We provide limited company buy-to-let mortgage advice in London, helping property investors structure and finance residential investment property through a UK limited company based on their needs and circumstances.
At London Finance Hub, our mortgage advisers support new and experienced landlords using special purpose vehicle (SPV) and trading company structures to purchase or remortgage buy-to-let properties, working with a range of lenders across the UK.
We review your company structure, property plans and financial position, and compare lenders across the UK mortgage market to help you understand your available limited company buy-to-let mortgage options.
Who this limited company buy-to-let service is for
Our limited company buy-to-let mortgage advice service is suitable for investors who wish to purchase or remortgage residential investment property using a UK limited company.
We support:
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Landlords purchasing through a newly formed limited company
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Investors using special purpose vehicle (SPV) companies
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Existing landlords transferring properties into a company structure
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Portfolio landlords expanding their investment portfolio
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Company directors seeking to refinance existing buy-to-let properties
How the limited company buy-to-let mortgage process works
Our limited company buy-to-let mortgage process is designed to help property investors identify suitable finance based on their investment plans and company structure.
We begin by reviewing your company details, property plans, expected rental income and overall financial position.
We then compare suitable limited company buy-to-let mortgage options from a range of lenders and explain lending criteria, interest rates and product features clearly.
Once we have identified a suitable mortgage based on your needs and circumstances, we support you through the full application, valuation and offer stages through to completion.
Deposit, rental income and lending criteria
Limited company buy-to-let mortgages are designed for properties that are intended to be let to tenants rather than occupied by the company directors.
The amount you may be able to borrow is usually assessed primarily against the expected rental income from the property. In some cases, lenders may also take account of personal income and company structure.
Typically, a higher deposit is required for limited company buy-to-let mortgages when compared with residential mortgages. In many cases, this is around 25% of the property value, although this can vary depending on the lender and the overall risk profile.
Lenders will also consider factors such as the company’s purpose, director background, existing property holdings and outstanding borrowing when assessing an application.
Why use London Finance Hub for your limited company buy-to-let mortgage
At London Finance Hub, we provide limited company buy-to-let mortgage advice to property investors.
We take time to understand your company structure, long-term investment plans and individual circumstances, and explain your options clearly so you can make informed decisions.
Our advisers support you from your initial enquiry through to completion, liaising with lenders, solicitors and other parties involved where required.
We aim to make the limited company buy-to-let mortgage process clear and straightforward, providing guidance at every stage.
Where required, we can also introduce landlords to suitable providers for landlord buildings insurance, landlord malicious damage cover and rent protection insurance of up to 12 months. We work with a range of insurers and explain the available options so you can decide whether additional protection is appropriate for your circumstances.
London Finance Hub is directly authorised and regulated by the Financial Conduct Authority.
Please note that most limited company buy-to-let mortgages are not regulated by the Financial Conduct Authority. However, some buy-to-let mortgages may be regulated, depending on the circumstances.
Limited company buy-to-let mortgage FAQs
Can I set up a new limited company to buy property?
Yes, many lenders will consider applications from newly formed limited companies, including special purpose vehicle (SPV) companies, provided the structure and proposed activity meet their criteria. Please do not hesitate to contact us to check acceptable SIC codes for SPVs.
Do I need a special type of company for a buy-to-let mortgage? Many lenders prefer limited companies that are set up specifically for property investment, often known as special purpose vehicle (SPV) companies. However, some lenders may consider trading companies, depending on the circumstances.
Where appropriate, we recommend speaking with your accountant regarding the most suitable company structure for your situation and any company formation requirements. If you do not currently have an accountant, we can introduce you to a suitable professional.
How much deposit is usually required?
In many cases, a deposit of around 25% of the property value is required, although this can vary depending on the lender, property type and overall risk assessment. Very few lenders accept minimum 20% deposit subject to their rental affordability criteria.
Is rental income the main factor for affordability?
Rental income is usually the main factor used to assess affordability. Some lenders may also consider personal income and wider financial commitments.
Can I remortgage an existing company-owned property?
Yes, many lenders offer limited company buy-to-let remortgage options, subject to valuation, rental coverage and lending criteria.
Do you charge a fee for limited company buy-to-let mortgage advice?
Any fees for our mortgage advice will be explained clearly during your initial consultation before you decide whether to proceed.