Buying property through a limited company can offer long-term benefits—but the process is more involved than buying as an individual. From setting up the company correctly to meeting lender requirements, there are several steps you need to get right from the start.
That’s where we come in. At Artofmortgage, we work closely with property investors to secure limited company buy-to-let mortgages that suit their goals. With the right structure and a clear strategy, we help clients access competitive rates and avoid costly missteps.
Who Qualifies for a Limited Company Buy-to-Let Mortgage?
To apply for a mortgage through a company, the business must be registered with Companies House and have a listed office address. Most lenders will expect the company to be a Special Purpose Vehicle (SPV)—a company created specifically for property investment. You’ll need to register with an appropriate SIC (Standard Industrial Classification) code to reflect that purpose.
Lenders will also require the directors of the company to provide personal guarantees, which means they remain personally liable for repayments if the company is unable to meet them.
How Is This Different from Buying Personally?
When you buy property as a private landlord, ownership remains in your personal name. With a limited company mortgage, the property is owned by the business. This changes the legal structure of ownership, your tax obligations, and how lenders assess your application.
Let’s Talk Strategy
If you’re planning to build your property portfolio through a limited company, the right mortgage advice early on can save you time, money, and future hassle. Reach out today to discuss your options and see how we can help make your investment plans more efficient.
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Art of Mortgage is a trading style of Art of Mortgage co ltd. who is an Appointed Representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority 450731. The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
Think carefully before securing other debts against your property, your commercial property may be repossessed if you do not keep up repayments on your mortgage.