Limited Company Mortgages
Limited company mortgages are designed for landlords and investors who choose to buy, refinance, or hold property within a limited company or Special Purpose Vehicle (SPV). This structure is increasingly popular for tax efficiency, portfolio growth, and long-term planning. Whether you are starting your first SPV or expanding a large portfolio, a limited company mortgage offers flexibility and strategic advantages.
A limited company mortgage is a Buy to Let or commercial mortgage taken out in the name of a limited company rather than an individual. Many investors use SPVs set up specifically for property investment, as lenders can assess the company structure more easily.
Limited company lending often offers enhanced flexibility, particularly for portfolio landlords, higher-rate taxpayers, and investors working with multiple properties.
Why Choose a Limited Company Structure?
A limited company (or SPV) can offer several benefits
Potential tax efficiencies
Mortgage interest treated as an allowable business expense
Easier portfolio growth compared to personal ownership
More flexible underwriting from specialist lenders
Simplified ownership structure for multiple partners or directors
Clear separation between personal assets and property investments
It is important to seek tax advice when deciding if an SPV is right for your circumstances.
When to Consider a Limited Company Mortgage
Limited company mortgages can support
Purchasing Buy to Let properties through an SPV
Refinancing existing personally owned properties into a company structure
Expanding or restructuring a portfolio
Acquiring HMOs or multi-unit blocks
Purchasing higher-yielding or more complex properties
Long-term investment planning
Get Expert Support
Whether you are setting up your first property company or expanding a large portfolio, the right limited company mortgage can significantly improve your long-term strategy. Our team at Connect Property Finance can help you structure your application, understand lender requirements, and secure the most suitable funding.
Contact our experts today to explore your limited company mortgage options and build a plan that supports your investment goals.
What next?
If you are looking for a mortgage solution that suits your needs and budget, we are here to help. Please visit our contact us page and fill out a simple form with your details and query.
We will get back to you as soon as possible with the best options for you. Thank you for choosing us as your mortgage partner.