What's Best for Your Buy-to-Let in 2025?

1. Introduction

• The decision has long-term tax and financial consequences

• Not a one-size-fits-all answer

2. When to Use a Personal Name

• Basic rate taxpayers

• One or two properties

• Lower admin costs

• Mortgage flexibility

3. When a Limited Company Makes Sense

• Higher-rate taxpayers

• Long-term portfolio building

• Ability to retain profit inside the company

• Corporation tax vs income tax benefits

4. Mortgage Considerations

• Higher interest rates for company BTLs

• But often outweighed by tax savings

5. Exit Strategy & Capital Gains

• Differences in how CGT applies

• Inheritance planning pros and cons

6. Our Recommendation Framework

• What we tell clients based on income, goals, and timeline

7. Final Thoughts + CTA

Book a free strategy call to review your current structure and see what’s best for your portfolio.