Company ownership dominates larger buy-to-let portfolios

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More than 45% of UK buy-to-let ownership is held through companies, with the proportion rising to 57.6% among landlords with at least 20 properties, according to Lendlord.

Figures from the property management and finance platform’s Q3 2026 UK buy-to-let Market Report show that 45.1% of ownership is company-held, compared with 54.9% held privately.

The balance changes with portfolio size. Among landlords with one to three properties, 67.1% of ownership is private, but company ownership becomes the larger share in the 11 to 20-property band.

For landlords with 20 or more properties, 57.6% of ownership is held through companies.

There are also marked regional differences. The North East has the highest proportion of company ownership, at 53.5%, while companies also account for the larger share in Yorkshire and Humberside and Scotland.

Lendlord said the findings showed that smaller landlords remained more likely to own property in their own names, while company structures were more common among larger portfolios.

Aviram Shahar (pictured), co-founder and chief executive of Lendlord, said: “Company ownership is no longer a niche structure used only at the very top of the market.

“45.1% of buy-to-let 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. Lendlord is the place for landlords to bring portfolio, mortgage and tax data together, stay on top of compliance and manage that shift with confidence.”

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