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Compare limited company buy to let mortgages

Compare limited company buy to let mortgages and see if you could get a rental property under a limited company.

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59 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Molo 5 year fixed
Maximum LTV
65%
Initial rate
3.1% fixed for 5 years
Subsequent rate (SVR)
4.41% variable
Fees
£2,073 based on a £200k loan
Other fees may apply.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5% of loan amount redeemed to be paid within 1 year

- then 4% of loan amount redeemed to be paid for next 1 year

- then 3% of loan amount redeemed to be paid for next 1 year

- then 2% of loan amount redeemed to be paid for next 1 year

- then 1% of loan amount redeemed to be paid for next 1 year 5 years

Eligibility
Available Direct
Available SPV LTD company
Permanent UK Resident
Molo 5 year fixed
Maximum LTV
65%
Initial rate
3.1% fixed for 5 years
Subsequent rate (SVR)
4.41% variable
Fees
£2,123 based on a £200k loan
Other fees may apply.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5% of loan amount redeemed to be paid within 1 year

- then 4% of loan amount redeemed to be paid for next 1 year

- then 3% of loan amount redeemed to be paid for next 1 year

- then 2% of loan amount redeemed to be paid for next 1 year

- then 1% of loan amount redeemed to be paid for next 1 year 5 years

Eligibility
Available Direct
Available SPV LTD company
Permanent UK Resident
Molo 5 year fixed
Maximum LTV
75%
Initial rate
3.39% fixed for 5 years
Subsequent rate (SVR)
4.41% variable
Fees
£2,563 based on a £200k loan
Other fees may apply.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5% of loan amount redeemed to be paid within 1 year

- then 4% of loan amount redeemed to be paid for next 1 year

- then 3% of loan amount redeemed to be paid for next 1 year

- then 2% of loan amount redeemed to be paid for next 1 year

- then 1% of loan amount redeemed to be paid for next 1 year 5 years

Eligibility
Available Direct
Available SPV LTD company
Permanent UK Resident
Molo 5 year fixed
Maximum LTV
75%
Initial rate
3.39% fixed for 5 years
Subsequent rate (SVR)
4.41% variable
Fees
£2,623 based on a £200k loan
Other fees may apply.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5% of loan amount redeemed to be paid within 1 year

- then 4% of loan amount redeemed to be paid for next 1 year

- then 3% of loan amount redeemed to be paid for next 1 year

- then 2% of loan amount redeemed to be paid for next 1 year

- then 1% of loan amount redeemed to be paid for next 1 year 5 years

Eligibility
Available Direct
Available SPV LTD company
Permanent UK Resident
Molo 5 year fixed
Maximum LTV
80%
Initial rate
4.25% fixed for 5 years
Subsequent rate (SVR)
4.41% variable
Fees
£2,073 based on a £200k loan
Other fees may apply.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5% of loan amount redeemed to be paid within 1 year

- then 4% of loan amount redeemed to be paid for next 1 year

- then 3% of loan amount redeemed to be paid for next 1 year

- then 2% of loan amount redeemed to be paid for next 1 year

- then 1% of loan amount redeemed to be paid for next 1 year 5 years

Eligibility
Available Direct
Available SPV LTD company
Permanent UK Resident
The Mortgage Works 2 year fixed
Maximum LTV
75%
Initial rate
2.59% fixed for 25 months
Subsequent rate (SVR)
5.24% variable
Fees
£2,105 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.5% of loan amount redeemed to be paid until 30-Nov-2022

- then 1% of loan amount redeemed to be paid until 30-Nov-2023 30-Nov-2023

Eligibility
Permanent UK Resident
The Mortgage Works 2 year fixed
Maximum LTV
75%
Initial rate
2.69% fixed for 25 months
Subsequent rate (SVR)
5.24% variable
Fees
£1,105 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.5% of loan amount redeemed to be paid until 30-Nov-2022

- then 1% of loan amount redeemed to be paid until 30-Nov-2023 30-Nov-2023

Eligibility
Permanent UK Resident
Precise Mortgages 2 year fixed
Maximum LTV
75%
Initial rate
2.79% fixed for 2 years
Subsequent rate (SVR)
5.5% variable
Fees
£3,139 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 4% of loan amount redeemed to be paid within 1 year

