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Incorporating a rental portfolio: how the numbers compare

Incorporation is the question every squeezed landlord asks. This tool lays out the numbers: annual saving, one-off cost and payback period, not a rule of thumb.

By Property Clues · · UK landlord guides

Why incorporation comes up

Running property through a limited company sidesteps Section 24 (a company deducts mortgage interest in full) and pays Corporation Tax instead of income tax. But incorporating isn't free: there's SDLT on transfer, potential CGT, higher mortgage rates and extra accountancy.

Both routes side by side

The Limited Company vs Personal Name Calculator puts both routes side by side (costs, tax and take-home), then works out your annual saving, the one-off transition cost and how many years it takes to pay back. It even models dividend extraction at the 2026/27 rates.

The April 2027 rate rise

Crucially, it's updated for the April 2027 rental-rate rise, which widens the gap between the personal and company figures for higher-rate landlords compared with a year ago.

Try the tool

Limited Company vs Personal Name Calculator

Illustrates the tax on rental profit held personally and in a limited company, side by side. This tool is part of the Property Clues UK Landlord Toolkit: 43 educational property calculators and trackers, built for the 2027 tax changes. Pay once, use in your browser.

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Section 24 Calculator (Lite)

How the mortgage interest rules change the tax on one rental property, 2025/26 to 2027/28. Free to use in your browser, no sign-up.

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Educational guidance only. Not financial, tax or legal advice. Tax and property rules change; always verify current figures on GOV.UK and take professional advice before acting. © 2026 Property Clues.

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