Limited Company Buy-to-Let Setup Advice
We help Cardiff landlords set up limited companies for buy-to-let properties, navigating the tax rules and paperwork so you can protect your assets and keep more of what you earn. Whether you're buying your first rental or restructuring an existing portfolio, we'll guide you through every step.
Everything under limited company buy-to-let setup
From choosing the right structure to securing your mortgage and staying compliant, we cover all the moving parts of setting up a property company in Cardiff and South Wales.
SPV Company Formation
Registering your Special Purpose Vehicle with Companies House and setting up the right structure for your rental business.
Property Transfer Advice
Planning the most tax-efficient way to move existing properties into your limited company.
Mortgage & Lender Liaison
Working alongside your broker to ensure your accounts and forecasts meet lender requirements.
Ongoing Company Accounts
Annual filings, corporation tax returns and bookkeeping tailored to property landlords.
Why landlords in Cardiff are moving to limited companies
Since 2016, the tax landscape for landlords has shifted. If you own rental properties personally, you can no longer deduct all your mortgage interest from your rental income before paying tax. For higher-rate taxpayers, that change has made a real dent in take-home profit. Setting up a limited company to hold your buy-to-let properties lets you claim full mortgage interest relief and pay corporation tax on profits instead of income tax, often at a lower rate.
It is not right for everyone, and the setup involves some cost and complexity. But if you are expanding your portfolio or already paying higher-rate tax, the numbers usually stack up. We help Cardiff landlords decide whether a limited company makes sense, then handle the formation, transfers and ongoing compliance so you can focus on finding tenants and managing properties.
We take the headache out of company setup so you can get on with being a landlord.
More information
How we help you get started
First, we look at your current position: how many properties you own, your tax bracket, your plans for growth. If a limited company is the right move, we register it with Companies House, advise on share structure and director roles, and make sure you have the right SIC codes in place. We also work closely with your mortgage broker, providing the forecasts and accounts lenders need to approve your buy-to-let finance.
If you already own properties personally, transferring them into the company is a bigger decision. It triggers a sale for tax purposes, which can mean stamp duty and capital gains tax. We model the costs and help you decide whether to transfer now, wait, or simply hold new purchases in the company. There is no one-size-fits-all answer, so we tailor the advice to your circumstances.
Once your company is live, we handle your bookkeeping, annual accounts, corporation tax returns and confirmation statements. You get a clear picture of your rental income and expenses, and we make sure you meet every HMRC and Companies House deadline. If you are claiming allowable expenses like repairs, insurance or travel, we check they are logged correctly. If you are planning to reinvest profits or draw dividends, we show you the most tax-efficient way to do it.
Local knowledge that counts
We work with landlords across Cardiff, from Cathays student lets to family homes in Whitchurch and Pentwyn. We understand the South Wales property market, the types of tenants you are dealing with, and the quirks of local rental demand. Whether you are buying a terrace in Roath or a new-build flat in Cardiff Bay, we have seen it before and we know the questions to ask.
Many of our clients are tradespeople, dental professionals or small business owners who have built up a property portfolio alongside their main income. They need an accountant who speaks plain English, responds quickly, and does not assume they know the ins and outs of corporation tax. That is exactly what we offer: straightforward advice, no jargon, and a team that is easy to get hold of when you need us.
Worth considering
Property Portfolio Accounting
Rental income and expense accounting across multiple properties, with clean records, profitability by property, and HMRC-ready figures for returns and planning.
Property Portfolio Accounting→Buy-to-Let Tax Returns
Buy-to-let tax returns prepared and filed with clear guidance on rental income, allowable expenses and HMRC deadlines, so you stay compliant and pay the right tax.
Buy-to-Let Tax Returns→Landlord Accounting Services
Landlord accounting for rental income, allowable expenses and HMRC deadlines. Clear figures for Self Assessment, plus support for property sales and tax planning.
Landlord Accounting Services→Before you book
Here are the questions Cardiff landlords ask us most about setting up a limited company for buy-to-let.
Is a limited company right for my buy-to-let properties?
How long does it take to set up a property company?
Can I transfer properties I already own into the company?
Will I need a special mortgage for a limited company buy-to-let?
What are the ongoing costs of running a property company?
Do I still pay tax on rental income in a limited company?
Can you help if I am buying my first rental property?
Do you work with landlords outside Cardiff?
Let's talk about your buy-to-let setup
Book a free consultation and we'll explain your options in plain English, with no pressure and no jargon.
Book a free consultation