Limited Company Buy-to-Let Mortgages
Smarter, tax-efficient property finance tailored for landlords buying through an SPV or Ltd company.
- Potential tax advantages for higher-rate taxpayers
- Full mortgage interest relief through a limited company
- Ideal for new SPVs and experienced portfolio landlords
- Access specialist lenders not available on the high street
- Dedicated support from setup through to completion
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Why Choose Charleston?
- Specialist Lender Access: We work with lenders who understand SPVs and non-standard structures.
- Tailored Support: From setup to completion, we handle everything.
- No Upfront Fees: Our service is transparent and results-driven.
- Completion Guarantee: We see every deal through to the end.
- Long-Term Partner: We're here for future purchases, refinancing, and portfolio expansion.
Why Buy Through a Limited Company?
More landlords than ever are choosing to purchase rental properties through a Special Purpose Vehicle (SPV) limited company and for good reason:
- Tax efficiency: Corporation tax is often lower than higher-rate income tax
- Full mortgage interest relief: Unlike personal ownership, companies can deduct 100% of mortgage interest
- Profit reinvestment: Retain earnings within the company to fund future purchases
- Estate planning: Greater flexibility in passing on shares and ownership
- Separation of finances: Keeps your property investment distinct from personal finances
Note: Charleston is not authorised to provide tax advice. We always recommend speaking with a qualified accountant or tax adviser.
Who Should Consider a Limited Company BTL?
- First-time landlords setting up a buy-to-let SPV
- Experienced landlords expanding portfolios in a tax-efficient way
- Developers refinancing from bridging to long-term finance
- Individuals moving existing property into a company structure (via refinance)
Setting Up Your SPV the Right Way
If you haven’t yet set up your company, we’ll help you:
- Register the company with the correct SIC code
- Prepare your documents and business bank account
- Ensure lender-friendly ownership and structure
- Avoid common setup pitfalls that could delay your mortgage
Already have a company set up? We’ll make sure it’s ready for mortgage applications.
What Lenders Look For
Getting a limited company buy-to-let mortgage is different to a personal application. Here’s what lenders typically assess:
- SPV setup: Usually with SIC code 68209 (Letting and operating of own or leased real estate)
- Directors’ background: Creditworthiness, income, experience
- Ownership: Typically requires all directors to own 100% of the company
- Personal guarantees: Most lenders require PGs from all directors
- Rental income: Subject to stress testing and ICR thresholds
- Deposit: Minimum of 20–25%, sometimes higher for specialist cases
Limited Company vs Personal Name Quick Comparison
| Feature | Limited Company | Personal Name |
|---|---|---|
| Tax on Profits | Corporation tax | Personal income tax |
| Mortgage Interest Relief | Full relief | Restricted since 2020 |
| Profit Withdrawal | Dividends or salary | Fully taxed as income |
| Setup/Admin | More complex | Simpler |
| Long-Term Planning | More flexible | Less so |
Frequently Asked Questions
Q: Can I transfer an existing property into a limited company?
Yes, but this is treated as a sale, so stamp duty and potential CGT may apply. We’ll advise on financing, speak to a tax professional about liabilities.
Q: Do I need to be a homeowner or have a certain income?
Not necessarily, but it can strengthen your application. Each case is reviewed individually.
Q: Can I get a mortgage for a limited company if I’m a first-time landlord?
Yes, many lenders accept SPV applications from first-time landlords, with the right structure and guidance.
Q: What if I have multiple directors or shareholders?
Most lenders require full personal guarantees from all directors and prefer simple ownership structures.
