When a landlord asks how much it will cost to speak to a tax advisor, the real answer is: how much could it save you?

That might sound like a simple line, but in my experience – as both a lender and a landlord – it’s one of the most valuable truths in the buy-to-let world. Whether you’re just starting out or already own multiple properties, the right tax advice can shape your investment journey. And it’s why I always encourage mortgage advisors to build strong relationships with qualified tax professionals.

Why Limited Company Buy-to-Let Is on the Rise

We’re seeing a huge rise in limited company buy-to-let, with the vast majority of new purchases now structured this way. That’s largely due to changes introduced several years ago which limited the mortgage interest relief available for personal landlords. These changes, coupled with higher rate taxation, have shifted the economics – but the picture isn’t the same for everyone.

Tailored Structures Matter

That’s why it’s critical to seek advice based on individual circumstances. A structure that works for one landlord might be completely wrong for another. And if that’s the case, the cost isn’t just theoretical – it can result in significant liabilities, especially around stamp duty, inheritance planning or how future residential purchases are treated.

Don’t Be Misled by Headline Rates

Too often, I’ve seen decisions made based solely on headline rates. But a cheaper monthly payment doesn’t mean better value if the tax implications haven’t been thought through. For example, putting your first ever buy-to-let in your own name might seem straightforward – but it could mean paying higher stamp duty when you later buy your own home. In England, that’s 5%. In Wales, it’s 6%. And it’s not always something a client sees coming.

The Role of the Mortgage Advisor

That’s why good mortgage advisors bring real value to their clients. They understand where the boundaries lie. They don’t offer tax advice, but they do explain the differences clearly and know when to refer clients to a professional. It’s the kind of joined-up approach that makes all the difference.

How Lenders Can Support Advisors

At Chetwood Bank, we want to support advisors in developing this kind of confidence. Through CHL Mortgages and Moda Mortgages, we aim to provide the tools, education and access to support networks that help brokers offer more than just a mortgage. But the most important thing any advisor can do is stay engaged – keep up with the market, understand the direction of legislation, and build strong partnerships with tax professionals.

Planning for Long-Term Growth

Buy-to-let isn’t just about the here and now. It’s about what happens next. A landlord might plan to own one or two properties, but they could easily end up with 10. Their circumstances will evolve and the structures they put in place at the beginning need to work not just today, but years down the line.

Final Thoughts: Lay the Right Foundations

That’s why the advice needs to rest on solid ground. The combination of a well-informed mortgage advisor and a good tax advisor is often what makes that possible.

Cornerstone Finance The Podcast

Cornerstone Podcast Series

Roger talks about this and more in the Cornerstone Finance Group podcast episodes: Understanding the Buy-to-Let Landscape and Navigating Tax and Structuring for Buy-to-Let.

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