New research from Coventry for intermediaries has underlined the growing importance of brokers in guiding landlords through the complexities of limited company buy-to-let incorporation, as confidence levels diverge sharply between those using intermediaries and those going direct to lenders.
According to the findings, 55% of landlords who plan to use a broker when exploring limited company buy-to-let say they feel “very confident” about the process. This compares with just 20% of those intending to approach a lender directly.
The figures suggest a clear role for mortgage brokers in helping landlords navigate the legal, tax and administrative hurdles associated with incorporation.
The data is drawn from Coventry’s latest market report, The broker’s guide to limited company buy-to-let mortgages, which aims to support intermediaries advising clients on limited company structures.
The report also found that the top three concerns for landlords considering incorporation are tax implications (cited by 32%), long-term benefits (31%), and how to transfer properties into a limited company (30%).
While cost remains a factor for landlords, the research reveals that expertise now holds greater sway. When asked what they most value in a broker, 40% of landlords highlighted mortgage-specific knowledge, ahead of securing the cheapest deal, which ranked at 37%. The results reflect a shift in priorities and underline an opportunity for brokers to reinforce their advisory credentials.
Jonathan Stinton, head of intermediary relationships at Coventry for intermediaries, said:
“Incorporating a buy-to-let portfolio can be complex and, at times, overwhelming, with landlords facing challenges around tax, legal structure, and transferring properties. Our research shows landlords are looking for clarity and expert advice, not just the cheapest deal, to help them make informed and confident decisions.
“Brokers play a vital role in simplifying this journey. By offering tailored guidance and demystifying the process of incorporation, they can reassure clients at every step. This is a real opportunity for brokers to position themselves as trusted partners, reduce client stress, and build long-term relationships in a growing market.”
The report also highlights the growing momentum behind limited company buy-to-let enquiries. Seven in 10 brokers say they have seen an increase in clients asking about incorporation.
However, experience levels vary: only one in seven less experienced brokers — those handling between one and five relevant cases per year — said they feel fully prepared to meet the needs of new limited company landlords.
In terms of broker expectations, a third of landlords (33%) say they want their mortgage broker to understand their wider financial goals and provide financial advice, suggesting that the role of the intermediary is expanding beyond product placement into broader advisory territory.
