Our Limited Company Buy-to-Let Mortgage Rates
Limited Company Buy-to-Let Mortgage FAQs
The criteria below is for Limited Company Buy-to-Let Mortgages where the Limited Company has no more than 3 mortgaged Buy-to-Let properties. Limited Companies with 4 or more mortgaged Buy-to-Let properties may be interested in our Portfolio Mortgage range instead.
The information below is intended to give you an idea of your eligibility for our Limited Company Buy-to-Let mortgages. Meeting the below criteria is not a guarantee of acceptance, your application will also be subject to additional underwriting criteria, credit checks and assessment of a suitable property.
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In the context of Buy-to-Let mortgages, a Special Purpose Vehicle (SPV) is a Limited Company set up for the sole purpose of buying and letting property.
The property is held by the company, rather than the property being owned by an individual.
Multiple properties can be held under one SPV to build a portfolio.
We will only lend to SPV Limited Companies based in the UK.
We will consider newly formed SPVs.
Step 1: Make an Enquiry
The first step to getting a Limited Company Buy-to-Let mortgage is submitting our enquiry form.
Step 2: We’ll Call You
After submitting your enquiry, you can usually expect us to call you within 2 working days.
During this initial phone call we will discuss your requirements and set up an appointment with one of our Mortgage Advisers. Our Mortgage Advisers are available for telephone or branch appointments, with evening and weekend appointments available.
Step 3: Your Mortgage Appointment
During your appointment, your Mortgage Adviser will provide you with information on the products available and answer your questions on a non-advised basis. If you wish to proceed, they will help you submit your application.
Start the process today by making an enquiry:
Please see our Intermediaries website for details of how to submit a Limited Company Buy-to-Let mortgage application to us:
Because our Buy-to-Let mortgages are non-regulated, we do not provide mortgage advice for any of our Buy-to-Let or investment type mortgages - including our Limited Company Buy-to-Let mortgages.
Although we cannot give you any advice, our Mortgage Advisers will be happy to take you through our product range and explain our application process in detail.
We will provide you with information to make your own decision as to which product is right for you.
The amount a lender will let you borrow depends on several different factors, including:
This depends on the Loan to Value (LTV) of the mortgage.
Our Buy-to-Let mortgages are available up to 75% LTV, so you will need a deposit of at least 25% of the property value.
There are many reasons why you might choose to run Buy-to-Let activities through a Limited Company. Here are just a couple of them:
It might be worth seeking expert financial advice if you are considering setting up a Limited Company for Buy-to-Let.
If you have 4 or more mortgaged Buy-to-Let properties, you may be interested in our Portfolio range. Our Portfolio Mortgages allow landlords to mortgage up to 20 investment type properties (including Buy-to-Let, Holiday Let, HMO and/or Multi Unit Freehold):