More landlords than ever are buying property through limited companies – often called Special Purpose Vehicles (SPVs) – to benefit from more favourable tax treatment and improved long-term profitability.
As specialist brokers for Limited Company Buy-to-Let Mortgages, we guide you through SPV setup, lender requirements, and the finance process so you can grow your portfolio tax-efficiently.
Convenient options for you.
Having credit issues shouldn’t stop you from buying or remortgaging. We work with lenders offering adverse credit mortgages for self-employed clients, including those with historic CCJs, defaults, or missed payments. We also assist discharged bankrupts or those with past IVAs, as well as clients with low to moderate credit scores.
As a limited company director, your business may be thriving—but your official salary and dividends might not show your full earnings. We work with lenders who consider retained profits with your salary, accept one or two years of accounts, offer flexibility if you’ve taken lower income for tax purposes, and understand how director finances are structured.
If you’re a contractor, many lenders assess income based on your day rate rather than a standard salary—often enabling larger loan amounts. We support IT contractors, construction workers, creative professionals, and more. PAYE umbrella contractors, limited company contractors using gross contract value, and contractor mortgages with bad credit—even with defaults—are all considered.
Since changes to mortgage interest tax relief, many higher-rate taxpayers have found personal ownership less profitable. SPV ownership can:
Check your eligibility and secure a tax-efficient deal to grow your property portfolio.
Key questions answered about securing tax-efficient SPV mortgage solutions.
Yes, but this usually triggers stamp duty and capital gains tax – we’ll explain the implications.
Yes – professional tax advice is highly recommended before setting up your company.
SPV mortgages are accessible to a wider range of investors than you might think.
In reality, specialist lenders are flexible and you may still qualify if you have:
You may still qualify if you have:
We’ll match you with the right lender and structure your application for the best chance of approval.
Expert SPV mortgage guidance to boost tax efficiency, secure competitive rates, and grow your property portfolio with confidence.
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Talk to an SPV mortgage expert before you buy or restructure your portfolio.