The main benefit is that your mortgage interest is tax deductible, which reduces your taxable profit. Using a company structure also provides limited liability in the event of financial difficulties.

However, mortgages through a Ltd Co are normally at higher rate than personal ones and businesses need to pay an additional 3% surcharge on SDLT when making a purchase of residential property. It is essential to weigh up the pros & cons of Ltd Co vs personal name based on your personal circumstances.