More and more landlords are turning to limited companies to hold their buy-to-let properties—and for good reason. Whether you’re aiming to grow a portfolio, reduce tax liability, or create a more efficient structure, limited company BTL mortgages can offer major advantages.
At Mortgage Knight, we help first-time and professional landlords secure buy-to-let mortgages through Special Purpose Vehicles (SPVs). We work with lenders who specialise in this area—and make the process simple, even if it’s your first time using a company.
Owning rental property through a limited company (usually an SPV set up just for property investment) can offer:
We’ll work with your accountant to ensure the structure suits your financial goals.
An SPV (Special Purpose Vehicle) is a company set up solely to hold and manage property investments. Most lenders require your company’s SIC code (Standard Industrial Classification) to match specific property-related categories, such as:
If you need help setting up an SPV correctly—we’ll guide you or connect you with the right professionals.
We help:
| Feature | Typical Terms |
|---|---|
| Loan size | £50,000 – £5 million+ |
| Deposit required | 20–25% minimum |
| Repayment types | Interest-only or capital & interest |
| Accepted structures | SPVs, LLPs, trading companies (some lenders) |
| SIC codes required | 68100, 68209, 68320 |
| Rental stress test | Typically 125%–145% at 5.5%–6.5% stress rate |
| Ownership | Personal guarantees often required |
Status: Ben was buying his first buy-to-let with family support. His accountant recommended using a limited company for long-term planning.
Solution: We helped him set up the SPV, registered the correct SIC code, and secured a 75% LTV limited company mortgage with a specialist BTL lender.
Outcome: Ben completed within 6 weeks and now receives rental income via the company structure.
Status: Rani owned 6 properties personally but wanted to refinance into a limited company to reduce her tax burden.
Solution: We helped arrange limited company remortgages on all 6 properties, coordinating solicitor work and new company lending.
Outcome: Rani now holds her portfolio under one SPV and benefits from tax-deductible mortgage interest.
Status: Jack and Claire, experienced landlords, wanted to purchase two HMOs using a company structure.
Solution: We secured a multi-property application with a limited company BTL lender offering competitive interest-only terms.
Outcome: They completed both purchases within 8 weeks and now manage all new investments through the SPV.
A: Some lenders allow it, but most prefer SPVs for clarity and risk management. We’ll advise on the best route.
A: Not necessarily. Some lenders accept first-time landlords using an SPV, particularly with a strong deposit and income.
A: In most cases, yes. Directors typically provide a personal guarantee, even if the mortgage is in the company name.
A: Yes, but it involves a sale from you to your company, which may trigger Stamp Duty and legal fees. We’ll walk you through it.
A: Slightly, but the tax advantages can outweigh the cost for many landlords—especially higher-rate taxpayers.
