A new study carried out by Coventry for intermediaries found that 70% of brokers surveyed reported an increase in clients seeking advice about limited company BTL – a trend that looks set to continue.
“Our research shows a clear shift toward professionalisation, with landlords making more structured, long-term decisions,” said Jonathan Stinton, head of intermediary relationships at Coventry for intermediaries. “This creates the opportunity for brokers to widen their client base to new property investors and support landlords on their limited company BTL journeys.”
Recent changes to tax policy and new regulations, such as the Renters Reform Bill and capital gains tax, have accelerated this shift. For 41% of landlords surveyed, tax efficiency was the main reason for incorporating, as they seek more structured and tax-efficient approaches to portfolio management.
Coventry’s latest report, The broker’s guide to limited company BTL mortgages, reveals brokers are experiencing the shift, with 90% of brokers advising on limited company BTL mortgages in the past three years – a sharp increase from a quarter advising on them a decade ago.
Despite this, Coventry’s research shows only 35% of landlords arranged their most recent limited company BTL mortgage through a broker, leaving a significant share of landlords who may not be receiving professional advice. This represents a clear opportunity for brokers to guide clients through complexity and unlock new opportunities for sustainable portfolio growth.
Stinton explained: “Landlords are looking for more than just the best rate – they want sound, strategic advice to help them grow professionally and navigate the complexity of limited company BTL. That’s a golden opportunity for brokers to deepen relationships and offer real value.”
