Best Landlord Software for Limited Company Landlords 2026
Running your portfolio through a limited company? Compare the best landlord software with corporation tax features, director loan tracking, and company accounts.
The Latch Team
Editorial
Running your rental portfolio through a limited company (often called a Special Purpose Vehicle or SPV) offers significant tax advantages, particularly since Section 24 mortgage interest restrictions made personal ownership less tax-efficient for higher-rate taxpayers. But it also adds accounting complexity.
Company landlords need software that handles corporation tax reporting, director loan accounts, dividend tracking, and company accounts alongside standard property management. Personal landlord tools often fall short because they are designed for Self Assessment, not company accounts.
We have reviewed 4 software options suited to limited company landlords, covering both property management and company accounting needs.
TL;DR
Limited company landlords need software that handles corporation tax categories, director loan accounts, and SPV structures alongside standard property management. Latch supports limited company workflows with compliant expense categorisation and financial reporting. Landlord Vision offers the deepest accounting integration for ltd companies. Xero with a property add-on suits landlords who need full double-entry bookkeeping.
Limited Company Software Comparison
| Platform | Corp Tax | Director Loans | Company Accounts | Property Features | Price |
|---|---|---|---|---|---|
| Latch | Reports ready | Basic tracking | Via accountant | Full management | £20/mo |
| Xero | Full support | Yes | Full accounts | None — accounting only | £15/mo |
| FreeAgent | Full support | Yes | Full accounts | None | £14.50/mo |
| Landlord Vision | Basic reports | No | Limited | Accounting focused | £1.04/day |
What Limited Company Landlords Need
Running properties through a limited company adds several accounting requirements beyond personal landlording:
Corporation Tax Reporting
Limited companies pay Corporation Tax on profits (currently 19–25% depending on profit level) rather than Income Tax. Your software must track profit correctly for CT600 filing.
19–25% corp tax
Director Loan Account
Money flowing between you personally and the company must be tracked via a Director Loan Account (DLA). Getting this wrong can trigger Section 455 tax charges.
Must track accurately
Dividend Records
Extracting profits as dividends requires dividend vouchers and records. Dividends are taxed differently from salary.
Tax-efficient extraction
Annual Accounts
Limited companies must file annual accounts with Companies House. Your accounting records need to support balance sheet, P&L, and notes to the accounts.
Legal requirement
Mortgage Interest Deduction
The key advantage: limited companies can deduct mortgage interest in full as a business expense, unlike personal landlords restricted by Section 24.
Key tax benefit
1. Latch — Best Property Management for Ltd Companies
Latch (Ltd Company)
Latch is the best property management platform for limited company landlords who also use a separate accounting tool (typically Xero or FreeAgent) for company accounts. Latch handles the property management, tenant communication, rent chasing, and compliance tracking, while your accounting tool handles corporation tax, director loans, and company filing.
- Full Property Management: Everything needed for day-to-day property operations
- AI Automation: Rent chasing and tenant communication work regardless of ownership structure
- Income and Expense Tracking: All financial data available for export to your accounting tool
- Compliance Tracking: Gas safety, EICR, EPC, and deposit protection — equally important for company-owned properties
- Bank Feeds: Open Banking works with company bank accounts as well as personal accounts
Latch (Ltd)
Pros
- Best property management experience available for UK landlords
- AI automation works perfectly for company-owned portfolios
- Open Banking connects to company bank accounts
- Compliance tracking essential regardless of ownership structure
- Financial data easily exported for accountant or accounting software
- Affordable at £20/month as a company expense
Cons
- Does not replace company accounting software
- No corporation tax calculations or CT600 data
- No director loan account tracking
- No company filing support (Companies House)
- Need to pair with Xero or FreeAgent for full company accounts
2. Xero — Best Company Accounting for Landlords
Xero (Ltd Company)
Xero is the strongest accounting platform for limited company landlords. It handles full company accounts, director loan tracking, dividend records, and integrates with Corporation Tax filing. Most accountants who specialise in property companies use Xero.
