tax implications. You may need to pay tax on the value of the benefit received.

– Market Rent: To avoid tax implications, it is advisable to pay market rent to your limited company for living in the property. This ensures that you are treating the arrangement as a commercial transaction.

– Mortgage and Financing: Financing a property owned by a limited company may have different requirements compared to personal mortgages. It’s important to consult with a mortgage advisor who specializes in limited company buy-to-let mortgages.

– Legal and Accounting Advice: It is recommended to seek professional advice from a solicitor and an accountant who are experienced in property and company law. They can guide you through the legal and tax implications of living in a property owned by your limited company.

Yes, you can rent your property to your limited company. Renting your property to your limited company can have certain benefits, but it’s important to consider all the relevant factors and seek professional advice to make the right decision for your specific circumstances. It’s advisable to consult with a tax advisor or accountant who specializes in landlord tax and limited company structures to ensure you understand the implications and make an informed decision.

Yes, it is possible to sell your house to your limited company. However, there are several considerations to keep in mind:

– Transfers of properties to a limited company are considered sales at market value.

– You would need to pay off any outstanding loans on the property.

– Additional costs, such as company mortgage financing costs and stamp duty, may apply.

It’s important to approach this process with caution and seek appropriate professional advice. UK Landlord Tax can provide guidance and help you make the right choice based on your specific circumstances.

Transferring your property to a limited company is possible, but it should be done with caution. Here are some considerations:

– Transfers are treated as sales at market value, so additional costs like paying off outstanding loans and company mortgage financing costs should be taken into account. – Stamp duty may apply, including a higher rate surcharge of 3% for properties worth more than £40,000.

– Administrative responsibilities come with being a limited company director, such as filing accounts with Companies House and submitting corporation tax returns to HMRC.

– Transferring a property you already own to a limited company can be complicated and may incur stamp duty and capital gains tax charges.

– Owning property through a limited company offers asset protection and potential tax advantages, such as tax relief and tax-free dividends.

Yes, it is. A commercial rate of interest can be charged for loans that are made to the company for deposits or other purposes. Every year, higher rate taxpayers can receive £500 tax-free and lower rate taxpayers can receive £1000 tax-free.

There are some advantages to being a limited company when it comes to IHT. Family Investment Companies can be set up to mitigate IHT in future years. In brief, a company consists of two types of shares. There are shares A and B. As the owner of the A shares, you are entitled to dividends and voting rights.

All future growth belongs to the B Shares. In this way, the director retains control while giving away value.

As far as IHT is concerned, the growth on the investments will largely be outside of individuals’ estates.

It can be difficult to implement this type of tax structure without the assistance of a professional advisor who has the necessary expertise and knowledge in these matters. Please see the following for further information. You can also contact us for more information.

SPV – Special Purpose Vehicle

A SPV is a generic term for any entity that you establish for a particular purpose. SPVs can be limited companies, limited liability partnerships, or partnerships.

When purchasing property through a company, many lenders require you to establish a limited company SPV.

Profits of limited companies are taxed at 19%.

The Government has proposed taxing the first £50,000 of profits at 19%, the next £200,000 at 26.5%, and the remaining profits at 25% from 1st April 2023. Associated companies that share common control share the bands equally.

Yes, this is correct. Limited company shareholders are normally able to receive tax-free dividends up to £2000.

Here are some key points to know when buying a property through your limited company:

– Individual Ownership vs. Limited Company: Properties can be held either in individual names or in a limited company. Owning through a limited company has its advantages and disadvantages, so it’s important to weigh the factors specific to your circumstances and objectives.

– Tax Implications: Owning a buy-to-let property through a limited company can have different tax implications compared to individual ownership. Limited companies are subject to corporation tax on rental profits, which is currently lower than the income tax rates for individuals. However, recent tax changes have reduced some of the tax advantages of owning through a limited company.

– Mortgage Availability: Finding mortgage lenders for limited company buy-to-let properties can be more challenging compared to individual ownership. The number of lenders offering such mortgages may be limited, and interest rates might be higher.

– Inheritance Tax Planning: Limited companies can offer certain advantages for inheritance tax planning, such as using alphabet shares. However, other strategies, such as selling properties in retirement and gifting money to children, may also be considered.

