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Landlords and Investors
Buy to Let Limited Company Mortgages
Limited company buy to let is now a mainstream strategy for UK landlords, using an SPV limited company to hold rental property and seek potential tax advantages on mortgage interest and profits. But higher interest rates, SDLT surcharges, CGT and extra company admin mean it won’t suit everyone. The Mortgage Broker’s award‑winning advisers (2,500+ 5★ reviews) specialise in Limited Company Buy to Let, guiding clients through lender criteria, SPV structure and portfolio strategy alongside their tax advisers.
Why choose a Limited Company Buy to Let Mortgage?
Limited company buy to let is no longer a niche strategy, but a mainstream way for landlords to structure their portfolios, manage tax and plan for the long term. Recent tax changes mean many higher rate taxpayers consider holding rental properties inside a limited company rather than in their own name. However, it is not right for everyone, and the rules can be complex. That’s where The Mortgage Broker comes in. Our award-winning advisers arrange limited company buy to let mortgages every day, helping landlords compare options, avoid pitfalls and secure funding that fits their strategy.
24/7 Mortgage monitoring across all properties 130+ Mortgage Lenders across The Mortgage Broker panelHow we help landlords invest through a Limited Company
Investing through a limited company brings different opportunities and challenges compared to personal buy to let. Lenders assess company structure, directors, portfolio performance and long-term strategy alongside the property itself, which means applications need to be handled carefully from the outset.
The Mortgage Brokers role is to guide landlords through this process with clarity and confidence. We help you choose the right structure, match your circumstances to appropriate lenders and manage the application end to end, reducing delays and avoiding issues that can arise when limited company cases are treated like standard buy to lets.
Important: The information on this page is general guidance, not tax or legal advice. Always speak to a qualified accountant or tax adviser before making structural or tax decisions.
Award-Winning Limited Company Buy to Let Specialists
Limited company buy to let mortgages require specialist handling. Small details such as company setup, director status or background portfolio exposure can influence lender decisions and affect how smoothly an application progresses.
Our advisers arrange limited company buy to let mortgages every day and understand how lenders assess these cases in practice. This experience allows us to anticipate potential issues early, package applications clearly and match each case to lenders whose criteria genuinely fit.
Landlords work with us because we offer:
- Dedicated advisers with specialist experience in limited company and SPV lending
- Access to a wide panel of 130+ specialist lenders, including specialist buy to let options
- A proven track record, reflected in industry recognition and 2,500+ 5-star Trustpilot reviews
- Clear guidance from initial discussion through to completion
This specialist approach helps reduce uncertainty and gives landlords greater confidence when investing through a limited company.
No Mortgage = No Fee.
We believe in our expertise and confident we can not just save, but make you money. Therefore, all our expert advisers free comparisons, rate searches and appointments. All free, no obligation advice. No surprises. We apply one simply broker fee if you proceed, no matter how many times we have spoken to you or helped. All fees are explained on your initial call.
Straight talking advice and smart sourcing across 130+ UK lenders. Check live rates, get a soft search Mortgage in Principle in around 15 minutes and compare options market rates and suitable mortgage solutions.
0800 0320 316Expert Advice on SPV Structures & Lender Criteria
Most lenders prefer limited company buy to let applications to be submitted through a Special Purpose Vehicle (SPV). An SPV is a company set up specifically for property investment, which makes it easier for lenders to assess risk and understand the company’s purpose.
We help landlords navigate this by ensuring:
- The company structure aligns with lender expectations
- The correct property-related SIC codes are in place
- Directors and shareholders are assessed appropriately, including personal guarantees where required
- The application is matched to lenders whose criteria fit both the property and the wider portfolio
Important note on tax and legal alignment
We’ll work alongside your accountant and solicitor where needed. Tax treatment and company structuring are not mortgage advice, so it’s sensible to align the lending plan with professional tax and legal guidance.
End-to-End Portfolio Support
Many landlords use limited company buy to let as part of a longer-term investment strategy rather than a one-off purchase. As portfolios grow, borrowing decisions often become more complex and require regular review.
