Our mortgage advisers can provide bespoke solutions for limited companies looking to invest in buy-to-let properties.
At Bower Private Clients, our team of mortgage experts are specialists in providing bespoke mortgage solutions for limited companies looking to expand or start investing in a property portfolio. Our specialists are well-versed in the complexities of limited companies and the application process for buy-to-let mortgages.
When contacting us, you’ll be paired with an expert adviser whose knowledge will make your process as smooth as possible. Our specialist mortgage adviser will work closely with lenders to provide a bespoke solution to match your eligibility and circumstances alike.
Buy-to-let mortgages for limited companies, sometimes referred to as Special Purpose Vehicles (SPV’s) were designed to assist those looking to purchase a rental property in a limited company structure. A buy-to-let mortgage for limited companies means a rental property can be purchased as a business rather than under a personal name. This is particularly helpful for landlords looking to manage all their properties under one business, landlords who have more complicated layered company structures or those looking to invest into multiple buy-to-let mortgages at one time.
Buy-to-let mortgages are often appealing for private landlords to pursue through a limited company due to the tax benefits it can provide, especially for landlords with growing portfolios. Our mortgage advisers will help you understand the suitability of each product and provide a comprehensive illustration with whole market advise so you can move forward with confidence.
Yes, you can transfer your mortgage to a limited company, however, it’s important to understand the implications and conditions of the transfer. Individuals with an extensive property portfolio and past the higher rate income tax rate might benefit from migrating their mortgage to a limited company however all the tax considerations and costs will need to be understood from a tax specialist, accountant and your mortgage adviser.
Our specialist mortgage advisers will work closely with you to ensure you understand the positives and negatives of buy-to-let mortgages for limited companies. They will create a bespoke illustration of what this might look like whilst considering your circumstances, including income and other investments.
Our team of specialist advisers can help you find a mortgage for buy to let properties.
Take a look at what clients experience at Bower Private Clients
I received fantastic service. My advisor was very proffesional and guided me through the whole process he was very knowledgeable about the products and worked hard to find the right one for me. He was always there to advise me and answer any questions I may have. I would not hesitate to recommend this company and my advisor to anyone requiring these services. I would definately give them 10 out of 10.
Miss Steel
Bower were worry-free, polite, efficient and friendly and got the job done with no fuss or bother. They kept us in the loop at all times, making us feel at ease, and any questions we asked, they responded with clarity and accuracy. We highly recommend them to anyone selling their house and doing an equity release. And all the sub people were excellent. Vanessa Carver was brilliant; she made it run smoothly. She was a godsend.
Mr & Mrs Kindon
GBR
Considering Equity Release was a big decision for me. Living on my own meant I had no-one to bounce ideas off so I hesitated for three months before I made the decision to contact Bower Home Finance. I read the amazing reviews they had and decided they were the ones for me. I made the initial contact on the 4th November 2025 and by the next day I was talking to Ian Bigwood who had been allocated to me. Ian had the patience to answer all of my (sometimes silly) questions, but I wanted to make sure I was doing the right thing. Ian took on board everything I said, on where I needed to be in the next twelve months and my long term goals post retirement. He advised me perfectly on what I needed and remained in full contact throughout the process, even when I wasn't expecting to hear from him. He liaised with other parties such as an equally as professional Solicitor Team to provide a perfect, worry-free service and they all contacted me when they were meant to. No delays, no stress. On the 13th January 2026, Ian called to say "Have you checked your bank account?" (I hadn't). The process was complete. In just over two months, the process was done, with no worries for me. Just to say to Bower Home Finance, you have a thoroughly professional and likeable member of your team. Easy to deal with, no pressurised questions, just the information you need and on call whenever you need them. I have no hesitation in recommending their services. I can't see how any other company could be more efficient. 10/10 from me. Oh and Ian - you may have just changed my life. And for that, I cannot be more grateful. Thank you for all you have done.
Mr Salt
GBR
I was recommended to use Vanessa Carver of Bower from a customer of mine who had employed her services and I haven't regretted one day of my decision to use her.... she is totally suited to the job she does - informative, always there for any questions or worries, empathetic, positive and very clever and knows her stuff - in short, I would recommend her to anyone as she has supported me all the way through a very stressful period of time and gone over and above the call of duty.... Bower are so lucky to have her.
Mrs Cooke
If you’re keen to delve deeper into the intricacies of mortgages for limited companies, our team at Bower Private Clients is ready to share their wealth of knowledge and expertise. Understanding the unique financial landscapes and challenges a limited company faces is our speciality.
We’re committed to providing tailored advice that aligns with your personal and business aspirations, ensuring you have the correct information to make informed decisions.
Whether you’re exploring your first mortgage as a limited or seeking to add more properties to your portfolio, our team is here to guide you through the process with clarity and confidence.
Read more about usBuy-to-let mortgages for limited companies can often be a sought-out solution for investors and landlords with an extensive property portfolio looking to become more efficient with their taxes or the management of their properties.
Increased efficiency for higher rate taxpayers
When holding a property under a limited company, it will be taxed under the current rate of corporation tax and paid as a dividend, sometimes resulting in a lower rate than the higher rate of income tax.
Mortgage interest relief
As a limited company, you can offset your mortgage interest resulting in reduced profits and the amount of tax paid.
Easier to grow your portfolio
Retaining profits under a limited company can assist in future purchases and protect them from tax liabilities, leading to a more efficient expansion of your property portfolio.
Better for inheritance tax
If you’re planning to pass on your properties to family, it can be easier as a company as this will protect properties from stamp duty and inheritance tax although professional tax advice will need to be taken to confirm your personal situation.
A special purpose vehicle (SPV) is a type of limited company set up for the sole purpose of managing properties on behalf of shareholders. This is often a popular choice for private landlords who do not yet have a company for purchasing rental properties. Special Purpose Vehicle Limited Companies are often preferred by mortgage providers as they are only set up for property rental and property sale and purchase with a specific Standard Industrial Classification (SIC) codes. Bower Home Finance can advise what codes lenders will expect before you set up your company.
Yes, we are regulated by the Financial Conduct Authority. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority, so speak to your mortgage adviser if you have any questions or concerns.
With access to over 500 lenders, Bower will help you release equity and create liquidity to acquire property, whenever you want to buy
Bower Private Clients provides independent, impartial whole of market mortgage advice with an award-winning customer service experience. Initial advice is provided at no cost to you and without obligation. Only if you choose to proceed, would a typical advice and administration fee of £495 be payable.
Speak to one of our dedicated customer specialists or arrange your free, initial no-obligation quote by calling us on 0203 817 6040.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Bower Private Clients is a trading style of Bower Retirement Limited and is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number: 451607.
Registered in England and Wales No: 5788110. Registered office: Bower Private Clients, Ongar Business Centre, The Gables, Fyfield Road, Ongar, CM5 0GA.
0808 281 2658
customer.services@bowerhomefinance.co.uk