Limited Company Buy-to-Let Mortgages
Buy-to-let mortgages for limited companies and SPVs. Purchase, remortgage or grow a portfolio with lenders that specialise in company borrowing.
What can you finance?
- Single-let houses and flats
- HMOs and student lets
- Multi-unit freehold blocks
- Holiday lets and serviced accommodation
- Portfolio purchases and refinances
- Ex-local authority and non-standard construction
Who can we help?
- Limited companies and SPVs only – we do not arrange personal-name BTL
- First-time and experienced landlords incorporating a portfolio
- Portfolio landlords with 4+ properties
- Landlords remortgaging to release equity for the next purchase
- Investors buying at auction with a bridge-to-let exit
How much can you borrow?
Up to 80% LTV
Most limited company BTL lenders go to 75% LTV, with some to 80% on strong cases. Affordability is based on rental income covering around 125% of the mortgage interest at a stress rate, not on directors' salaries. Loans from £50,000 upwards per property.
How quickly can funding be arranged?
4–8 weeks to completion
Decision in principle within 24–48 hours, full offer typically 2–4 weeks after valuation, and completion in line with your conveyancing. Remortgages can be faster where title is straightforward.
What do lenders look for?
Knowing what underwriters weigh up lets us present your case properly the first time, which means faster decisions and better terms.
- 01Rental income and interest cover ratio
- 02Company structure: SPV SIC codes and shareholder guarantees
- 03Landlord experience and existing portfolio performance
- 04Property type, tenancy and EPC rating
- 05Director credit history and source of deposit
BTL Mortgages questions
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