Buying or refinancing rental property through a limited company or SPV? We arrange limited-company buy-to-let mortgages across the whole market — for portfolios, HMOs and first-time landlords alike.
More landlords now hold property in a limited company — often a special purpose vehicle (SPV) — for tax-planning and portfolio reasons. We arrange buy-to-let mortgages for limited companies across the whole market: purchase or remortgage, single units to large portfolios, standard lets to HMOs and multi-unit blocks.
A limited-company buy-to-let mortgage works much like a personal one, but the borrower is your company rather than you personally. Many landlords prefer this structure — though whether it suits you is a question for your accountant, not us.
Holding rental property in a limited company can have tax and portfolio-planning advantages. The right structure depends entirely on your circumstances, so we would always say take advice from your accountant or tax adviser before deciding — we arrange the finance once you have.
Most lenders prefer a clean special purpose vehicle (an SPV set up only to hold property), and pricing is often best there. Mortgages for trading companies that also hold property are available, but from a smaller pool of lenders.
Company buy-to-let is rent-stress-tested like any BTL, but the calculation is frequently more favourable than higher-rate personal borrowing. Where rent is tight, some lenders allow top-slicing using other income.
Lenders almost always require a personal guarantee from the company directors, since the company itself usually has few other assets. That is normal and expected for company buy-to-let.
A landlord moves three rental properties into an SPV and remortgages the portfolio at £900,000 (75% LTV), releasing £120,000 to buy the next property.
Property-finance cases handled across a range of client requirements.
Landlord refinanced three properties into a single SPV facility and released equity for the next purchase.
First-time landlord bought through a newly formed SPV — placed with a lender comfortable with new companies.
Six-bed HMO held in a limited company, funded by a specialist HMO lender at a favourable stress test.
Many landlords do it for tax and portfolio-planning reasons, but whether it is right for you depends on your circumstances — that is a question for your accountant. We arrange the mortgage once you have decided on the structure.
Yes. Plenty of lenders are comfortable lending to newly formed SPVs and first-time landlords, though the choice of lender is a little narrower.
Typically up to 80% on standard limited-company buy-to-let, with up to 100% of a purchase possible where additional security is offered.
Almost always, yes. Because the company usually holds little beyond the property, lenders require a personal guarantee from the directors — this is standard.
Yes — HMOs, multi-unit blocks and portfolios of any size can be funded through a company, including specialist HMO lenders and portfolio facilities.
