Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Buying your buy to let through a limited company, usually an SPV (Special Purpose Vehicle), has become the default route for serious UK landlords since the Section 24 tax changes. At AB Mortgages we arrange limited company BTL mortgages every working day, across personal SPVs, holding companies and group structures. Whether you're new to it or scaling up, we'll guide you through every step.
Setting up the SPV with a SIC code that BTL lenders don't accept. Most lenders only fund SPVs using SIC 68100, 68201, 68209 or 68320.
Trying to get a BTL mortgage through an existing trading limited company. Some lenders allow it, but the lender pool shrinks significantly.
Choosing SPV or personal name without modelling the actual numbers against your real income and tax position. Costly mistake either way.
We tell you up front which SIC codes work and which lenders accept each one, before you register anything with Companies House.
Step-by-step guidance on company formation, director structure, shareholder agreements and timing relative to your mortgage application.
We work alongside your accountant to model both routes with real numbers, real income and real plans. The right answer is the one the maths supports.
Marginal rate, other income, accountant relationship. The SPV decision starts with what tax band you're actually in today.
Existing properties, planned purchases, hold period. The structure changes whether this is property one or property twenty.
New SPV, group set-up, incorporation route. We align the SPV structure with the lender criteria you'll qualify for.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Limited company BTL is where our senior team has spent careers. SPV, group structures, incorporation routes and portfolio refinancing are our default work, not a sideline.
Not always. Some lenders accept applications subject to SPV formation and will let you complete the company set-up alongside the mortgage process. We'll guide you on timing, SIC codes and director structure to align with the lender criteria you're using.
You can, but it's structured as a sale-and-purchase, meaning Stamp Duty (with the surcharge) and potentially Capital Gains Tax. Incorporation relief may apply if you have a true property business. Your accountant will confirm; we arrange the mortgages on incorporation around the tax position.
Almost always. Most limited company BTL lenders require directors and significant shareholders to give a personal guarantee covering some or all of the lending. The exact terms vary, and we'll show you what each lender expects before you commit.
Slightly, on average. The rate gap has narrowed considerably as the market has matured, typically 0.2% to 0.5% higher than equivalent personal-name products. For most higher-rate taxpayer clients, the tax efficiency more than offsets the small rate premium.
Yes. The lender pool is narrower than for experienced landlords, but several specialist lenders specifically support first-time landlord SPV applications. We'll match you to the lenders most likely to back a first-time SPV application.
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