Buying rental property through a limited company
More landlords are holding property in a company for tax efficiency. We'll find the SPV lenders whose criteria fit - and show you how the numbers compare with personal ownership.
Important: Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Is company ownership right for you?
Since mortgage interest tax relief was restricted for personally held rentals, buying through a limited company (usually an SPV) has become the default route for many higher-rate taxpaying landlords. The company pays corporation tax on profits, and mortgage interest is generally deductible in full.
But it isn't automatically the right answer - rates are a little higher, transfers of existing properties can trigger tax, and your long-term plans matter. We'll compare the lending options on both routes, explain the criteria clearly, and recommend you confirm the tax position with your accountant before deciding.
Limited company buy-to-let, made straightforward
SPV lending
Access to lenders who specialise in lending to special purpose vehicle companies, including brand-new SPVs.
Personal vs company comparison
We'll run both routes side by side so you can see the real difference before you commit.
Portfolio growth
Company structures that make it easier to keep investing, with lenders comfortable with growing portfolios.
Company remortgages
Release equity from company-held properties to fund the next purchase, timed to avoid reversion rates.
Straightforward criteria
Most lenders want the right SIC codes, at least 25% deposit, and directors as personal guarantors - we'll walk you through it.
Protecting the business
Relevant life cover and landlord insurance options that fit company ownership.
Explore limited company buy-to-let
Book a free consultation - tell us about your plans and we'll map out the company lending options.
Or visit our contact pageWhat our customers say
"Genuinely calm, professional advice. They saved us a real amount each month and the process was effortless."
"As a contractor I'd been turned down before. They knew exactly which lenders to approach and we completed in weeks."
"Silver Oak made our first mortgage feel completely manageable. Every step was explained clearly and we never felt rushed."