🏢 Limited Company Buy-to-Let Mortgages

Looking to build or grow your property portfolio more tax-efficiently? A Limited Company Buy-to-Let mortgage could be the right move — and we’re here to make the process smooth and stress-free.

At Af & Associates, we help landlords and investors arrange buy-to-let finance through Special Purpose Vehicles (SPVs), with access to both mainstream and specialist lenders that understand the market.

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💡 What Is a Limited Company Buy-to-Let?

A Limited Company Buy-to-Let mortgage is for landlords who purchase or hold investment property in a registered limited company, rather than in their personal name. Most landlords use an SPV (Special Purpose Vehicle), typically registered under SIC code 68209.

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📈 Why Buy Through a Limited Company?

There are several potential benefits:

✅ More tax-efficient – You may pay Corporation Tax instead of Income Tax on profits
✅ Retain more rental income inside the company
✅ Mortgage interest relief is fully deductible (unlike personal buy-to-let)
✅ Easier to build a property portfolio within the company
✅ Keep personal and business finances separate

⚠️ Tax treatment varies, so speak to a tax adviser before setting up your SPV.

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🧩 When Might This Be Right for You?

• You’re a higher-rate taxpayer

• You want to build a property business

• You’re buying multiple properties or growing a portfolio

• You want to leave assets in the company for reinvestment

• You’ve already set up an SPV and want funding

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🏘️ What Can Be Financed?

We can help you finance a wide range of investment properties through your limited company:

• Single let properties

• HMOs and student lets

• Multi-unit blocks (MUFBs)

• Semi-commercial property

• Refurb-to-let or bridge-to-let projects

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📋 What You’ll Need to Apply

Lenders will usually ask for:

• Your limited company details (must be set up before applying)

• Director(s)’ ID and proof of address

• Projected rental income or tenancy agreement

• Deposit (typically 20–25%)

• Experience as a landlord (helpful but not always required)

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⚠️ Things to Keep in Mind

• Rates and fees for limited company buy-to-let may be slightly higher

• Not all high street lenders offer this — we work with specialist lenders

• Your company must be correctly structured (we’ll help you check this)

• Personal guarantees from directors are often required

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🤝 Why Choose Us?

• ✔️ We specialise in SPV and company buy-to-let finance

• ✔️ Access to specialist lenders not available on the high street

• ✔️ End-to-end support — from SPV setup to mortgage completion

• ✔️ Clear advice, no jargon, and fast turnaround

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📞 Ready to Start or Expand Your Portfolio?

We’ll help you get the structure, lender, and deal that’s right for you — so you can focus on growing your investments.

👉 Give us a call: 02085307170