Buy to Let Mortgages for Limited Companies and SPV’s

Our mortgage advisers can provide bespoke solutions for limited companies looking to invest in buy-to-let properties.  

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Experts in buy to let mortgages for limited companies

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.

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What is a buy–to-let mortgage for limited companies?

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.  

Can I transfer my mortgage to a limited company?

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.  

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ANDREW CARD Bower Home Finance I first met Andrew in 2014. He was recommended to us by Coutts - that was the one good thing they did – most of their advice was the reason we needed to release funds to top up our pension. At our first meeting it quickly became apparent that Andrew was an expert in the area of Equity Release and its wider context. He was knowledgeable and trustworthy. Working with him was as much a pleasure as it was business. Following my husband’s death, I had reason to reach out to Andrew on several occasions. He gave me wise advice on the timing of selling my Normandy house and the effects of that on the Equity Release. Now, having past my eightieth birthday I felt I should put my affairs in order. So naturally I called Andrew who had been at Bower Home Finance for some years now. With his usual skill and efficiency, he made a complex situation seem straightforward. He has put me in a situation that will allow me to live the way I want for the rest of my life. Finally, I would like to point out how important it is for a widow like me, to have someone to discuss her future with; someone who is ready and able to understand not only the needs of a later life but who can intuit the hopes that go with it. Whilst I had been thinking about having enough money, Andrew, in his courteous way had taken on board the many activities I currently enjoy and made sure that I can continue to enjoy a full life. I couldn’t be more pleased to recommend him and of course Bower Home Finance. Jill Saxton 2025

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All because of Paul Macleod. I chose Bower because of Paul Macleod. He has and is: Communicator Not a time watcher Personality Clear Fair Knowledgeable Quick Pacifier Arranger Completer It had been an absolute shear pleasure to work with Paul. There was even a time when it was actually advisable for me to pull out before the deadline but I stayed on because of his calming outlook. I stayed on this time literally because of the person not the financial deal. So take him off the road and get him to train on customer relationships and duplicate his techniques and atiquettes

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Ilford

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Mortgage advice you can trust at Bower Private Clients

Speak to our specialist mortgage advisers

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.

Fulfil your property dreams

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.

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Frequently Asked Questions

What are the benefits of a buy-to-let mortgage for limited companies?

Buy-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.

What is the difference between a limited company and SPV mortgage?  

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.  

Are you regulated by the FCA?  

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.  

Mortgage Specialist

With access to over 500 lenders, Bower will help you release equity and create liquidity to acquire property, whenever you want to buy

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 provides impartial whole of market advice with an award winning customer service experience. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but a typical fee of £695 will be payable on the application of the mortgage.

Speak to one of our dedicated customer specialists or arrange your free, initial no-obligation quote by calling us on freephone 0203 817 6040.