Cambridge Rental Limited: How to Set Up and Stay Compliant with Your Long-Let Business

Running your buy-to-let venture through a limited company isn’t just a tax strategy—it’s a professional upgrade. For landlords in Cambridge, forming a Cambridge rental limited company can streamline your portfolio, reduce personal liability, and offer long-term financial benefits. But it also requires you to stay on top of new responsibilities. Here’s how to set up and operate your property business the right way.

When Should Landlords Consider a Limited Company?

Using a limited company structure to let property isn’t for everyone, but it has become increasingly popular—especially since mortgage interest relief for individual landlords was phased out. A limited company landlord can still deduct the full interest from their profits before tax.

You might consider this structure if:

• You’re earning or plan to earn more than £50,000 in rental income annually

• You own (or plan to own) multiple properties

• You want to build a scalable property business

• You’re looking to reduce personal tax exposure and reinvest profits

In Cambridge’s high-yield rental market, incorporating can make sense for landlords with long-term ambitions.

Steps to Set Up a Cambridge Rental Limited Company

Starting your Cambridge rental limited company follows similar steps to setting up any UK limited business, but with some property-specific nuances:

1. Register with Companies House: Choose a name (e.g. Cambridge Property Group Ltd) and appoint directors/shareholders.

2. Open a business bank account: This keeps your property finances separate from personal accounts.

3. Inform HMRC: Register for Corporation Tax within three months of starting activity.

4. Assign an accountant: Preferably one with property sector experience.

5. Secure landlord insurance for limited companies: This differs from personal landlord policies.

6. Check lender options: You’ll need buy-to-let mortgages for limited companies.

These steps create the foundation, but staying compliant is just as critical.

Key Compliance Requirements: Tax, Insurance, and Reporting

Once you’ve set up your company, you must meet the following obligations to remain compliant:

• Annual Accounts: Submit to Companies House and HMRC, even if you make no profit.

• Corporation Tax: Pay tax on profits (currently 19% for most small companies).

• Self-Assessment: If you draw a salary or dividends from the company.

• Landlord Licensing: HMOs and selective licensing may still apply at the property level.

• Tenancy Compliance: Deposit protection, EPCs, gas safety checks, and right-to-rent rules still apply.

• Business Insurance: Including public liability and landlord-specific cover for limited companies.

Regulatory compliance is complex—but completely manageable with the right systems and support.

How Cambridge Stays Supports Limited Company Landlords

At Cambridge Stays, we support both individual and incorporated landlords. If you’ve formed a Cambridge rental limited company, here’s how we make compliance and performance effortless:

• We coordinate with your accountant to provide income and expense tracking

• Our legal team ensures all lets are compliant with tenancy law—whether ASTs or HMOs

• We offer portfolio reporting across properties held in your company name

• We help you source and manage long-term tenants for stable, scalable income

Our local expertise, transparent operations, and landlord-first service help you focus on growth, not admin.

Ready to Professionalize Your Rental Business?

Running a Cambridge rental limited company is a smart move for landlords aiming to grow and protect their portfolio. But success depends on understanding the rules and having the right team beside you.

Let Cambridge Stays help you move from landlord to property business owner—without the stress.