Almost half of UK buy-to-let is owned through companies – Mortgage Strategy
Almost half of UK buy-to-let is now owned through companies, according to data from finance platform Lendlord.
Lendlord found that 45.1% of UK buy-to-let was owned through companies in Q3, compared with 54.9% held privately.
Among landlords with 20 or more properties, company ownership rises to 57.6%.
The figures, drawn from Lendlord’s Q3 2026 UK BTL Market Report, show that company ownership is already the majority model among larger portfolios, while smaller landlords remain predominantly private.
The data points to a clear split in how the market is structured. Private ownership still dominates among smaller landlords. Once portfolios reach 11 properties or more, company structures become the typical vehicle.
The same pattern appears geographically, with company ownership more established in the North East, Yorkshire & Humberside and Scotland.
Lendlord chief executive Aviram Shahar said: “Company ownership is no longer a niche structure used only at the very top of the market. 45.1% of BTL ownership is already sitting in a company, and among larger portfolios it is the majority model at 57.6%.
“That split matters. Smaller landlords still tend to hold in their own name. Larger landlords, and more of the North, have already moved into companies.”
