Buy-to-let mortgage for limited companies

For up to three properties

If you're looking to expand your property portfolio up to three properties, a buy-to-let mortgage for limited companies could be the right solution.

What is a buy-to-let mortgage for limited companies?

A buy-to-let mortgage for limited companies is a way to take out a mortgage on properties through a limited company, rather than in your own name. These mortgages are designed for the purchase and remortgage of residential properties that are leased or let already, or will be ready to let within one month of completion.

Key features and benefits

Every project is unique, so our buy-to-let mortgages offer flexible terms that work for your business.

Borrow up to £1 million for up to three properties

Loan to value up to 70% for repayment and 65% for interest-only

Mortgage terms from 1 to 25 years with interest-only available up to 15 years

Payments designed to suit you – fixed or variable rates available, with fixed available for up to 10 years

We will consider personal (non-rental) income in our credit assessment

Dedicated support from our Real Estate team – experts in lending against property to limited companies

All loans are subject to application and status.

Is this right for you?

Eligible businesses

To be eligible for this buy-to-let mortgage

The majority shareholder must have a minimum personal income of £25,000 per year

You need to be looking to expand or remortgage your property portfolio to a maximum of three residential lettings

You need to be a limited company or limited liability partnership

Terms and fees

Fixed interest rates available for up to 10 years

Variable rates based on Bank of England base rate

An early repayment charge may apply if you repay all or part of your balance before the expiry of the agreed term

Lending fees and associated borrowing costs apply and can be added to the mortgage balance

For fixed-rate mortgages, if you decide to cancel the fixed interest rate, you may have to pay a breakage cost in addition to other fees, such as early repayment charges

Each mortgage application is considered on its own merits by our own dedicated borrowing team

Any property used as security, which could include your home, may be repossessed if you don’t keep up repayments on your mortgage.

Other funding options

Compare our business borrowing with borrowing offered by other lenders⁴. You can find out more about the government’s Bank Referral Scheme [PDF, 1.4MB], including eligibility information.