Ltd Company BTL
Limited company buy-to-let mortgage advice
Purchasing rental property through a Special Purpose Vehicle (SPV) limited company can be more tax-efficient than buying in your personal name. We arrange mortgages for both new and existing SPV structures, working with lenders who understand company lending.
Talk to usMortgage advice, made simple
Get clear advice before you apply.
Tell us about the property, SPV and landlord position.
- FCA regulated, whole-of-market mortgage advice.
- No jargon and no pressure to proceed.
- We explain fees, risks and next steps before any application.
Your home may be repossessed if you do not keep up repayments on your mortgage. Some specialist or buy-to-let finance may not be regulated by the FCA.
Why buy through a limited company?
Since the phased removal of mortgage interest tax relief for individual landlords (completed April 2020), many investors now hold rental property through a limited company. The company pays corporation tax on profits: 25% is the main rate, while eligible companies may qualify for the 19% small-profits rate or marginal relief. Ask your accountant to check eligibility and thresholds, including adjustments for associated companies and accounting periods. Mortgage interest is generally deductible under company tax rules, subject to applicable restrictions.
Whether this structure makes sense for you depends on your tax position, the size of your portfolio and your long-term plans. We do not give tax advice, but we work closely with specialist property accountants and can make introductions.
How SPV lending works
Transferring existing properties
If you already own rental properties in your personal name, transferring them into a company is possible but involves a sale (which triggers stamp duty and potentially capital gains tax). This needs careful planning with a tax adviser. In many cases, it makes more sense to keep existing properties personally and purchase new ones through the company.