In the UK, a company can rent a house for an employee. This is known as a company let or a corporate let. It is a common practice for companies to provide housing for their employees, especially for those who are relocating or on temporary assignments. Renting a house for an employee can offer convenience and flexibility for both the company and the employee. The rental agreement would be between the company and the landlord, and the employee would typically be the occupant of the property.

Yes, a limited company can lend money to an individual. However, it’s important to note that there may be tax implications and considerations when lending money between a company and an individual.

Get your landlord tax return sorted

© UKLandlordTax.co.uk 2025

UKLandlordTax.co.uk is the trading name of Thandi Nicholls Ltd Accountants Registered Office: Creative Industries Centre, Glaisher Drive, Wolverhampton WV10 9TG.

Registered in England. Company Number 7319439. Director S S Thandi BA

Property Management Company

Set up your property management limited company correctly for just £125+VAT.

From

£125 + VAT

Thinking of setting up a limited company to manage your own or other landlords property? A limited company is a great way to give you flexibility, protection and keep tax levels to a minimum.

Start your company with us and we'll take care of the details, so you can avoid costly tax mistakes and focus on buying your property.

Made for property.

We'll set up your company specifically for property management and handle the tax compliance too.

Bespoke set up tailored for you.

We offer a range of company structures, personalised to fit your unique investment needs.

Tax advise

If you need tax advice, our team of tax advisors will guide you on the best setup and structure for your situation.

Things you need to consider before setting up your limited company:

Directors & shareholders

Who should you appoint as directors and shareholders? This has consequences not only for the running of the company but something mortgage lenders will check to see if it is in line with their criteria.

The Registered Office Address

If you use your personal address as the registered office address this will appear on public view at Companies House. Do you really want your private address on public display? It’s also where any notices and official correspondence is sent to. For that reason you may wish to use our offices as the registered office address. We’ll ensure your privacy and you can have peace of mind knowing that you will never miss a notice or important correspondence.

SIC Codes (Standard Industrial Classification)

These define the companies business activities and are important especially when applying for mortgage finance. Whether you’re buying and renting, or selling on we’ll make sure the rights SIC codes are in place

Share Classes

If you’re a sole director and shareholder then it’s quite simple. You just need one class of shares – Ordinary. If you’re married or joint investors then you may need something that gives you flexibility and choice. To take advantage of different tax levels and other requirements, issuing Alphabet shares may be more beneficial. We’ll discuss this with you and advise on the best structure for you.
*All fees are plus VAT unless you reside outside of the UK.

Family Investment Company

Protect your property wealth for the next generation

Contact us for your fixed fee quote

Set up correctly, a Family Investment Company can provide an effective way for a family to pass on wealth to the next generation. The main benefits are a substantial reduction in inheritance tax whilst allowing the founding generation, such as parents, to retain control over the company, the tax free return of any funds given to the company i.e. deposits, and access to the rental profits if required.

This is achieved by a rewriting of the company articles and share rights so that any increase in the value of the company, i.e. a rise in the value of the properties is effectively gifted by the parents to the next generation. This involves the use of an alphabet share structure with different rights assigned to each class of shares, for example A, B, C, and D shares.

Every FIC we set up is unique to you and tailored to your specific needs and family circumstances. No one size fits all and there will be questions such as:-
  • Do you need protection for yourself as a director so that you retain control on the day to day running of the company?
  • What are the ages of your children. Many mortgage lenders have restriction on the level of shares they can hold as minors. We can help you overcome this with the right structure.
  • Do you want to retain rights to any future gains or are you happy to just participate in rental profits?
  • Who gets voting rights?
  • What about protection in the case of divorce of one of your children?
  • What if you decide to have more children?
  • What does HMRC say about FICs?
  • How does distribution of income work between all shareholders?
  • What if I decide I no longer want the FIC?
  • What about a discretionary trust
  • Can it help me protect a vulnerable or disabled child/
Plus many more..

It is therefore not possible to give a fee quote without knowing your circumstances or requirements. Indeed we advise that you engage with us to fully understand what a FIC is and how it can really help you before you decide to go ahead. The best way to find out is to get in touch and arrange a consultation to get a meaningful quote based on your individual position.
*All fees are plus VAT unless you reside outside of the UK.

Standard Set Up

Set up your limited company correctly for just £125+VAT.