We provide ongoing support to help landlords manage their borrowing effectively, including:
- Reviewing options ahead of product end dates
- Monitoring lender criteria and rate changes across your portfolio
- Advising on refinancing or releasing equity to fund future purchases
- Supporting portfolio landlords as their structures and borrowing evolve
This relationship-led approach helps landlords make informed decisions over time, rather than reacting to changes at the last minute.
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3 Simple Steps to get your LTD Buy to Let Mortgage in Principle
No Mortgage - No Fee. If we don't get you the right deal, we don't get paid.
1. Book your free appointment with BTL adviser
Free, no-obligation chat – We’ll talk through whether a limited company buy to let mortgage is right for your strategy, outline the documents you’ll need and confirm the next steps. We’ll then research lenders and products that fit your plans.
2. We design and secure your mortgage
Your adviser compares lenders, structures and products for your limited company buy to let mortgage, then handles the full application end‑to‑end. You’ll receive clear, personable advice throughout, with every recommendation tailored to your company structure and long-term plans.
3. Ongoing support & 24/7 monitoring
After completion, we don’t disappear – we provide ongoing landlord support and 24/7 mortgage monitoring across all your properties. This helps you identify better deals, track key renewal dates and manage your portfolio more confidently over the long term.
Why use an Independent Mortgage Broker?
Better choice. Better guidance. Better outcomes.
- Access 130+ UK lenders and 25,000+ mortgage products
- Soft-search mortgage in principle – no credit impact
- Specialist help for first-time landlords through to portfolio landlords and investors
- Evening & Saturday appointments and fast turnaround options available
Book Free Appointment
No Mortgage = No Fee.
We believe in our expertise and confident we can not just save, but make you money. Therefore, all our expert advisers free comparisons, rate searches and appointments. All free, no obligation advice. No surprises. We apply one simply broker fee if you proceed, no matter how many times we have spoken to you or helped. All fees are explained on your initial call.
Straight talking advice and smart sourcing across 130+ UK lenders. Check live rates, get a soft search Mortgage in Principle in around 15 minutes and compare options market rates and suitable mortgage solutions.
What Is a Limited Company Buy to Let Mortgage?
A limited company buy to let mortgage is a landlord mortgage where the borrower is a UK limited company (often a Special Purpose Vehicle – SPV), rather than you personally.
- The property is bought and owned by the company
- You (and any co‑owners) are usually directors/shareholders
- The lender assesses both the company and the people behind it
- The property is rented out just like a standard buy to let
In other words, it’s a buy to let mortgage for a limited company, designed specifically for landlords who want to hold property inside a corporate structure rather than in their own name
Limited Company vs Personal Buy to Let: Which Is Better?
here’s no one‑size‑fits‑all answer. as for some landlords, a limited company structure is more tax‑efficient whilst for others, a simple personal buy to let is cheaper and easier.
PLEASE NOTE:
New “property income” tax bands for individual landlords have been announced in the Autumn Budget 2025.
The Budget introduces separate property income tax rates, increasing them by 2 percentage points (to 22%, 42% and 47%) from 2027–28. This will hit individual landlords with rental income, not limited companies directly.
This reinforces our view that higher-rate landlords may want to look carefully at their ownership structure with their accountant, as incorporating can change how profits are taxed and how mortgage interest is treated.
The right option depends on your income, portfolio size, long-term plans and how you intend to grow your investments — which is why specialist advice is essential.
How a Buy to Let Mortgage for a Limited Company Works
A limited company buy to let mortgage works similarly to a personal buy to let, but lenders assess both the company structure and the individuals behind it. Most applications follow clear themes around Special Purpose Vehicle (SPV) setup, underwriting rules and rental stress testing, which we have outlined below:
Typical Lender Criteria
While every lender is different, many buy to let mortgage for limited company products follow criteria. Lenders typically look for:
- A UK limited company, often an SPV set up solely for buying, letting and selling property
- Correct SIC codes for property letting / investment, aligned with lender expectations
- Directors and major shareholders to give personal guarantees
- Deposit typically 20–25% (or more) depending on property type and rental yield, with maximum LTV often around 75% (occasionally higher with specialist lenders)
- Rental stress test based on expected rental income, interest rate and a coverage ratio (e.g. 125–145% of interest payments)
- Portfolio landlord rules if you (personally or via companies) already own four or more mortgaged properties
These criteria help lenders assess risk across both the company and the individuals involved.
