Limited Company Buy-to-Let Mortgages: Is an SPV Right for You?

If you’re a landlord looking to grow your property portfolio, you’ve probably heard about buying property through a Limited Company or Special Purpose Vehicle (SPV). But is it the right choice for you?

What Is an SPV?An SPV is a limited company set up specifically to own and manage property investments. Many landlords use this structure to benefit from different tax rules and protect personal assets.

Why Consider a Limited Company for Buy-to-Let?

• Tax Efficiency: Corporation Tax on profits can be lower than personal income tax for higher-rate taxpayers.

• Mortgage Interest Relief: Unlike personal landlords, companies can deduct full mortgage interest as a business expense.

• Portfolio Growth: It’s often easier to manage multiple properties and raise finance within a company structure.

• Asset Protection: Separates personal and business assets, which may protect your personal wealth.

What About Mortgages?Lenders treat limited company buy-to-let differently. You’ll need a company set up before applying, and specialist lenders often handle these deals. Deposits are usually 20–25%, and personal guarantees from directors are common.

Is It Right for You?If you’re a higher-rate taxpayer, planning to hold multiple properties, or want to reinvest profits, an SPV could be beneficial. But it’s important to get professional advice, including from tax experts.

We help landlords set up and finance their SPVs, guiding you through the paperwork and lender options.