Mortgages for Limited Company BTL
Protect your property profits. Purchase and remortgage Buy-to-Let property through a Special Purpose Vehicle (SPV) to maximise your tax efficiency.
Corporate Property Finance
Operating your portfolio through a Limited Company requires specialist commercial lending. We handle the intricacies of SPV mortgages and complex corporate structures daily:
Why use an SPV?
Following the Section 24 tax changes, higher-rate taxpayers can no longer claim full
mortgage interest relief. A Special Purpose Vehicle (SPV) shields your portfolio, as
companies pay Corporation Tax instead of Income Tax, significantly improving your bottom
line.
Transferring Portfolios
Need to move privately owned properties into your newly formed SPV? We guide you through the
process, sourcing 'incorporation' finance that aligns seamlessly with your accountant's
advice on Stamp Duty and Capital Gains Tax.
Complex Lending Structures
We arrange finance for newly formed 'Day 1' SPVs, existing Trading Companies, or complex
corporate structures involving Holding Companies and subsidiary SPVs. No structure is too
intricate for our commercial desks.
Director's Guarantees & Stress Tests
Even when lending to an SPV, underwriters require Personal Guarantees (PGs) from the
Directors. However, ICR stress tests for Limited Companies are often much more lenient
(around 125%) compared to personal names, allowing you to borrow more against the asset.
Direct Commercial Access
We bypass generic high-street channels and deal directly with the underwriters at dedicated commercial lenders. This ensures your corporate applications are structured correctly, submitted securely, and approved fast.