We can match your situation and goals to lenders whose criteria fit; including specialists happy with SPVs, newly incorporated companies, or more complex setups.
Deposits, Rates & Fees
With a limited company buy to let mortgage, you can generally expect:
- Interest rates that are usually slightly higher than equivalent personal buy to let deals, as lenders view company structures as more specialist
- Options for fixed or variable rates and interest‑only or capital repayment structures
- Product / arrangement fees, sometimes as a percentage of the loan
- Standard legal and valuation fees, plus your own company accountancy costs
Our role is to look at the whole picture, with interest rate, fees, tax position and long‑term plans all playing a critical factor. You can decide whether limited company borrowing really improves your net return, not just your headline rate and we will help you make that decision with confidence.
Tax & Legal Considerations (General Guidance Only)
We are mortgage specialists, not tax advisers. We can highlight the key issues, but you should always take personalised advice from an accountant or tax specialist before acting.
Tax plays a major role in choosing between personal and limited company borrowing. Issues such as corporation tax, dividend tax, Section 24 mortgage interest relief changes, and inheritance planning can all influence the best structure for your long-term goals.
Recent UK Budgets, including the 2025 Autumn Budget, have tended to increase the tax burden on many individual landlords rather than reduce it, which is one reason more investors are exploring limited company structures with their professional advisers.
Section 24 & Mortgage Interest Relief
Section 24 of the Finance Act 2015 changed how individual landlords can treat mortgage interest for tax purposes. Instead of fully deducting finance costs from rental income, individuals must apply a basic-rate tax credit; a shift that significantly affects higher-rate taxpayers.
The key points are:
- Individuals can no longer deduct all mortgage interest from rental income
- Instead, they pay tax on the full rental income and receive a 20% tax credit on finance costs
- For higher‑rate and additional‑rate taxpayers, this can significantly increase the tax bill and create “paper profits” that don’t reflect real cashflow.
Crucially, Section 24 does not apply to limited companies, which can normally still deduct mortgage interest in full as a business expense. That’s a key reason incorporation has become so popular among professional landlords.
This change forms the foundation for understanding why limited company buy to let has become increasingly popular among professional or long-term investors.
SPVs, SIC Codes & Company Structure
Many lenders prefer applications to come from a simple Special Purpose Vehicle (SPV). An SPV is a limited company set up solely to hold and manage property, which makes it easier for lenders to assess risk and ensures the company’s purpose is clear.
Typical SPV expectations include:
- A limited company set up solely to hold and manage property
- Registered with appropriate property‑related SIC codes
- No trading activity unrelated to property
We will talk you through how lenders view SPVs vs trading companies, and we’ll work alongside your accountant or solicitor so everything lines up correctly on the mortgage application and at Companies House.
SDLT, CGT & Other Taxes: Before you buy (or restructure) using a limited company, it’s vital to understand the wider tax implications:
Stamp Duty Land Tax (SDLT): Additional property and company purchases typically pay a higher SDLT surcharge on top of standard residential bands. Recent rule changes have increased these surcharges, raising upfront costs for many investors.
Capital Gains Tax (CGT): Moving a personally owned property into a company is normally treated as a sale for CGT purposes.
Corporation Ttax: Your company pays corporation tax on its rental profits.
Taking money out: Salary, dividends and director’s loans each have their own tax consequences.
We will highlight the key issues and answer your questions, but tailored advice must come from a tax professional. Understanding these areas early helps you ask the right questions and structure your buy to let plans confidently.
Moving Existing Buy to Lets into a Limited Company
Can you transfer existing rentals into a company and refinance them onto a limited company buy to let mortgage? Yes and many landlords do exactly that, but the process is not a simple “name change”.
