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What is a Limited Company Buy-to-Let Mortgage?

A limited company buy-to-let mortgage is designed for landlords who hold investment properties within a company structure (often a Special Purpose Vehicle – SPV) rather than in their personal name.

Many investors choose this route to benefit from tax efficiencies, greater flexibility in ownership, and improved portfolio growth opportunities.

Limited Company Buy-to-Let Mortgages Made Simple

Our panel of specialist brokers can help you secure buy-to-let mortgages through a limited company structure. Whether you’re building a property portfolio or looking for a tax-efficient way to invest, we’ll help you compare deals from across the market.

This service is completely FREE and comes with no obligation.

Access Ltd Company BTL Deals

Compare buy-to-let mortgages available to SPVs and trading companies, sourced from leading UK lenders across the market.

Tax-Efficient Structures

Find products suited to SPV limited companies, with lending criteria and product features aligned to portfolio growth and tax planning.

Expert Broker Support

Work with FCA-regulated specialists who understand limited company lending and will help you secure the most competitive BTL rates.

We work only with FCA-regulated mortgage brokers, giving you peace of mind that your details are safe and your enquiry will be handled quickly and professionally.

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Our Promise to You

Free, transparent, and built around your needs.

Our service is completely free to use. If you choose a mortgage from one of our partners, we may receive a commission — but our priority is always to provide clear, unbiased guidance so you can make the right decision for your investment.

process

A Simple, Stress-Free Process

No obligation. No hidden costs. Just expert help.

1. Share your property details and finance goals

2. Get matched with a specialist broker who understands your needs

3. Receive tailored mortgage options and ask questions before you decide

Limited Company BTL Mortgages Made Simple

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FAQS

Why would I use a limited company for buy-to-let? +
Many landlords use this structure for potential tax efficiency, particularly around mortgage interest relief.
Do I need a special type of company? +
Yes, most lenders require a Special Purpose Vehicle (SPV) set up for property investment.
Are rates higher than personal buy-to-let? +
Generally yes, but the tax savings often outweigh the higher interest rates.
Can I transfer personally-owned properties into my company? +
Yes, but this may trigger stamp duty and capital gains tax, so professional tax advice is crucial.
Do all lenders offer limited company buy-to-let mortgages? +
No, but the market is expanding, with many specialist lenders supporting company structures.
Can I buy HMOs or MUFBs through a limited company? +
Yes, most specialist lenders accept company structures for complex property types.
Do I need to provide a personal guarantee? +
Almost always, lenders will ask directors to personally guarantee the loan.
How many properties can I hold in an SPV? +
There’s no legal limit, many portfolio landlords manage dozens through one company.
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