Free 30-minute scoping call
We confirm whether incorporation is worth modelling for your portfolio, or whether the answer is already obvious one way or the other.
ReadingSloughWindsorMaidenheadMarlowHigh WycombeBracknellWokinghamHenley on ThamesBy appointment
Structure · Thames Valley
Section 24 modelling, lender alignment, and a clean transfer.
For higher-rate landlords, transferring a BTL portfolio to a limited company can recover thousands a year in lost mortgage interest relief. We model it properly, factor SDLT and CGT, align with your lender, and run the transfer. Comparison from £450.
Incorporation, by the numbers.
40%
Top-rate Section 24 cap on BTL mortgage interest relief
£3,200
Median annual saving for a higher-rate four-flat portfolio
60+
Thames Valley incorporations completed
No. 01 / Why this matters
Section 24 stops mortgage interest from being a real expense.
Since 2020, individual landlords cannot deduct mortgage interest from rental income before tax. Instead, they get a 20% tax credit on it. For higher-rate (40%) and additional-rate (45%) taxpayers this means paying tax on revenue that does not exist as profit, and the bigger the mortgage the worse it gets.
A limited company is taxed differently: mortgage interest is a fully deductible expense against rental profits. Corporation tax (currently 19% on profits up to £50,000, 25% above £250,000, with marginal relief in between) applies to the profit, and you pay personal tax only when you draw the money out.
Whether incorporation makes sense depends on your tax band, mortgage rates, draw plans and exit timeline. The ones that should incorporate often do not, and the ones that should not often do, both because the headline numbers can mislead. We run the maths properly before anything else moves.
No. 02 / What's included
The work, line by line.
Side-by-side tax comparison
Personal versus company over five and ten years, including CGT on transfer, SDLT, corporation tax, dividend withdrawal, and the time value of locked-in funds.
SDLT and CGT modelling
Multi-property uplift to the company at market value, the SDLT 3% surcharge, and CGT incorporation relief eligibility under TCGA s162.
Lender alignment
We work with your existing or planned BTL lenders to confirm they will accept the incorporated structure, and source new lending where the existing lender will not transfer.
Share structure design
Personal versus joint-spouse split, alphabet shares for dividend flexibility, and articles drafted by a partner solicitor where needed.
Transfer execution
Property valuation, conveyancing handover, accounting setup for the new company, opening balances, and the first set of statutory accounts.
No. 03 / What it costs
Project pricing, no surprises.
Comparison work is fixed-fee. Full incorporation depends on portfolio size and structure complexity.
Comparison only
£450
Decide whether incorporation pays.
- Five and ten-year tax model
- CGT and SDLT projection
- Written recommendation
- Includes 30-min review call
Most popular
Full incorporation, up to 4 properties
£2,500
Most Thames Valley portfolios.
- Everything in comparison
- Lender alignment
- Property valuations
- Share structure setup
- Transfer execution
Full incorporation, 5+ properties
From £4,500
Larger or HMO-mixed portfolios.
- Everything in mid plan
- Multi-lender coordination
- Mixed-use structuring
- Bespoke share classes
Conveyancing fees, lender arrangement fees, and SDLT itself are not included. We give you a total expected cost in writing before you commit.
I assumed incorporation was the right answer for a four-flat portfolio. They modelled it properly and showed me it would not recoup the SDLT for nine years. Saved me a five-figure mistake.
No. 04 / Common questions
What landlords ask before booking.
Clear yes: higher-rate or additional-rate taxpayer, mortgaged portfolio, plans to keep buying, will not draw all profit immediately. Clear no: basic-rate taxpayer, unmortgaged portfolio, planning to sell within five years. Most cases sit in the middle and need modelling.
Worth checking, or already sure?
Tell us your portfolio shape in 60 seconds. We will come back within one working hour with a view on whether the comparison is worth running.