Buy-to-Let Mortgages for Limited Companies Made Simple
 Investing through a limited company can unlock valuable tax advantages and greater flexibility for landlords. Whether you’re starting with your first Special Purpose Vehicle (SPV) or expanding an established property portfolio, we provide tailored buy-to-let mortgage solutions designed to fit your investment goals. With access to specialist lenders and expert guidance, we make securing your mortgage straightforward, transparent, and stress-free.
We work with more than 120 mortgage lenders, including
Why Choose a Limited Company Buy-to-Let
Why Landlords Use Limited Companies for Buy-to-Let
 More landlords are choosing to purchase or transfer their properties into a limited company structure. The reasons are often strategic, focusing on long-term financial benefits and flexibility.
Key advantages include:
Tax efficiency
Mortgage interest relief is fully deductible for limited companies, which can reduce overall tax liabilities.
Clear separation of finances
Business income and personal income are kept apart, making accounting and future planning easier.
Portfolio growth
Many lenders offer broader options to limited companies, helping landlords expand their property portfolios with more flexibility.
Inheritance planning
Transferring property investments through a company can be more tax-efficient when planning for the future.
Professional credibility
Operating under a company structure can enhance a landlord’s profile with lenders and partners.
Who Can Apply?
Is a Limited Company Buy-to-Let Right for You?
 Limited company buy-to-let mortgages are not just for large-scale investors. They are designed for a range of clients looking to maximise their returns while protecting their personal assets. If you fall into one of the categories below, this option could be a strong fit for your property investment goals.
Experienced Landlords
 Those already managing buy-to-let properties who want to expand under a more tax-efficient structure.
New Investors:
Individuals looking to build their first portfolio while securing long-term financial advantages.
High-Rate Taxpayers:
Property investors seeking to reduce the impact of personal tax on rental income.
Portfolio Landlords:
Clients with multiple properties looking for simplified management and reinvestment opportunities.
Directors & Professionals:
Business owners and company directors who prefer aligning property investments with their corporate structures.
Your Estimated Borrowing Amount
Types of Limited Company Buy-to-Let Mortgages
Find the Right Mortgage for Your Property Portfolio
Expat mortgages are designed for clients living or earning abroad who want to purchase property in the UK.
Mortgage-Tek specialises in helping a wide range of expats secure mortgages that meet their needs, no matter how complex their situation.
Special Purpose Vehicles (SPVs)
Ideal for landlords who want to separate each property for liability and tax efficiency.
Trading Companies
 Designed for property investors holding multiple properties under a single corporate structure.
First-Time Company Landlords
Mortgages for those setting up a limited company for their first buy-to-let purchase.
Portfolio Expansion
Solutions for experienced landlords looking to grow or refinance their property portfolio within a company.
Why Choose Mortgage-Tek?
Your Expert Partner for Limited Company Buy-to-Let Mortgages
Securing a buy-to-let mortgage through a limited company can be complex, but Mortgage-Tek makes it simple. With years of experience and access to specialist lenders, we provide personalised solutions that align with your investment goals. From first-time company landlords to seasoned portfolio investors, we handle every detail to maximise your borrowing potential and protect your investments.
Why Work With Us:
Specialist Expertise
We understand limited company structures and know which lenders offer the best solutions for your portfolio.
Direct Lender Access
Many of the lenders we work with are not available to the general public.
Tailored Guidance
Every application is structured around your unique investment objectives and corporate setup.
Transparent Process
We provide clear, jargon-free advice at every step, ensuring you make informed decisions.
Ongoing Support
From initial application to refinancing or portfolio expansion, we remain your trusted partner.
Competitive Rates
Exclusive mortgage deals designed to maximise your borrowing power and save you money.
Contact Us
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Get in Touch For Our Expert Mortgage Advice
Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!
| Call Us | 020 3827 8558 |
| Email Us | info@mortgage-tek.co.uk |
| Address | 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB |
| Opening Hours | Mon–Fri (8:30am–7pm) Sat (9am–5pm) |
Frequently Asked Question
Do I need a company already set up?
Not always. We can advise on setting up a limited company before applying, ensuring your structure is mortgage-ready.
How are mortgages different for SPVs?
SPVs are treated as separate legal entities, often with stricter lending criteria but offering liability protection and tax efficiency.
What deposit is required?
Typically, deposits range from 20%–40% depending on the lender and the portfolio size, but specialist options may allow more flexible arrangements.
Can I transfer existing buy-to-let properties into a company?
Yes. Many landlords restructure existing portfolios into limited companies, but the process requires careful planning to manage tax and legal implications.
Do limited company buy-to-let mortgages cost more?
Rates can be slightly higher than personal buy-to-let mortgages, but the tax advantages and portfolio benefits often outweigh the difference.