Ultimate Guide to Limited Company Mortgages
Mortgages for limited companies purchasing property, including buy-to-let investments and commercial properties. These mortgages consider company structure, tax implications, and corporate lending criteria.
Typical deposit 30% - 35% · Typical timeline 6-12 weeks
Summary
Mortgages for limited company property purchases. Typical deposit: 30% - 35%. Typical rates: 4.5% - 6.5%. Usual timeline: 6-12 weeks. There are 2,169 limited company mortgage brokers listed on Mortgage118.
What is Limited Company?
Understanding the fundamentals and purpose of limited company financing
Mortgages for limited company property purchases.
Limited company (Ltd Co) mortgages allow landlords and investors to purchase property through a special purpose vehicle (SPV) limited company. This structure can offer tax advantages following changes to mortgage interest relief for individual landlords, though borrowers should seek independent tax advice.
Key Features
Essential characteristics that make limited company mortgages unique
Specialist lenders with corporate expertise
Tax-efficient property investment
Flexible lending criteria for companies
Professional support for corporate applications
Access to competitive rates for established companies
Eligibility Requirements
Key criteria you need to meet to qualify for limited company financing
In most cases you'll need to meet both property and borrower criteria — lenders assess the deal as a whole.
Property Requirements
- Suitable property for company use
- Good location and market value
- Property in good condition
- Appropriate insurance coverage
- Clear title and ownership
Borrower Requirements
- Established limited company
- Strong company financials and trading history
- Good credit history for company and directors
- Adequate security and personal guarantees
- Clear business plan and property strategy
Application Process
Step-by-step guide to securing your limited company mortgage
Timescales vary by lender and case complexity — the steps below are typical.
Initial Consultation
30-60 minDiscuss investment strategy and rental projections
Rental Assessment
1-2 daysEvaluate rental yield and coverage ratios
Full Application
2-3 daysSubmit financial documents and property details
Property Valuation
1-2 weeksSpecialist investment property valuation
Underwriting & Offer
2-4 weeksLender reviews application and issues formal offer
Completion
4-8 weeksLegal work completed and funds released
Current Limited Company Rates
Latest interest rates and pricing for limited company mortgages
Interest Rates
Typical range for limited company mortgages
Deposit Required
Minimum deposit for limited company financing
Processing Time
From application to completion
Indicative figures only — rates and fees vary by lender and your circumstances. A qualified adviser can give personalised quotes.
Benefits & Considerations
Weighing the advantages and important factors for limited company mortgages
Benefits
- Tax-efficient property investment
- Limited liability protection
- Professional corporate structure
- Access to competitive rates
- Flexible lending criteria for established companies
Important Considerations
- Higher interest rates than personal mortgages
- Complex documentation requirements
- Personal guarantees may be required
- Corporate tax implications
- Limited lender options for companies
Fees Guide
Understanding the costs and fees associated with limited company mortgages
Arrangement Fee
Lender product fee
Valuation Fee
Investment property survey
Legal Fees
Conveyancing and title work
Broker Fee
Specialist arrangement fee
Important Notice
Fees can vary significantly between lenders and depend on your specific circumstances. Advisers will provide you with a detailed breakdown of all costs before you proceed.
Useful Resources
Authoritative links to help with your limited company mortgage journey
Frequently Asked Questions
Common questions and answers about limited company mortgages
Work out the costs
Use our UK mortgage calculators to estimate stamp duty, monthly payments and buy-to-let yields before you apply.
Related Specialisations
Explore other mortgage types that might be relevant to your needs
Browse Limited Company Brokers by Location
These pages list active advisers in each area — use them to narrow down, then check each profile covers limited company lending.
Browse all UK regions →Content last reviewed: March 2026. Rates and criteria may have changed - always confirm with a qualified adviser.
