Limited company buy-to-let
The short answer
SPV mortgages for company landlords
- Price from
- On quote
- Time on site
- 1 to 2 hours
What you get
Specialised advice on limited company buy-to-let mortgages, helping you understand the benefits, drawbacks, and the application process for corporate landlords.
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When do you need a Limited company buy-to-let?
You need a limited company buy-to-let mortgage when you plan to purchase investment properties through a corporate structure, or if you are considering transferring existing properties into a company. This is especially relevant for landlords looking to optimise their tax position or expand their property portfolio.
What happens on the day
Your consultation will involve discussing your business structure, tax position, and property investment goals. The advisor will explain limited company mortgage options, discuss potential tax implications (without giving tax advice), and guide you through the application requirements.
How to prepare
- Gather details about your limited company (incorporation date, directors, shareholders).
- Have an idea of the property you wish to purchase or transfer.
- Bring personal income and expenditure details for director assessments.
- Have a business plan or strategy for your property investments.
- Consult with a tax advisor about the implications before proceeding.
How to improve your result
- Ensure your limited company is correctly set up as an SPV for property investment.
- Have a clear business plan and financial projections for your property portfolio.
- Maintain a good personal credit score, as directors' credit histories are often assessed.
- Save a larger deposit, as rates can sometimes be higher for limited company mortgages.
Why it is useful day to day
Potentially offers tax efficiencies and liability protection for property investors operating through a corporate structure.
Why we ask these questions
We ask about your company structure, personal finances, and investment strategy to ensure we recommend suitable products from lenders that work with limited companies. Understanding your income and outgoings helps assess the company's ability to service the mortgage.
Frequently asked questions
Often needed alongside
Let-to-buy mortgage
Let your home and buy another
Buy-to-let mortgage
Mortgages for rental property
Auction finance
Fast funding to complete within auction deadlines
- Recurring
Landlord insurance
Buildings, contents and liability for let property
Bridging finance
Short-term loans for purchases and chains
- Recurring
Rent guarantee insurance
Covers lost rent if tenants don't pay
- Recurring
Landlord legal expenses insurance
Legal costs for possession and disputes
HMO & multi-unit mortgage
Lending for HMOs and multi-unit blocks