Limited Company mortgages

You can own and manage your buy to let property personally or under a limited company with The Mortgage Works.

Find a Limited Company mortgage using our mortgage rate finder.

Our Limited Company mortgages are available to first time, experienced and portfolio landlords. You can choose between 1, 2 or 5 year product terms, and you'll need a minimum deposit of 25%. If the property has an Energy Performance Certificate rating of C or above, you’ll need a minimum deposit of 20%.

Eligibility

To qualify for a Limited Company mortgage with us

  • The company has to be set up with the sole purpose of buying, letting and selling property. These are known as Special Purpose Vehicles (SPVs).
  • The company must be registered in England and Wales or Scotland and match records with Companies House.

For our full criteria, including company structure, check our eligibility page.

Apply

If you’re ready to apply, you can book an appointment with one of the team who will support you throughout your application.

We're available 9am to 5pm, Monday to Friday.

Book an appointment

If you feel you need financial advice about limited company mortgages or professional tax advice, speak to your intermediary or broker.

Key considerations

When deciding whether a Limited Company structure is right for you, it's recommended you consult with a qualified tax and legal professional before proceeding. Below are some of the factors to consider:

  • Mortgage rates.
  • Potential tax costs on transferring land and buildings into a company.
  • Additional costs and administration in setting up and running a company.
  • Company directors have legal responsibilities and personal assets may be at risk if the company is mismanaged or statutory duties are breached.
  • Corporation tax on company profits.
  • Your personal tax position on extracting money from the company.

Important:

The key considerations are for information purposes only and should not be taken as tax or legal advice.