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

Deal economics

Annual figures for one rental

Purchase price *

Used by the calc API for SDLT / capital (year 0)

Gross rent *

Operating costs

Exclude mortgage interest

Finance costs

Mortgage interest (s.24 for personal)

Rent growth

Cost growth

Finance growth

Personal tax profile

Owner, not the company

Other taxable income

Salary, pensions and other income this year

Tax region

England & Northern IrelandScotland (flag only)Wales (flag only)

Company profile

SPV / holding company costs

Annual accountancy / admin

Year-1 setup cost

Formation, advice, transfer — £0 if already set up

Other company profits

Affects the corporation-tax band

Associated companies (extra)

0 = this company only. Splits CT thresholds.

Horizon

Holding period and discount rate

Years

Discount rate

The calc API is unavailable. Figures are not estimated locally — retry when the service is back.

Calc API unavailable

Flask is the only source for this comparison. Local tax figures are not shown, so a down backend cannot silently mis-lean.

Already own it? The cost of moving it into a company

Moving a property you own into your company is a sale at market value: Capital Gains Tax, stamp duty and refinancing costs are due up front. This checks whether the company's lower running tax pays that back.

Result

Illustration only, not tax advice. Take regulated advice before moving a property.

Enter your figures and compare.

Educational illustration only — not tax, legal or financial advice. Figures use England & Northern Ireland rates — 2026/27 for year 1, then 2027/28 (property income taxed at 22/42/47%) — and a simplified model. Always take regulated advice before changing how a property is owned. Full disclaimer.