New data from Lendlord reveals that company ownership now represents 45.1% of the UK buy-to-let market, edging closer to private individual ownership, which stands at 54.9%. This shift is particularly pronounced among larger landlords: those with portfolios of 20 or more properties hold 57.6% of their assets through companies. This suggests a growing preference for limited company structures as portfolios expand.
The rise in company ownership is likely driven by tax efficiencies and liability protection offered by corporate entities. Since the 2017 changes to mortgage interest tax relief and the ongoing evolution of capital gains rules, many landlords have found it more financially viable to operate through limited companies. Our own analysis confirms that company ownership is disproportionately higher among professional landlords managing substantial portfolios.
For investors, this trend signals a maturing market where buy-to-let is increasingly treated as a business rather than a hobby. Smaller landlords still dominate in volume, but the corporate segment is capturing a growing share of the market’s value. This could influence lending criteria, property management practices, and exit strategies over the coming years.
Overall, the data suggests that company ownership will continue to rise, especially as landlords look to scale and optimise tax positions. Private landlords should consider the long-term implications of this shift on their investment approach and financing options.
Source: Property118
