The Bank of England’s’ definition of a portfolio investor is anyone with four or more mortgaged BTL properties.
In 2025, The Mortgage Works and Pegasus Insight provided a profile of the current market for limited company landlords (Limited Company Landlords: Profiling the Market (Q3 2025).
Remortgaging at Company Buy to Let
This states that limited company landlords are far more likely to use borrowing (such as mortgages) to support their lettings businesses in comparison to individuals. 68% of limited company landlords borrow in order to fund their rental portfolios in comparison to 54% as individuals. On average, limited company landlords hold an average of 9.1 buy to let loans in comparison to those in their individual capacity at 5.6.
Approximately 48% of limited company landlords are planning to remortgage or complete a product transfer in the next 12 months with 64% intending to do those through their limited companies. 18% of limited company landlords are also expected to purchase property through this structure in the next 12 months.
It is shown that in 2021-2023 landlords intending to purchase using limited company had a strong upwards trend.
The average property portfolio for limited company landlords is estimated to be an average of £3.2M with an average gross rental income of £157k. In terms of profitability, the report states that 85% of limited company landlords are making profit, with 9% breaking even and 6% making a loss.
It is shown that in 2021-2023 landlords intending to purchase using limited company had a strong upwards trend. It is clear that the limited company structure is becoming a popular choice for property investors and landlords when purchasing or remortgaging property.
Landlords with HMOs
In March 2026, Landlord Today confirmed that more than one in five landlords operate at least a part of their portfolio through a limited company.
Limited company landlords are also twice as likely to own Houses in Multiple Occupation (HMOs) and 35% already have at least one HMO in their portfolio. (Limited company landlords taking bigger share of market.
In practice, many people choose to use a limited company structure because:
- Separate Legal Personality – The company is the legal owner of the property (bear in mind that mortgage lenders will often require a Personal Guarantee which adds a personal liability to the mortgage).
- Tax – always seek the professional advice before making any decisions in relation to tax.
- Flexibility – Hold properties with multiple shareholders / family members via shares, separate investment activity from personal finances, plan succession by transferring shares rather than property (again always seek professional tax advice in relation to this).
How can Attwells help?
At Attwells, we have the expertise in making limited company conveyancing smooth, compliant and lender‑ready. Acting for company buyers and investors, we ensure the company has proper authority to purchase and borrow, review corporate structure and documentation, and deal with additional lender requirements such as personal guarantees, debentures and execution formalities.
We also handle the increased due‑diligence burden that comes with corporate ownership, including verifying directors and shareholders, checking the property is acquired in line with the company’s objects, and ensuring title and lease provisions meet buy‑to‑let lending criteria.
For portfolio landlords, we have the expertise to streamline repeat transactions, anticipate common lender issues, and coordinate closely with brokers and accountants to keep timescales tight—helping investors complete quickly, avoid avoidable delays, and protect their long‑term investment strategy.
To speak with our Company Buy to Let lawyers about your investment plans, contact Attwells Solicitors our Head Office on 01473 22920.
