Mortgages for Limited Company Landlords

What a trading company is, why buy-to-let lenders are more cautious about them than SPVs, how SIC codes affect lender perception, deposit routes via intercompany loans, and which lenders do or don't accept trading companies.

Learn what SIC codes are, which ones are commonly used for buy-to-let property investment companies, and why lenders look closely at the company’s stated business activity.

A practical guide to how Stamp Duty Land Tax works when a limited company buys property for rental, including the 5% surcharge, current SDLT bands, and planning points.

A practical guide for landlords using an SPV or LTD company structure to buy-to-let, covering the key steps, documents and common pitfalls lenders expect to see.

A practical overview of how buy-to-let lenders assess applicants with defaults, what can improve your chances, and the key factors that influence approval.

Understand how moving an existing personal buy-to-let into a Limited Company or SPV typically works, why it’s often treated as a purchase rather than a remortgage, and the key mortgage, deposit, rental coverage and tax considerations.

A practical guide to how commercial buy-to-let mortgages work for limited companies, including property types, lending criteria, deposits and security, repayment options, and the key differences versus residential buy-to-let.

A practical guide to remortgaging a buy-to-let property held in a limited company or SPV, covering common reasons, lender expectations, costs to plan for and key documents.

A comprehensive guide to limited company (LTD/SPV) buy-to-let—what it is, how it works, why landlords are moving to company structures in 2026, how to set up an SPV that lenders will accept, how applications are assessed, and whether it's the right structure for your portfolio.

Archived 2018 article: why limited company buy-to-let lenders required personal guarantees, and the rare no-guarantee options at 60–65% LTV. Historical commentary, not current advice.