Limited Company Mortgages
Limited Company Mortgages
Buy-to-Let Solutions for Portfolio and SPV Landlords
Buying or refinancing property through a limited company can offer tax efficiencies and long-term flexibility for landlords and property investors. Whether you’re setting up your first Special Purpose Vehicle (SPV) or managing an established portfolio, a limited company buy-to-let mortgage could help maximise your returns.
At Alphakey Mortgages, we offer whole-of-market access to specialist lenders who understand limited company structures. We work with landlords across the UK to secure tailored finance solutions that meet both current and future investment goals.
Limited Company Mortgages FAQs
What is a limited company mortgage?
It’s a mortgage secured on a property owned by a company—usually an SPV (Special Purpose Vehicle) set up solely for buying and renting property.
Do I need to set up a company first?
Yes. Most lenders require the company to be registered with Companies House, often with specific SIC codes related to property letting or management. We can advise on this.
Can I get a limited company mortgage if I’m a first-time landlord?
Yes. While experience helps, some lenders are open to first-time landlords purchasing through a limited company—especially with strong supporting documents.
Are mortgage rates higher for limited companies?
Rates are often slightly higher than personal buy-to-let mortgages, but the potential tax advantages can make it more cost-effective overall. We’ll help compare your options.
Can I refinance existing personally owned properties into a limited company?
This is possible but involves a sale from yourself to the company, which may trigger stamp duty and capital gains tax. We can work with your accountant and solicitor to explore your best approach.
Why Choose a Limited Company Mortgage?
Potential Tax Benefits for Landlords
Limited companies can offset mortgage interest as a business expense—often making this route more tax-efficient than personal ownership.
Expand Your Property Portfolio
Financing through a company structure can make it easier to manage multiple properties, particularly for portfolio landlords or those planning long-term growth.
Access to Specialist Lenders
We work with lenders who specifically offer products for SPVs and trading companies—many with more flexible underwriting than high street banks.
Support for Landlords
Whether you’re incorporating your existing portfolio or buying your first property through a company, we’ll guide you through the process from setup to completion.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Specialist Lending
We offer flexible lending solutions for unique situations
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Life Insurance
Protect your family’s future, no matter what.
Insurance & Protection
Personalised cover for life, income, health, home, and more.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.
Commercial Mortgages are not regulated by the Financial Conduct Authority.