Lenders who offer Limited Company Buy-To-Let Mortgages
Limited company buy-to-let mortgages are offered by a variety of lenders, from high street banks to specialist providers that only work through brokers. At CMA Mortgage Brokers, we have access to competitive deals and exclusive terms that aren’t visible on the high street.
Our expertise in the buy-to-let market ensures we know how to structure finance for limited company properties, whether it’s for HMOs, student accommodation, or refurbishment projects.
Terms for Limited Company Buy-To-Let Mortgages
While the rates for limited company buy-to-let mortgages are typically slightly higher than standard buy-to-let in personal names, the evolving market is creating competition among lenders to offer better rates and terms.
Maximum Loan-to-Value (LTV)
Some mortgage lenders will lend up to 80% LTV; however, rates improve significantly when LTV is 75% or below, however the rental calculator will dictate how much can be borrowed.
Arrangement Fees
These can be fixed or variable and often track the Bank of England base rate or LIBOR.
Personalised Recommendations
These tend to be percentage-based, but with increasing competition, fixed fees are becoming more common.
SPVs vs. Trading Companies
You may have come across the term SPV, which stands for Special Purpose Vehicle. This is a limited company set up specifically for holding property investments. Many lenders prefer lending to SPVs due to their specialised business purpose.
Alternatively, a trading limited company can also hold buy-to-let properties, but fewer lenders cater to this structure. For example, a company established solely as a property portfolio holder (e.g., CMA Property Investments Ltd) would have access to a wider selection of lenders compared to trading entities involved in other business activities.
The good news is that newly incorporated SPV companies are typically acceptable to lenders. CMA Mortgage Brokers can help you set up an SPV and secure the right finance for its needs within the same day of application. This ensures you get the best mortgage tailored for your property investment goals.
Personal Guarantees
Although the mortgage is in your limited company’s name (a separate legal entity with limited liability), directors or shareholders are usually required to provide personal guarantees. This is a safeguard for lenders, ensuring that if the company fails to meet its obligations, the guarantor assumes repayment responsibility.
Converting Property Portfolios from Personal to Limited Company Ownership
Why Choose CMA Mortgage Brokers for Limited Company Buy-To-Let Mortgages?
Access to the full UK mortgage market, including specialist lenders.
Expertise in working with SPVs and trading companies.
Tailored advice for portfolio landlords.
A clear understanding of how SIC codes affect your borrowing potential.
You may have come across the term SPV, which stands for Special Purpose Vehicle. This is a limited company set up specifically for holding property investments. Many lenders prefer lending to SPVs due to their specialised business purpose.
Alternatively, a trading limited company can also hold buy-to-let properties, but fewer lenders cater to this structure. For example, a company established solely as a property portfolio holder (e.g., CMA Property Investments Ltd) would have access to a wider selection of lenders compared to trading entities involved in other business activities.
The good news is that newly incorporated SPV companies are typically acceptable to lenders. CMA Mortgage Brokers can help you set up an SPV and secure the right finance for its needs within the same day of application. This ensures you get the best mortgage tailored for your property investment goals.
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