Limited company buy-to-let mortgages
Buying or refinancing rental property through a limited company.
More landlords now hold property through a limited company, often a special purpose vehicle (SPV) set up only to own property. Lenders assess these applications differently from personal-name buy-to-let, and usually look at the directors and shareholders as well as the company.
We arrange mortgages for limited company landlords across Scotland, whether you are setting up a company for your first purchase or moving an existing portfolio across. We focus on the mortgage; for the tax and structure, we recommend you take advice from an accountant first.
How we help
- New and existing companies
- We work with lenders who consider newly formed companies as well as established ones.
- Directors and shareholders
- Lenders usually ask for personal guarantees and details of each director. We explain what is involved.
- Moving property into a company
- We can explain how lenders treat this. The tax implications need an accountant's advice.
Common questions
Can a limited company get a buy-to-let mortgage?
Yes. Many lenders offer buy-to-let mortgages to limited companies, particularly those set up only to hold property. Criteria differ between lenders.
Is it better to buy in my own name or through a company?
It depends on your circumstances, and the answer is mainly a tax question. We recommend speaking to an accountant, and we can explain how lenders treat each route.
What happens when you get in touch
Book an appointment
We look at your options
Our recommendation
Application
Offer and completion
We stay in touch
Related
- Portfolio landlordsGrowing, refinancing or reorganising a portfolio of rental properties.
- Buy-to-let remortgageComing to the end of a fixed or initial rate, or releasing equity.
- Commercial mortgagesFinance for commercial and semi-commercial property.
Request a call back
Talk to a specialist
Book an appointment at a time that suits you, call the office, or ask us to call you back. We are here to help.