Evening everyone,


I am in the market for a buy to let property local to me, I have the deposit saved up and done all the usual re-search. I have family with a few BTL properties so I know approx yield etc etc.

My main question is to buy as a personal mortgage or LTD co.
I am planning on buying 2, possibly 3 properties this year and same year after year to build up quite a big portfolio.

My accountant is saying LTD co for tax purposes however the mortgages are harder to obtain, more expensive and so on. On the other hand my mortgage broker is saying its much easier to get a personal one and go down that route.

What are members on here doing, I am looking for an unbiased opinion as I can see both points above.
Personal will save me some hassle and is cheaper but if I want to go LTD in the future it could then cause problems.


Thanks