Can a limited company get a buy-to-let mortgage?

Yes, and it has become a common way for landlords to hold investment property. A limited company buy-to-let mortgage lets a company, often a special purpose vehicle set up for the purpose, own and borrow against rental property rather than the individual holding it personally.

A few things to know:

• It is assessed on the rental income. Lenders focus on whether the property’s rent comfortably covers the mortgage, alongside the company and director details.
• Landlords use it for structuring reasons. Holding property through a company can change how income and gains are treated, which is why many portfolio landlords do it. The specifics are a matter for your accountant or tax adviser, not something we advise on.
• The company structure matters. Lenders generally prefer a clean, property-focused company, which is why SPVs are common.

We arrange limited company buy-to-let as part of our wider property finance, so if you are building or restructuring a portfolio, we can compare lenders on rate, fees and criteria. On the tax and ownership question of whether a company structure is right for you, take advice from your accountant first, then we will handle the funding.