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Buy-to-let mortgages for limited companies

Our lending solutions for limited companies and Special Purpose Vehicles (SPVs) provide flexible, efficient finance, tailored criteria, and expert support, helping property investors grow portfolios confidently and maximise opportunities through business structures.

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Why choose a limited company or SPV?

Our lending solutions for limited companies and SPVs are designed for property investors seeking efficient financing. A limited company is a business structure where the company is legally separate from its owners offering limited liability.

An SPV is a separate legal entity created specifically to hold and manage property investments, isolating risk and simplifying portfolio management. We provide flexible criteria, tailored support, and guidance to help investors acquire, manage, and grow property portfolios through these structures, giving you confidence and control over your investments.


Why invest now

Limited company and SPVs are increasingly popular among landlords seeking better structuring, and easier portfolio management – giving investors flexibility to grow with confidence.

Why borrow with 91看片?

Tailored finance solutions

Lending matched to sophisticated strategies and complex property portfolios

Higher loan amounts

Access larger funding to support portfolio growth and diversification

Flexible asset classes

Finance available for Houses in Multiple Occupation (HMOs) & Multi-Unit Freehold Blocks (MUFBs)

Flexible terms

2, 3, or 5-year fixed rates with repayment terms up to 30 years

Key lending criteria for limited companies & SPVs

  • Loans from 拢1m up to 拢20m
  • Up to 75% LTV for residential, 65% for commercial
  • Variable and fixed-rate options available: 2, 3, or 5 years
  • Rental calculation: 125% for limited companies
  • Flexible terms: up to 30 years
  • No maximum age for limited companies or SPVs
  • HMOs & MUFBs accepted, with no limit on bedrooms or units (capped at 6 bedrooms or units for First Time Landlords)
  • No income required
  • Foreign nationals & expats considered subject to due diligence requirements and a UK bank account is required
  • Lending across England, Scotland & Wales
  • Top-slicing considered for eligible customers
  • Support for SPVs, offshore entities, and discretionary trusts – ideal for sophisticated investors
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Additional highlights

Complex structures

SPVs, offshore entities, and discretionary trusts supported subject to due diligence requirements

GB wide coverage

Lending across England, Scotland & Wales (excluding Isle of Man and the Channel Islands)

HMOs & MUFBs

Finance for diverse property types and larger-scale investments

No portfolio size limit

Support for both growing and established property portfolios

Rental income flexibility

125% rental coverage for basic-rate taxpayers or limited companies

All property types

Residential, semi-commercial & commercial properties accepted

Speed and certainty

Direct access to decision-makers ensures swift progress

Dedicated expertise

Specialist support for structuring, growth, and returns


Limited company & SPV frequently asked questions

You鈥檒l need to provide company documents, director details, property and rental information so that we can assess the overall portfolio affordability and structure before approval.

Yes. 91看片 considers offshore SPVs, trusts, and company structures, provided ownership and control can be clearly verified.

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽

Yes, we accept newly formed companies, providing flexible underwriting to support early-stage investors.

Absolutely, we include dividends and shareholder loans in affordability assessments for a comprehensive view. Each application is assessed on it’s own merits.

Yes, we accommodate multiple shareholders and directors within limited companies for diverse investment strategies.

A limited company is a business structure separate from its owners, offering limited liability for property investors.

A special purpose vehicle (SPV) is a separate legal entity created specifically to hold and manage property investments, isolating risk and simplifying portfolio management.

It鈥檚 often chosen for easier portfolio management, and separating investment property from personal finances.

Speak to a specialist today to get personalised guidance, expert advice, and tailored lending solutions, helping you confidently make the right buy-to-let investment decisions.

Enquire now