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The Property Podcast

ASK496: Should we use a Ltd Co for just one property? PLUS: Is there capital growth in this area?

The Property Podcast

Rob Bence & Rob Dix

Investing, Education, Business News, News, Business

4.82K Ratings

🗓️ 30 September 2025

⏱️ 12 minutes

🧾️ Download transcript

Summary

It’s time for your weekly dose of Ask Rob & Rob – let’s get stuck into some brilliant listener questions! (0:34) Sean’s taking the first step in his property journey by turning his home into a rental and buying somewhere new to live. Unsure if he should keep the property in his personal name or put it in a limited company, and he asks Rob & Rob to help him decide.  (4:12) T from Dubai wants Rob & Rob’s take on investing in the South Wales Valleys. He’s seen lots of BRR deals advertised there, with strong rental demand. He's wondering whether it’s really a good area to invest for growth, and wants the guys’ opinion on the market and potential returns.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record! Find out more about Property Hub Invest

Transcript

Click on a timestamp to play from that location

0:00.0

Hi, I'm Rob. And I'm Rob. And this is Ask Rob and Rob.

0:06.3

Hey everyone, welcome to Ask Rob and Rob, the show where you get your wonderful questions in,

0:11.7

most of the time about property, and we most of the time, now actually all the time, answer your

0:16.9

questions. And we're absolutely going to deliver on that promise once again. But before we do,

0:20.4

a quick reminder of how you can get involved and get your question on the show. Yep, all you want to do is go to property hub.net slash ask. So easy. You can send us a written question for the Sunday Times or you can send us a question with your voice and we'll play it back on the show, just like we will now with Sean. Hey, Ron Rob Rob. Thank you guys for everything you do. Absolutely love

0:38.4

the podcast. Been listening to it for a few years now. Really helped to inspire both me and my wife

0:42.6

into hopefully invested in property. We're finally at the stage where we're looking at starting that

0:47.2

journey by releasing some equity in our own home and then turning our own home into a buy-to-let mortgage

0:52.1

and renting that property out and then moving

0:55.2

to somewhere else where we want to live. Everything I had heard previously suggested I'd be

1:00.0

better off when we only have one place that we're renting out to not do it for a limited

1:05.6

company. Unfortunately, I can't seem to work out any of the benefits for not doing it for a

1:10.6

limited company.

1:11.8

Could you please tell me if there are any or if I'm just misunderstanding something?

1:15.5

That would be amazing. Thank you guys so so much.

1:17.9

Sean, thank you for the question. The answer here is it's not really about just one property.

1:23.4

It's about the fact that you already own the property.

1:26.4

So let's put aside the fact you already own it for

1:28.5

now and imagine that you're just starting and going like, I want to get one property, you want to get my

1:32.2

first investment property, should I do it in a company or not? And I think there are a lot of people who

1:37.3

have the belief that it's not worth having a limited company for just one property. And in a way, they might be right if that's the only

1:46.1

property you're ever going to own. Because there is extra admin around it. There are higher

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