HTG Mortgages As more landlords look for ways to grow their property portfolios and reduce tax liability, buy-to-let mortgages through a limited company have become increasingly popular. Whether you’re starting out or already managing a few properties, setting up a limited company could offer major advantages, but it’s not right for everyone. Limited company mortgages don’t need to be complicated. At HTG Mortgages, we work with over 120 lenders and specialise in helping landlords find the right fit — whether you’re new to the game or building your empire. Ready to explore your options? Let’s chat! Ready to take the first step? Get expert advice tailored to you. No obligations, no pressure. Fill out the form and let’s make it happen! A limited company buy-to-let mortgage is a mortgage taken out by a registered limited company — usually a Special Purpose Vehicle (SPV) — rather than in your personal name. These are typically used for rental property purchases. While the structure and process are a little different to personal mortgages, they open up some key benefits for certain landlords. Here are the main reasons landlords go down the limited company route: Rental profits in a limited company are taxed at the corporation tax rate (currently 25%), which is lower than higher-rate personal income tax bands. This can lead to big savings, especially if you’re a higher- or additional-rate taxpayer. Unlike personal landlords, limited companies can deduct full mortgage interest as a business expense — a huge win that helps improve profitability. Keeping everything under one company structure can simplify accounting, borrowing, and reinvestment as your portfolio grows. An SPV is a limited company created solely for buying and letting property. Most lenders prefer this clean structure, and you’ll usually register the company with one or both of these SIC codes: 68100 – Buying and selling of own real estate 68209 – Other letting and operating of own or leased real estate If your company is already trading in another sector (e.g. construction), some lenders may be hesitant or require more detail. To apply for a mortgage via a limited company, lenders will typically want to see: Company registration and SIC code Details of all directors and shareholders Personal guarantees from directors Business bank statements or accounts (if trading) Property details and projected rental income Good news: many lenders will assess affordability based on projected rental income, not your personal earnings — though directors’ financial health is still considered. Potential for lower tax on profits Full mortgage interest tax relief Easier to reinvest profits Clean structure for managing multiple properties Higher interest rates and fees Fewer lenders to choose from Personal guarantees still often required More admin and accounting required There’s no one-size-fits-all answer. If you’re a basic-rate taxpayer buying one or two properties, a personal buy-to-let mortgage might still work best. But if you plan to grow a portfolio or are a higher-rate taxpayer, the limited company route could save you thousands long-term. Before making the leap, it’s worth speaking to a broker (like us) and an accountant to make sure it fits your strategy. Mortgages for Limited Company
The Smart Way to Structure Your Portfolio
Let’s break it down in a clear, human way so you can decide if this route suits your investment goals.
Book a Free Consultation
Start your new financial journey with us
Frequently Asked Questions
Tax Efficiency
Mortgage Interest Relief
Easier Portfolio Growth
Feature
Limited Company
Personal Name
Interest Rates
Usually slightly higher
Typically lower
Deposit Requirement
Min. 25%
Min. 20–25%
Lender Options
Fewer, but growing
Wider range
Tax Treatment
Corporation tax on profits
Income tax on profits
Mortgage Interest Deductible
Yes
Limited
✅ Pros:
❌ Cons:
