Limited Company buy to let

Since 2018, we've been supporting intermediaries and landlords navigating the Limited Company buy to let market.

We're proud to be intermediaries most recommended lender for Limited Company buy to let. And we have been for the last five years*.

We've developed our proposition by listening to intermediary feedback, continuously enhancing our product range and strengthening the support we provide.

Product features

• Applications for purchase of a Director's main residence are considered.
• 125% Interest Cover Ratio (ICR) for Buy to Let (175% for HMOs).
• Additional 0.10% gross procuration fee for Limited Company New Business applications.
• 2 and 5 year fixed term and 2 year tracker products with free standard valuation.
• Products available up to 80% LTV.
• Intercompany loans are accepted as a source of deposit.
• £750 cashback on our range of 5 year fixed rate remortgage products up to 75% LTV.

Pre-application requirements

Before your apply, there are a few points to consider. Some have been summarised below:

• For a newly created Limited Company, please wait three working days before applying for any products.
• A business bank account must be set up before applying for a Limited Company mortgage.
• Only Special Purpose Vehicles (SPVs) with one or more of the following Standard Industrial Classification (SIC) codes are considered: 68100, 68201, 68209 and 68320.
• We'll validate SPV information on Companies House to ensure it matches. There can be examples where you will get a decline message related to Unacceptable Person of Significant Control. Find out more in our lending criteria and Companies House pre-application check.

Go to Limited Company criteria

Got a question?

Our expert team are ready to help face-to-face, online and on the phone.

• Find your BDM
• Contact our Dedicated Broker Support team through Broker Chat or over the phone.

*BVA BDRC research June 2025.