Set up a mortgage under your limited company.
Buying or holding rental property through a limited company can offer advantages, but the mortgage rules are different. We help landlords understand how limited company buy to let mortgages work and secure lending that fits their structure.
At The Mortgage Heroes, we help you understand whether buying through a company makes sense and match you with lenders experienced in limited company buy to let lending.
A limited company buy to let mortgage is used when a rental property is owned by a limited company rather than an individual. The company is usually set up specifically for property investment and often referred to as a Special Purpose Vehicle (SPV).
These mortgages are assessed differently to personal buy to let. Lenders look at the company structure, directors, shareholders, and rental income, rather than just personal income.
Limited company buy to let criteria varies between lenders. You may be suitable if the property is owned or being purchased by a company set up for property investment, the rental income meets lender stress tests, and you’re a director and shareholder with an acceptable personal credit profile.
If your company structure isn’t straightforward, that doesn’t automatically rule you out. We’ll help identify lenders who take a more flexible approach.
We focus on structure, clarity, and lender fit.
We talk through your company setup and investment plans.
We assess company details, directors, and rental income.
We identify lenders specialising in limited company buy to let.
We explain mortgage options and company-specific considerations.
We manage the application through to completion.
Appropriate insurance is still required for limited company landlords. Reviewing protection can help safeguard both the property and related income.
Not always, but many lenders prefer SPV structures with specific SIC codes related to property letting. Some will consider trading companies, but options can be more limited. We’ll review your company setup and explain which lenders are most suitable.
Rates and fees can be slightly higher than personal buy to let mortgages, but this isn’t always the case. We’ll compare costs across lenders and explain the full picture so you can make an informed decision.
Rental income is the main focus, but lenders often review directors’ personal credit profiles and may require personal guarantees. We’ll explain what lenders look for and how this applies to your situation.
Yes, in some cases. Some lenders are comfortable with first-time landlords operating through a limited company, while others are more cautious. We’ll help identify lenders that suit your experience level.
This is sometimes possible, but it’s treated as a sale and purchase. Tax, legal, and mortgage considerations apply. We’ll explain the mortgage side and recommend seeking tax advice where appropriate.
Yes. Many landlords remortgage to secure better rates or release equity. Rental stress tests and company checks still apply at remortgage.
Limited company buy to let lending isn’t standardised. Lenders differ on acceptable company structures, director requirements, and rental stress tests.
Choosing the right lender can significantly affect borrowing, costs, and future flexibility. We’ll help you navigate this and avoid unnecessary complications.
Start your journey online with The Mortgage Heroes. Our experts are here to help, offering clear, practical advice and support for your mortgage journey – without the pressure.