In broad terms, it involves:
- Setting up a limited company (usually an SPV)
- Your company buying the property from you at market value
- Taking out a buy to let mortgage for the limited company to fund that purchase
- Paying any SDLT surcharge due, plus potential CGT on your personal disposal
- Settling any early repayment charges on your existing mortgage
Because Section 24 and rising interest rates have squeezed individual landlords, record numbers are now incorporating portfolios – but this doesn’t automatically mean it’s the best move for you.
What we will do is:
- Model limited company vs personal borrowing from a mortgage perspective
- Help you understand how lenders view a “transfer to company”
- Help you coordinate with your accountant and solicitor so the structure, contracts and borrowing all join up
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Using Business Profits or Director’s Loans for Limited Company Buy to Let
If you already run a profitable business, you may be considering how to use company funds or director’s loans to support your property investments. Common approaches include:
- Lending money from yourself to your property SPV as a director’s loan
- Using retained profits from your trading company (with your accountant’s guidance)
This can be attractive because it reduces how much you need to borrow on the mortgage and therefore your exposure to higher rates; but it can have complex tax implications, especially around:
- Loans to participators
- Corporation tax on trading profits
- How and when money is extracted personally
We can show you how different lenders treat director’s loans, gifted deposits and inter‑company loans on limited company buy to let applications, then your accountant can confirm the most tax‑efficient way to structure the funds.
Limited Company Buy to Let for Portfolio Landlords
If you already own several rental properties, lenders may class you as a portfolio landlord. This triggers additional underwriting checks whether you borrow personally or through a limited company, as lenders need to understand how your wider property business performs.
- Minimum experience and number of properties
- Business plan style approach to your portfolio
- Detailed background portfolio spreadsheet (rents, values, mortgages, locations)
- Stress testing not just the new property, but your whole portfolio
Our specialist team regularly works with landlords restructuring or expanding portfolios into limited company structures, including:
- Remortgaging existing stock into an SPV
- Raising capital for deposits on further purchases
- Combining multiple properties under one lender where appropriate
We will package your case clearly for underwriters, which can be the difference between a decline and an approval on more complex portfolios.
Why Landlords Choose The Mortgage Broker
Landlords choose The Mortgage Broker because our team specialises in the nuances of limited company and SPV lending. We combine deep knowledge of lender criteria with hands-on experience across portfolios, trading companies and complex structures. This specialist insight helps clients secure approvals and products that many brokers would miss.
Specialist Limited Company Buy to Let Expertise
- Dedicated buy to let and limited company advisory team
- 24/7 Mortgage monitoring across all properties
- 130+ Mortgage Lenders across The Mortgage Broker panel
- Experience with SPVs, trading companies, HMOs, multi‑unit blocks and “above commercial” properties
- Understanding of lender quirks around SIC codes, directorships, layered companies and background portfolios
This blend of specialist knowledge and lender insight helps us secure approvals on cases that many brokers struggle to place — especially for landlords with more complex company or portfolio arrangements.
Experience, Trust & Real‑World Authority
Landlords trust us with their limited company buy to let strategy because our advisers bring deep, specialised expertise to every case:
- Award‑winning advisers with deep experience in landlord and investor mortgages
- 2,500+ genuine 5‑star Trustpilot reviews, reflecting our focus on service and results
- Up to date knowledge of Budgets, Section 24, SDLT changes and landlord regulation, so your mortgage strategy is aligned with today’s rules – not last year’s
This experience allows us to guide you through even complex limited company applications with clarity and confidence.
Clear, Supportive Process
From first enquiry to completion, we will:
- Listen to your goals: income, growth, retirement, family planning
- Compare limited company vs personal options where relevant
- Source and recommend a shortlist of suitable lenders and products
- Secure an Agreement in Principle where needed
- Package your application and liaise with lenders, solicitors and – if you wish – your accountant
- Keep you updated at every stage
We always explain any broker fees and lender costs upfront, so you can make informed decisions with no surprises. Our aim is to make the process as clear and stress-free as possible.
