A limited company BTL mortgage is designed for landlords who purchase a property through a company rather than in their personal name. Whether you're expanding an existing portfolio or setting up your first property investment, understanding how these mortgages work can help you decide if this approach is right for you.
At The Cambridge, we support landlords with specialist limited company buy to let mortgages, offering clear guidance and a personalised approach throughout the application process.
What is a Limited Company BTL Mortgage?
A limited company buy-to-let mortgage (often called company BTL mortgages) is a mortgage taken out by a company rather than an individual, to purchase or remortgage a rental property. The property is owned by the company, and rental income is paid to the company rather than to you personally.
These mortgages are commonly used by landlords operating through:
• A property investment company
• A special purpose vehicle (SPV) set up solely for buy to let activity
While the borrower is the company, directors are usually required to provide personal guarantees, meaning they remain personally responsible if the mortgage is not repaid.
Why invest in a buy-to-let through a limited company?
There are several reasons why landlords choose to invest in buy-to-let property through a limited company.
For some, this route can offer tax efficiency, particularly for higher‑rate or additional‑rate taxpayers. Mortgage interest may be treated differently within a company structure, and profits are subject to Corporation Tax rather than Income Tax.
A limited company can also make it easier to:
• Retain profits within the business
• Reinvest rental income into additional properties
• Manage and grow a property portfolio in a structured way
Tax rules can be complex and vary depending on individual circumstances, so it's always advisable to seek professional tax advice before deciding if buying property through a limited company is right for you.
Who are Limited Company BTL mortgages suitable for?
A limited company BTL mortgage may be suitable for experienced landlords expanding an existing portfolio, new landlords planning to invest through a company from the outset, investors using an SPV for buy to let purposes, and landlords who want to separate personal and business finances.
While some lenders restrict these mortgages to experienced landlords only, first‑time landlords may still be able to apply in certain circumstances. Eligibility will depend on factors such as how the company is set up, affordability checks, and landlord's level of property experience.
Who are Limited Company BTL mortgages suitable for?
A limited company BTL mortgage may be suitable for experienced landlords expanding an existing portfolio, new landlords planning to invest through a company from the outset, investors using an SPV for buy to let purposes, and landlords who want to separate personal and business finances.
While some lenders restrict these mortgages to experienced landlords only, first‑time landlords may still be able to apply in certain circumstances. Eligibility will depend on factors such as how the company is set up, affordability checks, and landlord's level of property experience.
Our Limited Company Buy to Let Mortgage Options
At The Cambridge we take a considered, individual approach to lending.
Our company buy to let mortgage options are designed to support landlords who value straightforward criteria and a personal service. We offer a range of products, including fixed‑rate options, with clear terms to help you plan ahead with confidence.
You can explore our Limited Company Buy to Let Mortgages for more details on our available products.
At The Cambridge Building Society, our limited company BTL mortgages are available up to 80% loan‑to‑value, subject to criteria and affordability. All applications are assessed on a case‑by‑case basis, taking into account both the company and the individuals behind it.
Products are subject to availability and may be withdrawn without notice.
Special Purchase Vehicle (SPV) Buy to Let mortgages explained
An SPV buy to let mortgage is taken out by a limited company set up specifically to hold rental property. SPVs are commonly accepted by lenders, as they provide a clear and focused structure for property investment
An SPV typically:
• Has no trading history outside of property
• Uses SIC codes related to property letting
• Exists solely for buy to let investment
Many lenders, including The Cambridge, support SPV structures because they are simple and transparent. While an SPV is not always essential, it is a common and practical choice for landlords investing through a limited company.
Key Criteria for Limited Company Landlord Mortgages
When applying for a limited company BTL mortgage, a lender will usually consider a number of things, including company structure, directors and shareholding arrangements, and personal guarantees from directors. Rental income, affordability and property type will also be considered. Where applicable, landlord experience may also be considered.
Like personal BTL mortgages, affordability is generally assessed on rental income rather than personal salary, although personal financial circumstances may still be reviewed.
Criteria can vary depending on the lender and the complexity of the application
Key Criteria for Limited Company Landlord Mortgages
When applying for a limited company BTL mortgage, a lender will usually consider a number of things, including company structure, directors and shareholding arrangements, and personal guarantees from directors. Rental income, affordability and property type will also be considered. Where applicable, landlord experience may also be considered.
Like personal BTL mortgages, affordability is generally assessed on rental income rather than personal salary, although personal financial circumstances may still be reviewed.
Criteria can vary depending on the lender and the complexity of the application
Applying for a company Buy to Let mortgage at The Cambridge
Applying for a company buy to let mortgage is similar to a standard Buy to Let application, although lenders may require some additional information about your company and the property investment.
As part of the application process, you will usually be asked to provide:
• Company incorporation documents
• Details of directors and shareholders
• Property and rental information
• Evidence of personal identification and financial position
At The Cambridge, we guide you through each stage of the process and explain what is required, helping you move forward with confidence.
Speak to a Buy to Let Mortgage Expert
Choosing the right limited company buy to let mortgage is an important decision. Our team of mortgage specialists are on hand to explain your options, discuss eligibility, and answer your questions in clear, straightforward terms.
We are regulated by the Financial Conduct Authority (FCA) and take a responsible approach to lending, focusing on long‑term affordability and landlord support.
If you are considering a buy to let through a limited company, speaking to an expert early on can help you understand whether this route is right for you. Our mortgage advisers will help you understand your BTL mortgage options, the application process and criteria.
Frequently Asked Questions
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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