- Full Company Accounts: Balance sheet, P&L, and trial balance for Companies House filing
- Director Loan Account: Track money between you and the company with proper DLA recording
- Corporation Tax: Generate reports for CT600 preparation (filing typically handled by accountant)
- Dividend Tracking: Record dividend declarations and payments
- Accountant Access: Real-time collaboration with your accountant
- MTD Compliance: Submit quarterly updates directly to HMRC
Xero (Ltd)
Pros
- Most comprehensive company accounting available
- Excellent director loan account handling
- Accountants specialising in property companies prefer Xero
- Full MTD compliance with quarterly submission
- Powerful bank feeds and reconciliation
- Large add-on marketplace for additional features
Cons
- No property management features whatsoever
- No compliance tracking, maintenance, or tenant tools
- Requires configuration for per-property tracking
- Learning curve for landlords unfamiliar with accounting
- Monthly cost adds to Latch subscription — but is a company expense
Best Combination: The optimal setup for limited company landlords is Latch for property management and compliance, paired with Xero for company accounting and tax filing. Total cost: approximately £35/month — fully deductible as a company expense.
3. FreeAgent — Best for Sole Director Companies
FreeAgent (Ltd Company)
FreeAgent is designed for small business owners and sole director companies. It handles corporation tax, company accounts, director loans, and payroll in a simpler interface than Xero. For landlords who are the sole director and shareholder, FreeAgent may be easier to use than Xero.
- Corporation Tax: Calculate and file CT600 directly from FreeAgent
- Director Loan Account: Automated DLA tracking with clear reporting
- Payroll: Run payroll for yourself if you take a salary as director
- Dividend Records: Create dividend vouchers and track payments
- Companies House Filing: Submit confirmation statements and annual accounts
- Bank Feeds: Automatic import from most UK banks
FreeAgent (Ltd)
Pros
- Simpler interface than Xero for non-accountants
- Direct CT600 filing with HMRC
- Good director loan account tracking
- Payroll included for director salary
- Companies House filing built in
- Free with some UK business bank accounts (NatWest, RBS, Mettle)
Cons
- No property management features
- Less powerful than Xero for complex multi-property accounting
- Fewer accountants specialise in FreeAgent
- Tracking categories less flexible than Xero
- Better for simple company structures than complex portfolios
4. Landlord Vision — Landlord-Specific but Limited for Ltd
Landlord Vision can handle basic accounting for limited company landlords, but it is primarily designed for personal landlords filing Self Assessment. It lacks corporation tax calculations, director loan tracking, and company filing features.
Landlord Vision (Ltd)
Pros
- Landlord-specific accounting categories
- Affordable pricing
- Good expense tracking per property
- Familiar to personal landlords who incorporate
Cons
- No corporation tax support
- No director loan account tracking
- No company filing features
- Not designed for limited company accounting
- You will still need Xero or FreeAgent alongside it
Tax Considerations for Ltd Company Landlords
Understanding the tax landscape helps you choose the right software combination:
| Tax Area | Personal Landlord | Limited Company |
|---|---|---|
| Income Tax Rate | 20–45% (Income Tax) | 19–25% (Corporation Tax) |
| Mortgage Interest | Limited to basic rate credit (Section 24) | Fully deductible as business expense |
| Profit Extraction | Direct access to rental profit | Via salary, dividends, or director loan |
| Filing Requirements | Self Assessment (SA100/SA105) | CT600 + Company Accounts + Confirmation Statement |
| Accounting Software | Single landlord tool sufficient | Accounting tool + property management tool recommended |
| Software Cost | £20/mo (Latch) | £35/mo (Latch + Xero/FreeAgent) |
Our Recommendation
Best Software for Limited Company Landlords
The optimal setup is Latch for property management, compliance, and AI automation, paired with Xero or FreeAgent for company accounting and tax filing. Latch handles everything property-related while Xero/FreeAgent handles everything company-related. For sole director companies with simple structures, FreeAgent is simpler. For complex portfolios or accountant collaboration, Xero is more powerful. Total cost of approximately £35/month is a fully deductible company expense.
Best for: Latch + Xero for complex limited company portfolios. Latch + FreeAgent for simple sole director property companies. Landlord Vision is not recommended as a primary tool for limited company accounting.
Manage Your Property Company with Latch
Start your free 30-day trial of Latch. AI-powered property management and compliance tracking that pairs perfectly with Xero or FreeAgent for your limited company accounts. No credit card required.
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Get Started with LatchDisclaimer: This guide is for informational purposes only and does not constitute tax or legal advice. The decision to incorporate rental properties has significant tax, legal, and mortgage implications. Corporation Tax rates, dividend tax rates, and Section 24 restrictions are subject to change by government policy. Always consult a qualified accountant and tax adviser before incorporating or changing your property ownership structure. Last updated February 2026.
