Cashback Remortgages · Landlords using a company
Limited company buy-to-let mortgages
Cashback Remortgages is an FCA-regulated, whole-of-market mortgage broker arranging limited company buy-to-let mortgages for clients across the UK, by phone, video or in person at our Uxbridge office (by appointment). Many landlords now buy through a special purpose vehicle (SPV) company. Lenders, rates and paperwork differ from personal buy-to-let.
Who it's for
Landlords buying through a new or existing SPV limited company, and landlords remortgaging company-owned rental property.
How we help
We find lenders that accept your company structure (SPV or trading company), explain personal guarantees, and check rental cover tests, which can be more favourable for company borrowers with some lenders.
We work alongside your accountant, who should advise on the tax implications of buying through a company.
The process and timeline
- Confirm the company structure with your accountant.
- Agreement in principle based on the directors and the property.
- Full application with company documents.
- Valuation, legal work and completion.
Documents you'll need
Requirements vary by lender and circumstances, but expect to provide:
- Company registration details and SIC code.
- Directors' and shareholders' ID and proof of address.
- Personal income evidence for guarantors.
- Deposit evidence and expected rent.
Fees
We don't charge a broker fee for mortgage advice. Lenders pay us a procuration fee when your mortgage completes. Lender product fees, valuation and legal costs, and any early repayment charge on an existing mortgage, may still apply. We set out every cost before you proceed.
Does cashback apply?
Cashback may be available on eligible cases once your mortgage completes. The amount depends on the type of mortgage and the loan size, and we confirm it and the conditions in writing before you proceed. Cashback is subject to eligibility and conditions.
Guides and calculators
Read more before you speak to us, or use a calculator to explore the numbers.
Your questions, answered
What is an SPV?
A special purpose vehicle is a limited company set up only to hold property. Many buy-to-let lenders prefer this structure.
Will I need to give a personal guarantee?
Usually yes. Most lenders ask directors to personally guarantee a company buy-to-let mortgage.
Is buying through a company better for tax?
It depends on your circumstances. We don't give tax advice, so speak to an accountant before deciding.
Can I move existing properties into a company?
It's possible, but it's usually treated as a sale and may trigger taxes. Take tax and legal advice first.
Do you charge a fee for this?
No. Our mortgage advice is free. Lenders pay us a procuration fee on completion. Lender, valuation and legal costs may still apply, and we explain them before you proceed.
Can you help wherever I live in the UK?
Yes. We advise clients in England, Scotland, Wales and Northern Ireland by phone and video. Office visits in Uxbridge are by appointment.
Sources and further reading
Published by Cashback Remortgages, a UK mortgage broker for all types of mortgages.
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.