A growing number of NHS doctors are building property portfolios alongside their careers. It is a common long-term strategy — and one that benefits from being set up correctly from the start, particularly on the question of personal name versus limited company ownership.
How buy-to-let is assessed differently
Buy-to-let mortgages are primarily assessed on the rental income the property will generate. But lenders also look at your personal income and commitments as part of the application — which means the same income complexity that affects residential applications applies here too. Specialist lenders who understand NHS and dental incomes are just as relevant for buy-to-let as for residential mortgages.
Personal name or limited company?
This is one of the most consequential early decisions in property investment, and one to make with proper advice rather than general guidance. The right answer depends on your tax position, your plans for the portfolio, and your personal circumstances. We refer clients to Runway Accountants for the tax element and advise on the mortgage implications — because the two need to be considered together.
Can I use a limited company for my first buy-to-let?
Yes — many of the lenders we work with offer limited company buy-to-let products. Whether it is right for you depends on your tax position. We strongly recommend speaking to a specialist accountant before committing to a structure.