Limited Company mortgages

You can own and manage your buy to let property personally or under a limited company with The Mortgage Works.

Find a Limited Company mortgage using our mortgage rate finder.

Our Limited Company mortgages are available to first time, experienced and portfolio landlords. You can choose between 1, 2 or 5 year product terms, and you'll need a minimum deposit of 25%. If the property has an Energy Performance Certificate rating of C or above, you’ll need a minimum deposit of 20%.

We’ve pulled together some key facts for you to consider, including information about stamp duty, tax, real examples and more:

Key facts about purchasing a buy to let property as a limited company

Eligibility

To qualify for a Limited Company mortgage with us:

  • The company has to be set up with the sole purpose of buying, letting and selling property. These are known as Special Purpose Vehicles (SPVs).
  • The company must be registered in England and Wales or Scotland and match records with Companies House.
  • The maximum number of directors or shareholders is two and they must be the same people.
  • All shareholders must be directors and own 100% shareholding in the limited company between them. We’ll accept two directors where only one is a shareholder, providing they hold 100% shareholding.

For our full criteria, check our eligibility page.

Apply

If you have any questions about our Buy to Let mortgages, contact us.

If you’re ready to apply, you can book an appointment with one of the team who will support you throughout your application.

We're available 9am to 5pm, Monday to Friday.

Book an appointment

If you feel you need financial advice about limited company mortgages or professional tax advice, contact your broker, or find an Independent Financial Adviser (IFA) using Unbiased.co.uk