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Should I transfer my property to a limited company?

With the increased popularity of limited company ownership, property investors who already own buy-to-let find themselves asking “Should I transfer my property to a limited company?”. We’re here to help you answer that question, and a few others:
What are the benefits and disadvantages of transferring property to a limited company?
How do you transfer your property into a limited company?
What are the requirements for property transfer to a company?
How do you calculate whether transferring your property will save you money?
Calculate how much you could save
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Find out if transferring to a limited company is right for you...
Calculate how much you could save
The advantages of transferring your property investment to a limited company
Tax efficiency
Lower corporate tax rate, especially for high-rate taxpayers, may reduce the tax burden.
Mortgage interest deductions
Companies can still deduct full mortgage interest as an expense, unlike individual landlords under recent tax restrictions.
Growth and flexibility
A company structure may make it easier to expand your portfolio, sell and buy shares or pass properties to heirs.
transfer property to limited company
The disadvantages of transferring your property investment to a limited company
Initial costs
Capital Gains Tax (CGT) and Stamp Duty Land Tax (SDLT) are immediate costs that can be substantial.
Mortgage costs
Getting a new mortgage can result in higher rates and fees.
Ongoing costs
Running a limited company requires regular filings, accounts, and compliance with HMRC and Companies House.
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Step-by-step
How to transfer your property investment
Calculate how much you could save
1
Set up a limited company
This company should be set up specifically for holding property assets to streamline accounting and taxes. Choose a SIC (Standard Industrial Classification) code appropriate for property investment, such as "68209" (letting and operating of own or leased real estate). This can be done via GetGround with purpose-built legal documents, a UK address, postal management, and an easy-open business account.
2
Check mortgage implications
Contact your mortgage provider to discuss transferring the mortgage to your company name. Not all lenders allow this transfer, so you may need to remortgage with a lender who offers limited company buy-to-let mortgages. GetGround can help you access whole-of-market lenders who specialise in buy-to-let mortgages.
3
Transfer your property by way of selling
In legal terms, you are selling the property from yourself to your company. This means your company may have to pay Stamp Duty Land Tax (SDLT) on the property purchase, including any surcharge for second properties (5% in the UK). You may also have to pay Capital Gains Tax (CGT) if the property has appreciated since you bought it. CGT rates are 18% or 24% depending on your income.
Find out if transferring to a limited company is right for you...
Calculate how much you could save
The requirements to transfer your property to a limited company
The process has many moving parts, as in legal terms, it is similar to selling you investment. It is important to know what you will need to transfer your property into a limited company.
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Purpose-designed limited company
with the SIC code 68209
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Viable mortgage option
whether that's switching your mortgage to the limited company or remortgaging
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Solicitor
to handle the technical sale of your property from your personal name to the newly incorporated company
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Admin and compliance
Company documentation and filing, updating the HM Land Registry
Calculate your savings when transferring your property to a limited company
Often the reason to switch from personal ownership to a limited company structure is the tax efficiencies that companies offer, especially in times where regulations are often shifting. However, it is important to calculate whether this switch is actually beneficial to your investment strategy.
At GetGround we don't assist with specific tax advice on this topic and recommend seeking it before progressing with transferring the property. However, to simplify your property investing journey, we created a calculator so you can see whether transferring your property is the right choice for you, find out below.
Calculate how much you could save
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Find out if transferring to a limited company is right for you...
Calculate how much you could save
Making the process easier
How GetGround can help transfer your property into a limited company
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