From

£125 + VAT

It is important to ensure that your buy-to-let limited company is set up correctly from the start. With UKlandlordtax we can make sure that you avoid costly set up errors and help you complete your purchase smoothly with the right company set up for you and your family.

When set up correctly, limited companies offer a great way to purchase investment property, help keep your tax levels down and provide flexibility and protection. Start your company with us and we'll take care of the details, so you can avoid costly tax mistakes and focus on buying your property.

Made for property.

We'll set up your company specifically for property investment, and handle the tax compliance too.

Bespoke set up tailored for you.

We offer a range of company structures, personalised to fit your unique investment needs.

Ensure a Mortgage-friendly set up.

We'll ensure your company meets lender requirements for buy-to-let mortgages.

Tax advise

If you need tax advice, our team of tax advisors will guide you on the best setup and structure for your situation.

Things you need to consider before setting up your limited company:

Directors & shareholders

Who should you appoint as directors and shareholders? This has consequences not only for the running of the company but something mortgage lenders will check to see if it is in line with their criteria.

The Registered Office Address

If you use your personal address as the registered office address this will appear on public view at Companies House. Do you really want your private address on public display? It’s also where any notices and official correspondence is sent to. For that reason you may wish to use our offices as the registered office address. We’ll ensure your privacy and you can have peace of mind knowing that you will never miss a notice or important correspondence.

SIC Codes (Standard Industrial Classification)

These define the companies business activities and are important especially when applying for mortgage finance. Whether you’re buying and renting, or selling on we’ll make sure the rights SIC codes are in place

Share Classes

If you’re a sole director and shareholder then it’s quite simple. You just need one class of shares – Ordinary. If you’re married or joint investors then you may need something that gives you flexibility and choice. To take advantage of different tax levels and other requirements, issuing Alphabet shares may be more beneficial. We’ll discuss this with you and advise on the best structure for you.
*All fees are plus VAT unless you reside outside of the UK. a

Monthly or Quarterly Accounts With All Bookkeeping Done By Us & XERO Accounts Software Included Too

Get up to £800 of tax free income per year per Director/shareholder*

from £75 + VAT p/m

Summary

  • Email Or Give Us A Call
  • 2. We'll get you set up and we'll do the rest
  • 3. Accounts and Tax updated quarter

Plan Features

  • Dedicated Accountant for day to day contact and support on any aspect of your accounts and tax
  • Bespoke templates to assist with recording your business mileage and privately paid business expenses
  • Proactive advice on tax minimisation
  • Our guides on all you need to know about operating a limited company
  • Comprehensive self-help guides and tips
  • Phone & email support, 8-4 Monday to Friday included
  • Includes free 30 minute consultation with one of our tax advisers

Company Structures

  • No limit on shareholders
  • Ordinary shares
  • Alphabet shares (A/B etc)
  • Growth/Freezer Shares
  • Complex Share classes & Rights
  • Family Investment companies
  • Corporate Shareholders
  • Non-UK Shareholders

Accounts & Tax Returns

  • Ensuring all privately funded expenses are included in the accounts.
  • Bookkeeping completed on a quarterly basis with a direct bank feed to your company bank account giving you 24 hour access and view
  • Final accounts submitted to Companies House
  • CT600 Tax Returns submitted to HMRC

Supported Properties

  • Buy to let
  • Rent to Rent
  • Commercial (not opted to tax)
  • 1 Property included
  • £15 + VAT pm per additional property
  • If you own an HMO property within your company, please contact us directly for a personalised quote.

Supported Bank Accounts

  • 1 Main company bank account in GBP with CSV download
  • £5 + VAT per month per additional company bank account or credit card in any currency

Additional Add on Services

  • Incorporation of a Limited Company starting from £125 +VAT
  • Confirmation Statement £70 + VAT in addition to the Companies House fee of £34 no VAT
  • Registered office service £70 + VAT invoiced annually
  • Fee Protection £2 per month
  • ATED Nil Relief Return -£180 + VAT per return
  • ATED Chargeable Return - £225 + VAT per return
  • Discount for Personal Tax return for all Directors
  • * Subject to any Director being a shareholder and having no other UK Dividend income
*All fees are plus VAT unless you reside outside of the UK.

