When you buy to let

Wig

Is it best to have the house in the name of a company, so that any reposession or debt problems don't come back to you and risk your family home?

Is it ultimately best to have all your houses owned by a seperate company for each house? So they don't affect each other?

poppysarah

If you make enough money on each to pay the accountants fees and other stuff like insurance etc.

ncooper1974

even if you own the property in the company, there can still be a charge on you as a company director.
and if you open a company for each property, then you'll need to be aware that you'll have multiple fees for running the company - some accountants are not cheap!

Wig

Setting up a new one. But the question was hypothetical anyway, what is the best way to buy to let in this regard?

Conrad

If you need a mortgage, few lenders will accept Ltd companies and interest is higher.

Repo or debt problems will follow you as any lender will want your personal guarantees anyway.
I'm an investor but don't see anything tempting in the UK right now. Yields are falling and so are prices. Other places offer far better returns.

I can't see much cpaitla growth in the UK for a long time as lending will not go back to the free 'n' easy. The boom merely was a reflection of cheap and easy credit. Remove the credit..................