You’ve Just Found a Specialist in Limited Company Mortgages
Securing a buy-to-let mortgage through a limited company can be complex — but with Reliance Mortgages, you're in expert hands. We work with specialist lenders and offer tailored advice at every step, helping landlords secure the most suitable mortgage for their SPV or trading business structure.
What Is a Limited Company Mortgage?
A limited company mortgage is designed for investment property purchases made by a registered company rather than an individual. Most often, these mortgages are taken out by a Special Purpose Vehicle (SPV) — a company set up solely for owning, renting, or managing residential properties.
However, lenders may also consider applications from trading businesses (e.g., dental practices or accounting firms), Limited Liability Partnerships (LLPs), or trusts if property is being purchased for investment purposes.
An SPV is the most common structure, specifically created for property transactions and not intended for other business activities.
Why Choose a Limited Company Buy-to-Let Mortgage?
Many landlords choose to build their property portfolios within a limited company for the benefits it offers over individual ownership:
- Tax efficiency – Limited companies may pay corporation tax, which is typically lower than income tax. They can also deduct mortgage interest and other expenses.*
- Flexible deposit funding – You may fund deposits via a director’s loan from personal savings.*
- Joint ownership options – Easily invest with business partners under one company name.
- Limited personal liability – As a separate legal entity, a limited company can help isolate business risk from your personal assets. (Note: Some lenders may still require personal guarantees.)*
*Please consult an accountant for tailored tax advice.
Eligibility for a Limited Company Mortgage
To apply, you must already have an SPV set up or be willing to create one during the application process. We provide whole-of-market advice and keep up to date with the best deals for landlords using limited company structures.
Your company must typically fall under one of the following SIC codes:
- 68201 – Renting & operating of housing association real estate
- 68209 – Other letting & operating of own or leased real estate
- 68320 – Management of real estate on a fee or contract basis
- 68100 – Buying & selling own real estate
Other general requirements are similar to traditional buy-to-let mortgages. Some lenders limit the number of directors (commonly four). Whether you’re purchasing your first buy-to-let or expanding your portfolio, we’ll find you options that align with your goals.
Rates for Limited Company Buy-to-Let Mortgages
Rates may vary depending on your financial profile, loan size, and loan-to-value (LTV) ratio. Some lenders offer exclusive products for portfolio landlords (those with four or more buy-to-let properties), which can bring added flexibility and pricing advantages.
The type and location of the property may also affect your rate, especially if considered higher-risk by the lender.
Applying for a Limited Company Mortgage with Reliance Mortgages
At Reliance Mortgages, we specialise in buy-to-let and SPV mortgage solutions. Our team is equipped to guide you through the application process and ensure you understand every detail of this unique mortgage route.
With access to a wide panel of specialist lenders, we can compare offers and secure competitive rates that are right for your investment structure.
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