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 as an individual. This is the simpler of the two structures — there is no company to set up or maintain, and financing is generally more straightforward.

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 rates may be more favourable than higher-rate personal Income Tax — though rates are subject to change, so we recommend checking the latest HMRC guidance

• 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

What are the benefits of personal ownership?

Personal ownership may be better suited to landlords who are just starting out or own a single property. Key benefits include:

• Simplicity – No company formation, filing obligations, or additional administration

• Wider mortgage choice – A broader range of mortgage products is typically available for personal ownership

• Lower upfront costs – No company set-up fees or ongoing accountancy requirements for a separate entity

• Capital Gains Tax allowance – Individuals can use their annual CGT exemption when selling a property

How can GetGround support both personal and company landlords?

Whether you hold property in your own name or through a limited company, GetGround gives you the tools to manage your buy-to-let investments confidently — from company formation and mortgage access through to ongoing accounting and portfolio insights:

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