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Is a Limited Company Better for Your Buy-to-Let?
Section 24 restricts mortgage interest relief for individual landlords to a flat 20% basic rate tax credit — even if you're a 40% or 45% taxpayer. A limited company can still deduct 100% of mortgage interest as a business expense. Enter your figures to se
Section 24 Tax Calculator: Personal vs Limited Company
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Is a Limited Company Better for Your Buy-to-Let?
Section 24 restricts mortgage interest relief for individual landlords to a 20% tax credit, while companies can deduct mortgage interest in full as a business expense.
Use this calculator to compare personal ownership against limited company ownership side by side.
1
Your rental figures
Enter gross rent, allowable running expenses and annual mortgage interest.
2
Your tax rate
We use your marginal personal tax rate to calculate personal ownership tax accurately.
3
Side-by-side comparison
See annual outcomes and 5-year projections for personal vs company ownership.