Personal vs Ltd Co
After-tax illustration for a UK residential landlord — holding personally versus in a limited company.
2026/27 → 2027/28+England & NI ratesEducational only · not advice
Before you use this calculator
Educational illustration only — not advice. Please read and confirm.
I understand — continue to the calculator
- This tool is an educational illustration of after-tax cash for a residential landlord holding a property personally versus in a limited company.
- It is not tax advice, legal advice, financial advice, or a recommendation to change ownership structure.
- Rates are England & Northern Ireland: 2026/27 for year 1, then 2027/28 from year 2, when property income is taxed at 22/42/47% and mortgage interest relief rises to 22%. Scotland and Wales are flagged only — they are not modelled as separate tax systems here.
- Outputs are a soft lean only (which structure left more after tax in this model). The tool will never tell you to incorporate, or to do anything now.
- Always take regulated advice from a qualified accountant or tax adviser before acting.