Date Published 16 January 2026
Nearly two thirds of landlords are planning to purchase future buy-to-let (BTL) properties through limited company structures, according to new research — reinforcing a long-term shift in how rental portfolios are being built.
The survey of 500 landlords found that 63% expect to make future purchases via Specialist Purpose Vehicles (SPVs), indicating that the decade-long rise in limited company ownership within the BTL sector shows no signs of slowing. Paragon's analysis highlights a clear generational divide. Limited company purchasing is most prevalent among younger landlords, with 100% of respondents aged 25–34 planning to acquire properties this way. This compares with 82% of those aged 35–44, 73% of landlords aged 45–54, and falls to 54% and 48% among the 55–64 and 65–75 age groups respectively.
Furthermore, the research also suggests that restructuring existing portfolios remains a priority, with nearly a third of landlords (32%) planning to transfer personally owned properties into limited company ownership in the future.
Louisa Sedgwick, Managing Director of Mortgages at Paragon Bank, commented that the next generation of landlords appears to have recognised the potential advantages of limited company ownership early in their investment journeys. Paragon attributes much of this structural shift to the introduction of Section 24 in 2015, which significantly altered mortgage interest tax relief for personally held buy-to-let properties.
As specialists in both lettings and sales, Adams Estates is well placed to support landlords exploring buy-to-let opportunities — whether purchasing through a limited company or reviewing their existing portfolio — and to provide expert guidance on maximising long-term returns.