- then 3% of loan amount redeemed to be paid for next 1 year 2 years

Eligibility
Permanent UK Resident
Fleet Mortgages 2 year fixed
Maximum LTV
75%
Initial rate
2.89% fixed for 26 months
Subsequent rate (SVR)
5.1% variable
Fees
£3,335 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3% of loan amount redeemed to be paid until 31-Dec-2022

- then 2% of loan amount redeemed to be paid until 31-Dec-2023 31-Dec-2023

Eligibility
Available SPV LTD company
Permanent UK Resident
Keystone Property Finance 2 year fixed
Maximum LTV
65%
Initial rate
2.89% fixed for 2 years
Subsequent rate (SVR)
5.09% variable
Fees
£4,315 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3% of loan amount redeemed to be paid within 1 year

- then 2% of loan amount redeemed to be paid for next 1 year 2 years

Eligibility
Available SPV LTD company
Permanent UK Resident
Precise Mortgages 2 year fixed remortgage
Maximum LTV
75%
Initial rate
2.89% fixed for 2 years
Subsequent rate (SVR)
5.5% variable
Fees
£3,139 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 4% of loan amount redeemed to be paid within 1 year

- then 3% of loan amount redeemed to be paid for next 1 year 2 years

Eligibility
Available HMO
Available multi unit blocks
Permanent UK Resident
Keystone Property Finance 2 year fixed
Maximum LTV
75%
Initial rate
2.94% fixed for 2 years
Subsequent rate (SVR)
5.09% variable
Fees
£4,315 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3% of loan amount redeemed to be paid within 1 year

- then 2% of loan amount redeemed to be paid for next 1 year 2 years

Eligibility
Available SPV LTD company
Permanent UK Resident
Fleet Mortgages 5 year fixed
Maximum LTV
65%
Initial rate
2.99% fixed for 62 months
Subsequent rate (SVR)
5.1% variable
Fees
£3,835 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5% of loan amount redeemed to be paid until 31-Dec-2022

- then 4% of loan amount redeemed to be paid until 31-Dec-2023

- then 3% of loan amount redeemed to be paid until 31-Dec-2024

- then 2% of loan amount redeemed to be paid until 31-Dec-2025

- then 1% of loan amount redeemed to be paid until 31-Dec-2026 31-Dec-2026

Eligibility
Available SPV LTD company
Permanent UK Resident
Foundation Home Loans 2 year fixed
Maximum LTV
75%
Initial rate
2.99% fixed for 2 years
Subsequent rate (SVR)
5.09% variable
Fees
£2,345 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3% of loan amount redeemed to be paid within 1 year

- then 2% of loan amount redeemed to be paid for next 1 year 2 years

Eligibility
Permanent UK Resident
Kent Reliance 2 year fixed
Maximum LTV
75%
Initial rate
2.99% fixed for 2 years
Subsequent rate (SVR)
6.18% variable
Fees
£5,225 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 4% of loan amount redeemed to be paid within 1 year

- then 3% of loan amount redeemed to be paid for next 1 year 2 years

Eligibility
Available SPV LTD company
Permanent UK Resident
Keystone Property Finance 5 year fixed
Maximum LTV
65%
Initial rate
2.99% fixed for 5 years
Subsequent rate (SVR)
5.09% variable
Fees
£4,315 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5% of loan amount redeemed to be paid within 1 year

- then 4% of loan amount redeemed to be paid for next 1 year

- then 3% of loan amount redeemed to be paid for next 1 year

- then 2% of loan amount redeemed to be paid for next 2 years 5 years

Eligibility
Available SPV LTD company
Permanent UK Resident
Keystone Property Finance 2 year fixed
Maximum LTV
75%
Initial rate
3.04% fixed for 2 years
Subsequent rate (SVR)
5.09% variable
Fees
£4,315 based on a £200k loan
Other fees may apply. Only available through a broker.
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3% of loan amount redeemed to be paid within 1 year

- then 2% of loan amount redeemed to be paid for next 1 year 2 years

Eligibility
Available SPV LTD company
Permanent UK Resident

What is a buy to let mortgage for a limited company?

If you're interested in buying a property through a limited company, you'll need a limited company buy to let mortgage.

As a limited company that wants to invest in a property you will not be able to take out a standard residential mortgage. Instead, you'll need to look at special buy to let mortgages for limited companies.