Annual Year End Accounts With Bookkeeping Included

Get up to £800 of tax free benefits per tax year per Director/shareholder*

from £575 + VAT

Summary

  • Email Or Give Us A Call
  • Send us your Records/Info (We'll do the rest)
  • Approve and We'll Submit

Plan Features

  • Advice on Capital v Revenue expenditure
  • Our guides on all you need to know about operating a limited company
  • Annual advice on tax minimisation at the year end
  • Dedicated Accountant for day to day contact and support on any aspect of your accounts and tax
  • Bespoke templates to assist with your record keeping, ready for you to send to us your information at the end of the financial year

Company Structures

  • No limit on shareholders
  • Ordinary shares
  • Alphabet shares (A/B etc)
  • Growth/Freezer Shares
  • Complex Share classes & Rights
  • Family Investment companies
  • Corporate Shareholders
  • Non-UK Shareholders

Accounts & Tax Returns

  • Final accounts submitted to Companies House
  • Bookkeeping completed annually based on source documents e.g. bank, letting agent and mortgage statements. You send us your records, we'll do the rest.
  • Ensuring all allowable privately funded expenses are included in the accounts.
  • CT600 Tax Returns submitted to HMRC

Supported Properties

  • Buy to let
  • Rent to Rent
  • Commercial (not opted to tax)
  • 1 Property included
  • Thereafter £100 + VAT per additional property per year
  • If you own an HMO property within your company, please contact us directly for a personalised quote.

Supported Bank Accounts

  • Main company bank account in GBP with CSV download
  • £50 + VAT per additional GBP company bank account or credit card
  • £75 + VAT per additional non GBP company bank account or credit card

Additional Add on Services

  • Incorporation of a Limited Company starting from £125 +VAT
  • Confirmation Statement £70 + VAT in addition to the Companies House fee of £34 no VAT
  • Registered office service £70 + VAT invoiced annually
  • £25 + VAT per year fee protection
  • ATED Nil Relief Return -£180 + VAT per return
  • ATED Chargeable Return - £225 + VAT per return
  • Discount for Personal Tax return for all Directors
  • * Subject to any Director being a shareholder and having no other UK Dividend income
*All fees are plus VAT unless you reside outside of the UK.

Airbnb & Serviced Accommodation Annual Accounts With Bookkeeping Included

Get up to £800 of tax free benefits per tax year per Director/shareholder*

From

£675 + VAT

Summary

  • Email Or Give Us A Call
  • Send us your Records/Info (We'll do the rest)
  • Approve and We'll Submit

Plan Features

  • Annual advice on tax minimisation
  • Our guides on all you need to know about operating a limited company for serviced accommodation and Airbnb lets
  • Bespoke templates to assist with recording your business mileage and privately paid business expenses
  • Dedicated Accountant for day to day contact and support on any aspect of your accounts and tax
  • Comprehensive self-help guides and tips
  • Phone & email support, 8-4 Monday to Friday

Company Structures

  • No limit on shareholders
  • Ordinary shares
  • Alphabet shares (A/B etc)
  • Growth/Freezer Shares
  • Complex Share classes & Rights
  • Family Investment companies
  • Corporate Shareholders
  • Non-UK Shareholders

Accounts & Tax Returns

  • Final accounts submitted to Companies House
  • Bookkeeping completed annually based on source documents e.g. bank, letting agent and mortgage statements. You send us your records, we'll do the rest.
  • Ensuring all privately funded expenses are included in the accounts.
  • CT600 Tax Returns submitted to HMRC

Supported Properties

  • Furnished Holiday Lets(FHL)
  • Serviced Accommodation
  • Short Term lets
  • Holiday Homes
  • 1 Property included
  • Therafter £200 + VAT per additional property per year

Supported Bank Accounts

  • 1 Main company bank account with CSV download
  • £50 + VAT per additional GBP company bank account or credit card
  • £75 + VAT per additional non GBP company bank account or credit card

Additional Add on Services

  • Incorporation of a Limited Company starting from £125 +VAT
  • Confirmation Statement £70 + VAT in addition to the Companies House fee of £34 no VAT
  • Registered office service £70 + VAT invoiced annually
  • Fee Protection £2 per month
  • ATED Nil Relief Return -£180 + VAT per return
  • ATED Chargeable Return - £225 + VAT per return
  • Assist in Registering for VAT
  • Discount for Personal Tax return for all Directors
  • * Subject to any Director being a shareholder and having no other UK Dividend income
*All fees are plus VAT unless you reside outside of the UK.