SPV & Limited Company Buy-to-Let Mortgages
Corporation tax-efficient investment finance for UK Limited Companies, SPVs, HMOs, and professional portfolio landlords.
Why Invest via a Limited Company (SPV)?
Following the UK government's Section 24 tax changes, mortgage interest relief is heavily restricted for individual landlords. Operating through a UK registered Special Purpose Vehicle (SPV) Limited Company allows property investors to deduct 100% of mortgage interest as a business expense against Corporation Tax (19%–25%), rather than paying personal tax (up to 45%) on gross rental revenue. For an in-depth tax comparison, read our guide on Buy-to-Let vs Limited Company Mortgages: Which is Better?.
At Commercial Mortgage Dealer, we arrange buy-to-let financing exclusively for UK Limited Companies and corporate entities. Whether you are acquiring single lets, HMOs, or multi-unit blocks, our whole-of-market panel offers competitive rates, generous interest coverage ratios (ICR), and day-1 lending for newly formed SPVs. You can stress-test your rental coverage using our ICR Stress Test Calculator and Commercial Mortgage Calculator, or examine how an investor added 6 units in our £1.8M BTL portfolio expansion case study.
Corporate Buy-to-Let Mortgages We Arrange
SPV Limited Company BTL
Special Purpose Vehicles set up specifically for property investment (typically SIC codes 68100, 68209).
- • 100% mortgage interest tax deductible
- • Newly incorporated SPVs accepted
- • Directors personal guarantees accepted
- • Single units to full portfolios
Trading Company BTL
Mortgages secured for active trading UK Limited Companies purchasing residential property assets.
- • Retained profits leveraged for property
- • Inter-company loan structures
- • Holding & subsidiary company lending
- • Diversification of company capital
Multi-Unit Freehold Blocks (MUFBs)
Specialist finance for limited companies owning blocks containing multiple self-contained flats under one freehold title.
- • Purpose-built and converted blocks
- • Single freehold title financing
- • Multiple AST income streams
- • High rental yield optimisation
Houses in Multiple Occupation (HMOs)
Specialist limited company lending for licensed and unlicensed professional or student shared houses. Model commercial yield valuations with our interactive HMO Mortgage Calculator.
- • Standard & large Sui Generis HMOs
- • Commercial yield-based valuations
- • Experienced & first-time HMO companies
- • Higher rental yield performance
Buy-to-Let Mortgage Features
Maximum LTV
Up to 85% loan-to-value on certain products
Term Options
Flexible terms from 2 to 5 years and beyond
Rent Coverage
Rental income covers 125% of mortgage payments
Minimum Loan
Loans from £50,000 upwards
Completion Speed
Complete in 2-4 weeks with the right lender
Age Flexibility
Available to borrowers up to age 75+
We Handle Complex Buy-to-Let Cases
Whether assessing prime yields in our Commercial Property Investment 2026 Outlook or reviewing acquisition fundamentals in our First-Time Commercial Property Buyer's Guide, we structure deals tailored to corporate property landlords.
Property Types
- • Ex-local authority properties
- • Properties above commercial premises
- • Studio flats and bedsits
- • Properties requiring renovation
- • Listed buildings
- • Leasehold properties (short leases considered)
Corporate Borrowers We Assist
- • Newly formed SPV Limited Companies
- • Established trading companies diversifying into property
- • Professional portfolio landlords (10+ properties)
- • Multi-tiered holding & subsidiary structures
- • LLPs and offshore corporate entities
- • Joint venture corporate partnerships
Our Limited Company BTL Matching Process
1. Corporate Criteria Assessment
We capture your company structure, portfolio metrics, SIC codes, and target property details.
2. Database Matching & Stress Test
Our database evaluates your deal against 100+ commercial lenders to match ICR stress requirements and optimal gearing.
3. Direct Specialist Introduction
We introduce your limited company directly to the matched commercial lender and credit desk.
4. Terms Issued & Drawdown
Receive formal terms quickly and complete property purchases or portfolio refinances without friction.
Related Buy-to-Let & SPV Resources
BTL vs Limited Company
Comprehensive guide comparing personal ownership vs corporate SPVs under Section 24.
HMO Finance Guide
Licensing thresholds, article 4 directions, and commercial yield valuations for HMOs.
£1.8M Portfolio Expansion
Secured 6 limited company mortgages generating over £140,000 annual rental income.
ICR & BTL Calculator
Check your 125%–145% interest coverage ratio at stressed assessment rates.
Regulatory Notice: Buy-to-let mortgages arranged for UK registered Limited Companies, LLPs, and corporate SPVs are commercial, business-to-business transactions and are not regulated by the Financial Conduct Authority (FCA). We do not arrange consumer buy-to-let or regulated residential mortgages for private individuals.
Ready to Expand Your Corporate BTL Portfolio?
Submit your SPV or Limited Company requirements. We search our database to match you with active lenders offering the lowest margin and ICR thresholds.