BUY TO LET
Limited Company
Specialist Buy to Let finance structured for limited company property investors.
Investing Through A Limited Company
Purchasing investment property through a limited company structure has become an increasingly popular approach for landlords seeking greater tax efficiency, long-term portfolio growth, and improved financial flexibility.
At the same time, navigating the limited company mortgage market can be significantly more complex than traditional Buy to Let lending. From selecting the correct company structure to understanding lender criteria, specialist guidance is essential to ensure the right foundation is in place from the outset.
We work closely with landlords, investors, and first-time limited company borrowers to arrange tailored mortgage solutions through a wide panel of specialist lenders. Whether you are purchasing through a newly formed SPV (Special Purpose Vehicle) or an existing trading company, we can guide you through the process from start to finish.
Some buy-to-let products are only available through regulated mortgage professional such as ourselves. Seeking advice from a non-regulated buy-to-let adviser may result in you missing out on a wider range of lending products that could otherwise be available to you.
INDUSTRY SPECIFIC EXPERTISE
Investing Through An SPV
An SPV (Special Purpose Vehicle) is a limited company created specifically for purchasing and managing investment property. Rather than operating as a general trading business, an SPV is set up solely for property-related activities, which is the structure preferred by most Buy to Let lenders.
Using an SPV can offer landlords greater flexibility from a tax and portfolio management perspective, while also providing access to a wider range of specialist limited company mortgage products. Typically, the company will be established with SIC codes relevant to property investment and letting activities, helping ensure it meets lender requirements from the outset.
We can assist with both the setup of your SPV and sourcing the most suitable lenders for your investment strategy.
SPV STRUCURE
Benefits of Limited Company Acquisition
Tax Advantages
SPV structures may offer tax efficiencies compared with personal ownership, subject to individual circumstances.
Structure Efficiency
SPV arrangements are often attractive to lenders as they isolate property assets from day-to-day trading activities..
Greater Borrowing
Limited company buy to let lending often offers higher borrowing potential when rental income is strong
Key Considerations
SUPPORT FROM INDUSTRY PROFESSIONALS
If you are looking into becoming a limited company owner for the purpose of property it is worth ensuring you work with a community of professionals that support your vision.
Accountant
When setting up a limited company for the first time, it is strongly recommended to seek guidance from a qualified accountant. They will assist with the incorporation of the company at Companies House and ensure all administrative and tax-related requirements are correctly structured from the outset.
The appropriate SIC codes for property investment are:
68100 – Buying and selling of own real estate
68209 – Letting and operating of own or leased real estate
In addition, a dedicated business bank account must be opened in the company’s name. This is essential for mortgage payments and all financial transactions, ensuring they align correctly with the company structure.
Solicitor
It is important to work with a reputable solicitor who is on the panel of most major lenders. They will handle the legal aspects of the transaction, including the preparation of documentation and, where required, the execution of personal guarantees - the cost of this typically ranges from £250 to £500, depending on the complexity of the transaction and lender requirements.
Broker
Finally, working with a specialist mortgage broker is key to supporting both the short- and long-term strategy for your property acquisitions. A broker will help structure your finance effectively, identify suitable lending options, and ensure your portfolio is aligned with your overall investment objectives.
For investors expanding beyond a single or small number of properties, portfolio landlord finance becomes the next natural step. Once a portfolio reaches a certain scale, lending criteria become more complex and require a more strategic approach to structuring and funding.
Specialist support is available for landlords with multiple mortgaged properties, helping to navigate lender requirements and access more flexible, portfolio-based lending solutions.