I think you answered your own question, if you can get better returns elsewhere then put that money elsewhere.

BTL is more of a long-term investment, where you are building up a business to replace your main income for when you come to retire. They mainly use leverageing to build a portfolio, not buy 1 or 2 cash in full.

Why would it be hard to sell them?

> accountant says investing is an option but what about BTL?

Your Trading Company can invest in Buy-to-Let however, the mortgage options will be limited as mortgage lenders see the trading part as "high risk" of contaminating the rest of the company.

So, what useualy happens is you set up a Special Purpuse Vehicle (SPV), which is basicly a fresh new company that ONLY buys and rents out property.

However you need to get the money from the Trading Company to the SPV! Mortgage lenders only like money to be transfered in certain ways.

Some are happy with "Intercompany Loans" - your trading company, loaning the money to the SPV. Whilst others are not.

Some are happy with Directors Loans - your trading company loans money to you, and you loan the money to the spv.

Some (but very few) are happy with group ownership structures, your accountant will recomend this but getting finance on this is hard.

The most common way, is intercompany loans.

Sounds like you don’t need to buy any properties, why give yourself more work?

Save the money and retire early

Have you put any money into a pension?

You can put money into buy to let, hand off to a management company for ~14% of monthly rent and do next to nothing from your side really.

I will put 60K in pension before I do any other investment

I am also in process of buying BTL through trading company and the cost are bit higher compared to SPV. If I am in for few more properties I would go for SPV , if it is just one or two then I will stick with trading .

I am planning to stay with my trading company

Trading Company (A) & Buy to Let SPV (B)

• Intra company loan from A to B: As it’s an intra company loan the interest can be very low and it’s pretty much in your control. B can then buy property. B can also get mortgage. Lenders may want to see the shareholders and director structure is mirrored b/w A & B. Not an advisor but set this up myself.
• The other option is to setup another parent company (Holding company) and make it 100% share holder of both A & B. From what I understand, you can do this in the future as well as long as shareholder structure is mirrored b/w A & B

If you don’t want the hassle of managing Buy to Let

• SIPP contributions as others suggested
• Wise/Aldermore/Synergy accounts for business savings
• InvestEngine for investing in ETFs

Another trick

• If you have a personal offset mortgage, you can probably use some of those funds to save on interest (tax free)

Not an advisor, do your own research

Max out on your pension every year before the tax relief benefit is reduced or taken away. With stocks crashing it’s a good time to begin too

Have you got a pension?

SIPP !

You can put commercial property in but not residential.

Have you got premises you operate out of?

You’re in a really strong position with consistent profits and £200K retained in the LTD—this opens up some very tax-efficient structuring opportunities.

One route worth considering is setting up a Holding Company that owns both your current Trading Company and a new Property Investment Company (SPV). This structure can offer:

•	Cleaner separation between trading and investment activity (which lenders love)

•	Easier intercompany transfers for reinvestment (without triggering personal tax)

•	A future-proof setup if you want to scale, exit, or even bring in investors later on.

If your goal is income with minimal involvement, property can still work—especially when structured for hands-off investing. I help people set up exactly this: passive or semi-passive investments where the heavy lifting is taken care of, from deal sourcing to management.

Happy to share some insights or examples if it helps—you’re in a great position to make your capital work harder without adding a full-time job.