Personal Ownership vs Company Ownership: What’s the Difference?

What is the difference between personal and company ownership?

Personal ownership means the property is held in your own name.

Company ownership means the property is owned through a limited company, often set up specifically for property investment (known as a Special Purpose Vehicle, or SPV).

What are the benefits of company ownership?

Company ownership can be more tax-efficient and better suited for landlords with multiple properties. Key benefits include:

• Tax efficiency – Corporation Tax is often lower than higher-rate personal tax

• Mortgage interest relief – Companies can usually deduct the full cost of mortgage interest

• Portfolio growth – Easier to reinvest profits for expansion

• Limited liability – Your personal assets are legally separate from your company’s assets

How can GetGround support both personal and company landlords?

Whether you hold property in your own name or through a limited company, we offer tools and services to help you manage your buy-to-let investments more efficiently:

For company landlords:

• Set up and manage your limited company with ease

• Open a dedicated financial account via the Landlord Wallet

• Access buy-to-let mortgages for company structures

• Get help with annual accounts, tax filings and compliance

For personal landlords:

• Use our platform to track rental income and expenses

• Store tenancy agreements and financial documents securely

• Get real-time insights into your portfolio’s performance

• Prepare for future investment decisions with data-driven tools