Expert guidance drives confidence as more landlords consider incorporation
More than half of landlords planning to use a mortgage broker for limited company buy-to-let (BTL) arrangements report feeling “very confident” in the process, according to new research from Coventry for intermediaries.
In contrast, only one in five landlords who approach lenders directly express the same level of confidence.
The findings, published in Coventry’s latest report, suggest that brokers play a significant role in supporting landlords through the complexities of incorporation. The research highlights that the main areas where landlords seek further understanding are tax implications (32%), long-term benefits (31%), and the process of transferring properties into a limited company (30%).
When asked about the value brokers provide, 40% of landlords identified mortgage-specific expertise as the most important factor, ahead of securing the lowest rate (37%). The data points to an opportunity for brokers to emphasise their specialist knowledge and advisory capabilities.
The report also notes that clear communication from brokers about the incorporation process and their role can help reduce confusion and stress for clients, while strengthening relationships. The research found that 33% of landlords want their broker to understand their financial goals and provide financial advice.
Seventy percent of brokers have seen an increase in client enquiries about limited company buy-to-let. Less experienced brokers, handling between one and five cases annually, are less likely to feel fully prepared to meet the needs of new limited company BTL landlords, with only one in seven expressing full confidence.
“Incorporating a BTL portfolio can be complex and, at times, overwhelming, with landlords facing challenges around tax, legal structure, and transferring properties,” said Jonathan Stinton (pictured right), head of intermediary relationships at Coventry Building Society.
“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.”
Want to be regularly updated with mortgage news and features? Get exclusive interviews, breaking news, and industry events in your inbox – subscribe to our FREE daily newsletter. You can also follow us on Facebook, X (formerly Twitter), and LinkedIn.