Real Client Success Stories:
Renovation Complete, Flats Let: Securing a 5-Year Fixed to Repay an Expiring Bridge
An existing client, with whom we have worked with for five years on multiple limited company buy to let applications (Standard, Holiday lets, MUBs), approached us to refinance one their properties. Previously, an attempt was made to secure a multi-unit block (MUB) mortgage for this property, but it was deemed unfit for habitation due to severe damp and mould issues. At that time, a bridging loan was arranged to allow the purchase and renovation of the property. All renovation work has now been completed, and all six flats are leased again. The goal was to remortgage to repay the bridge before its expiry in February 2026.
The property is a six flat MUB located near a working men’s club and a pub, which significantly restricted lender options. Additionally, the client required a 75% loan-to-value (LTV) ratio to free up capital for further property purchases, adding complexity to the case.
We identified a lender willing to accommodate the unique circumstances, including the property’s location and structure, as well as the client’s LTV requirement. The application was submitted, and following a successful valuation, the case was approved for sign-off with an offer to be issued. The mortgage arranged was a 5-year fixed interest only product at an interest rate of 5.89%, with monthly payments of £1,671.
The refinance will allow the client to repay the bridging loan before its expiry, securing long term financing for the renovated property. This positions the client to pursue additional property acquisitions, with several potential purchases already under consideration for early next year.
| New Lender | Property Value | Balance | Loan to Value | Term | Interest Rate | Payment Type | Product Type | Payment |
| New Mortgage | £445,000 | £333,750 | 75.00% | 25 | 5.89% | Interest Only | 5 year Fixed | £1,671 |
By securing a suitable mortgage under challenging conditions, the client avoided the financial risk of an expiring bridge and gained stability through a fixed rate product. This solution also enabled the client to maintain liquidity for future investments, supporting their ongoing growth strategy in the property market.
We are also set to help the clients review four mortgages with products expiring in the New Year.
SPV Limited Company Landlord Mortgage Approved – using rental income only!
A new landlord had recently set up a Special Purpose Vehicle (SPV) and purchased their first rental property in cash. They were looking to acquire a second property using a mortgage. The complexity arose because the primary income was in US Dollars, and the spouse had a relatively low income in GBP.
| Commitment Type | Property Value | Balance | Loan to Value | Term | Payment Type | Interest Rate | Product Type | Payment |
| Mortgage | £98,000 | £68,000 | 69.39% | 20 Years | Repayment | 5.27% | 5 Year Fixed | £459.00 |
The main challenge was that the clients’ earnings were primarily in a foreign currency, which often creates issues with lender criteria and affordability assessments. Additionally, the spouse’s low GBP income wasn’t sufficient to support the application on its own.
Using our knowledge and experience, we knew of a lender that did not impose a minimum income requirement, which allowed the foreign currency income to be disregarded without affecting eligibility, instead the affordability assessment used the rental income. This flexibility made it possible to proceed with the mortgage application smoothly. The property involved was located in Scotland, adding a regional consideration to the case as some lenders only lend in England and Wales.
The mortgage was successfully arranged on a 5-year fixed product with a repayment term of 20 years. The loan amount was £68,000 against a property value of £98,000, resulting in a Loan-to-Value (LTV) of approximately 69%. Monthly payments were set at £459.
This solution enabled the landlord to quickly expand their property portfolio without being hindered by income currency restrictions or minimum income requirements. It provided a practical route for portfolio growth under a structured SPV setup.
Advisor: Harrison AndrewsYour Next Step – Book a Free Limited Company Buy to Let Review
If you are:
Wondering whether to set up a limited company for your first rental
Debating whether to incorporate an existing portfolio
Trying to understand how a buy to let mortgage for a limited company would work for your situation
…talk to us.
What you’ll get from your free appointment:
Your free appointment is designed to give you clear, personalised guidance on the best way forward. You will receive:
- If first time landlord, a plain English explanation of how limited company buy to let works
- An initial view of whether it might be beneficial vs personal borrowing (from a mortgage angle)
- A discussion of lender options, criteria and typical costs
- Clear next steps and questions to take to your accountant or tax adviser
We can arrange appointments by phone or video at a time that suits you.