If you are an individual who wishes to invest in a buy to let (BTL) property, you could consider setting up a limited company or special purpose vehicle (SPV) to buy it, as this can be more tax efficient than buying in your own name.

Buy-to-let and limited companies

Around a quarter of BTL mortgages products are limited-company-BTL mortgages. The remaining BTL mortgages can only be used for investing in property in your own name.

If you're thinking of buying this type of mortgage product, our limited company buy to let mortgages comparison above will be helpful to you.

How does a buy to let mortgage for a limited company work?

With this type of mortgage, you buy a property through your business. Instead of owning the property yourself, your company will own it.

What is a Special Purpose Vehicle (SPV)

You can set up a limited company especially with this in mind, which is known as a special purpose vehicle (SPV). An SPV is essentially a limited company with restricted trading.

Many landlords set up an SPV purely as a tax-efficient way to buy and hold investment properties. This is because of the way income from your property is taxed.

Put simply, if you take out a loan in your personal name and put the cash in a high-interest savings account, you couldn’t offset the interest you pay on the loan against the interest you earn on your savings to lower your taxable income.

The same is true of mortgages - money made from rent can’t be used to lower the income you get from owning a home to reduce your tax bill.

But companies only pay tax on profits. That means mortgage payments can be deducted along with other expenses from any revenue received, including rent payments, meaning that the business only pays tax on profits (rent minus mortgage payments) rather than overall income (rent alone).

You can then get a limited company buy to let mortgage for the properties you buy.

After setting up a buy to let ltd company, you pay in money, which is used as a deposit on properties you buy. The rest of the purchase price is covered by a limited company buy to let mortgage.

Tax and buying a property through a limited company

As mentioned, there are tax advantages to buying properties through limited companies (or SPVs) as opposed to buying in your own name.

Limited companies benefit from the lower rate of corporation tax, as opposed to income tax charged on earnings generated from rental income. This tax saving makes taking out a buy to let mortgage through a limited company very appealing.

However, if you're trying to avoid Stamp Duty, limited companies are not the answer as you still have to pay Stamp Duty for limited company property purchases.

If you invest in a buy to let property in your own name, you will also have to pay:

  • Capital gains tax if you make a profit when you sell the property

  • Stamp duty land tax

  • Tax on your rental income

Work out if buying a buy to let property through a limited company works out cheaper for you

How to choose the right commercial buy to let mortgage for a limited company

If you're looking for a limited company buy to let mortgage, there are a few things to think about.

First, you'll need to decide what kind of mortgage you want. There are lots of different limited company buy to let mortgage criteria to consider, including:

  • Fixed rate, tracker or variable rate deals. Deciding the type of interest rate you want affects how much you pay and whether you are protected from future interest rate rises.

  • Mortgage term. A longer term means your monthly payments are lower, but a shorter term can save you money in the long term.

  • Interest only or repayment mortgage. Interest only deals cost less per month. But you'll need to save up separately to pay off your mortgage, or sell your property when the mortgage ends. Here's how to decide.

It's a good idea to consider these options before you start comparing limited company buy to let mortgage rates.

How to check buy to let mortgage rates for limited companies

If you're after the best buy to let mortgage rates for limited companies, you should be aware of the kind of rates you can expect to see. The rates are likely to be higher than those offered to an individual landlord. It is important to do your research and compare the best buy to let mortgages for limited companies.

Limited company buy to let mortgages comparison

You can find a selection of buy to let mortgages for limited companies in the comparison table at the top of this page. Scan through the deals to see which might work for you. Compare interest rates and don't forget to factor in any arrangement fees and other charges.

Click 'see deal' to find out more about the mortgage products. You can arrange your results in your preferred order by clicking 'sort' at the top. And you can tailor your view by clicking 'refine results'.

We'll help you find the best ltd company BTL mortgage for you.

Limited company buy to let FAQs

Yes, you can apply online directly through a lender or through a broker.

Yes, you need a BTL mortgage from a lender that accepts property investment through limited companies, e.g. the deals in this comparison.

Yes, and many deals can be taken out as interest only or repayment mortgages. Here is how both types of mortgage work.

Some mortgages can last until you are 85, but some lenders have a stricter age limit. Here is how older borrowers can get a mortgage.

Yes, and you usually need a bigger deposit for buy to let mortgages than for residential mortgages.

About our mortgage comparison

We include mortgages from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.

Last updated: 23 October, 2021

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