78 products available to compare
MT Finance
BTL 2 Year Fixed 7% Fee SPV LTD COMPANY
LendInvest
Intermediary Tier 1 BTL 2 Year Fixed 7.00% Fee LTD CO SPV
WestOne Loans
BTL W1 2 Year Fixed 7% Fee LTD Co SPV Limited Edition
Landbay
BTL 2 Year Fixed 6.00% Fee Standard (SPV/LLP)
CHL Mortgages
CHL 1 BTL 2 Year Fixed 5.00% Fee (SPV LTD CO.)
Molo
Limited Edition BTL 2 Year Fixed 4% Fee Ltd Co SPV
Molo
Limited Edition BTL 2 Year Fixed 4% Fee Specialist HMO/MUFB Ltd Co SPV
Landbay
BTL 2 Year Fixed 5.00% Fee Standard (SPV/LLP)
Keystone Property Finance
BTL 2 Year Fixed 2.00% Fee Classic SPV LTD Co's
Landbay
BTL 2 Year Fixed 5.00% Fee Small MUFB (SPV/LLP)
Landbay
BTL 2 Year Fixed 5.00% Fee Small HMO (SPV/LLP)
Vida Homeloans
Limited Edition Intermediary BTL 5 Year Fixed 6% Fee SPV LTD Company (VIDA 36)
The Mortgage Lender
BTL 2 Year Fixed 5% Fee SPV Ltd Co
Keystone Property Finance
BTL 7 Year Fixed 2.00% Fee Classic SPV LTD Co's
Keystone Property Finance
BTL 7 Year Fixed 2.00% Fee Classic HMO/Multi-unit SPV LTD Co's >6 Occupants
The Mortgage Lender
BTL 5 Year Fixed 1.50% Fee SPV Ltd Co
Landbay
BTL 2 Year Fixed 5% Fee Like for Like Remortgage Standard (SPV/LLP)
Landbay
BTL 5 Year Fixed 6.00% Fee Standard (SPV/LLP) Special Edition
The Mortgage Works
RETENTION Intermediary BTL LTD Co SPV 2 Year Fixed 3% Fee Switcher
Fleet Mortgages
Green BTL 5 Year Fixed 1.75% Fee SPV LTD Company/LLP
Learn more about our excellent providers
The Mortgage Lender offers buy to let mortgages for Limited Companies (Ltd) that meet their criteria.
Learn MoreSaffron Building Society is a mutual society which has been serving the local community since 1849. They pride themselves on being a mutual organisation, which means they’re owned by their members, and exist solely for their member’s benefit.
Learn MorePrecise Mortgages delivers innovative buy to let mortgages, bridging and second charge loans. Their mission is to broaden the criteria for mortgage/loan approval to support buy to let entrepreneurialism. Their award winning, technology driven underwriting and credit risk management processes mean they can be more expansive in their mortgage and loan approvals - serving those underserved by mainstream lenders. Precise Mortgages can support small to large sized UK businesses that meet their criter...
Learn MoreParagon Bank prides itself on their experienced and long serving board, they offer buy to let mortgages for first time landlords and portfolio landlords through Limited Companies (Ltd), asset finance, property development finance, structured lending and invoice finance. Paragon supports business customers throughout the UK, with a range of specialist lending products tailored to meet the needs of landlords, property developers and enterprises across a wide range of sectors. They can support smal...
Learn MoreMolo Finance is the UK’s first digital mortgage lender so forget paperwork and multiple appointments. They provide residential and buy to let mortgages and remortgages to individuals and Limited Companies (Ltd). To get a mortgage with Molo Finance you must be an experienced landlord with 4 properties or more.
Learn MoreLandbay is a specialist peer-to-peer lending platform for residential buy to let mortgages creating a more accessible buy to let marketplace for investors, borrowers and brokers. They create a new type of investment opportunity for the everyday lender, helping investors to reap the consistent, solid and regular financial returns offered by the resilient UK buy to let mortgage market and supporting responsible borrowers in securing access to faster funding. They can support first time landlords a...
Learn MoreKeystone Property Finance is a specialist buy to let lender that can support first time landlords and portfolio landlords in Limited Companies (Ltd) that meet their criteria.
Learn MoreKent Reliance specialises in business savings and buy to let mortgages. They can support first time landlords and portfolio landlords in Limited Companies (Ltd) that meet their criteria.
Learn MoreKensington is an award-winning buy to let lender for experienced and first time landlords, their buy to let mortgages are designed to give landlords what they need; flexible lending criteria, human underwriters who don’t only rely on machines, and no maximum portfolio limits. They can support UK landlords who meet their criteria.
Learn MoreFoundation Home Loans offers buy to let mortgages for portfolio landlords that invest through Limited Companies (Ltd). They can support portfolio landlords in the UK that meet their criteria.
Learn MoreFleet Mortgages is a buy to let and specialist lender. Lending exclusively through the intermediary sector, they offer buy to let mortgages for Limited Companies (Ltd) and those seeking finance for Houses in Multiple Occupation (HMOs). They can support small to large sized businesses in the UK that meet their criteria.
Learn MoreBuckinghamshire Building Society’s philosophy of “doing the right thing” means that their members are at the heart of everything they do. Their aim is to offer a continually improving service to members as well as providing a financially secure and safe business environment for members to conduct their financial transactions. They offer buy to let mortgages to Limited Companies (Ltd) and can help small to large sized UK based businesses that meet their criteria.
Learn MoreFrequently Asked Questions
Need answers? We got 'em.
There is potentially significant tax advantages by using a limited company, however you should always speak with a chartered accountant or specialist tax adviser before making any investment structure decisions.
If you're considering investing through a limited company (SPV):
You might be under the impression that there's a minimum term a company must have been trading for, however there is no such requirement. In truth, you can get a mortgage arranged before setting up an SPV. A certificate of incorporation will be required before the mortgage can be completed.
Lenders will generally require the rental income to cover 125% of the mortgage payments if the mortgage is paid at an interest rate of 5.5%. To determine how much you could borrow you take the annual rental amount, divide it by 5.5% then divide the answer by 125%. For example with an annual rental income of £11,000 your calculation would be (11000 / 5.5%) / 125% = 160000.
You, as director, are the lenders main focus. They will be looking to ensure you can meet the terms of the mortgage. Your income, credit history, investment experience, job, and various other points are examined in the same way as a personal mortgage.
Generally directors will be required to give personal guarantees, meaning you will be personally obligated to fulfil the company's debt. This would be the difference in the value of the property against the amount owed.