Cashback Remortgages · Buy-to-let
Limited Company Buy-to-Let
Some landlords hold buy-to-let property through a limited company. It changes how borrowing and tax work, but is not automatically better and needs specialist advice.
How company lending differs
Lenders often require a special-purpose vehicle (SPV) and personal guarantees from directors. The product range and rates differ from personal buy-to-let, and rental stress tests still apply.
Running a company has its own costs and responsibilities.
Tax needs advice
The tax treatment differs from personal ownership and depends on your circumstances and plans. Speak to a qualified tax adviser before deciding — this is general information, not tax advice.
Sources and further reading
General mortgage information, not a personal recommendation. Lender criteria and scheme rules can change. Ask an adviser about your circumstances and a solicitor or tax adviser about legal or tax questions. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA.
Discuss the next step for your mortgage
Understand your options before you make a decision.