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Limited Company Property Finance

Limited Company Property Finance

著者： Limited Company Property Finance
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Limited Company Property Finance The UK podcast on how landlords fund property inside a limited company. Hosted by Georgina, every episode explains how lenders price and underwrite a company or SPV buy-to-let mortgage, on the structure, the interest cover ratio and the personal guarantee, and walks through the finance behind buying, incorporating, remortgaging, HMOs, bridging and scaling a property company. Practical, current, and grounded in real market data. A company buy-to-let mortgage is not a personal mortgage. It is a loan to a special purpose vehicle, an SPV registered under SIC code 68100 or 68209, that exists only to hold rental property. The company borrows, the rent services the loan, and the directors give personal guarantees. That structure is the answer to Section 24, which removed full mortgage interest relief for higher-rate personal landlords, and it is why a record share of buy-to-let is now bought through a company. Every episode of Limited Company Property Finance translates that into plain English. This is the show for the people who own, build, buy, invest in or advise on UK rental property through a company: investors, portfolio landlords and the accountants and solicitors around them. We cover the full range of limited company property finance and SPV mortgages, from core company buy-to-let and remortgages, to transferring an existing portfolio into a company, HMO and multi-unit finance, SPV bridging and refurbishment, and portfolio and group facilities. We explain typical loan to value, the 125% interest cover test versus 145% personally, the small rate premium, and how to match each requirement to the right lender. We name the specialist SPV lenders, the likes of Paragon, Kent Reliance, Fleet Mortgages, Foundation Home Loans, Landbay and Precise, and we explain why the intermediary-only names, such as The Mortgage Works, Leeds and Coventry, matter: you cannot approach them directly, only through a broker with whole-of-market access across a panel of more than 100 lenders. We also explain how the Bank of England base rate feeds through to company borrowing. Every figure is grounded in current data. We draw on Hamptons, Companies House, Paragon, UK Finance and HMRC, so you get credible numbers rather than guesswork: the number of buy-to-let companies, the share of new purchases made through a company, and the lending picture. The aim is simple. Help you read your own company the way a lender reads it, and present it to the right lender on the right terms. Hosted by Georgina at Limited Company Property Finance, with written analysis by founder Matt Lenzie. New episodes land quarterly, with the occasional bulletin when the rate cycle or the tax picture shifts.Copyright Limited Company Property Finance 2026
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  • Limited Company Property Finance: 2026 Market Outlook | SPV Mortgages, Lenders and Funding Routes

    Limited Company Property Finance: 2026 Market Outlook | SPV Mortgages, Lenders and Funding Routes
    2026/06/25

    The limited company has become the default structure for UK landlords. After Section 24 removed full mortgage interest relief for higher-rate personal borrowers, a record share of buy-to-let is now bought through a company, where interest stays fully deductible against corporation tax. By the end of 2025 there were around 443,272 active buy-to-let companies on the Companies House register (Hamptons), a record 66,587 incorporated in 2025 alone, and Hamptons reckons around three quarters of new buy-to-let purchases are made through a company. In this launch episode of Limited Company Property Finance, host Georgina lays out the 2026 market, how a company buy-to-let mortgage works, who lends, and the funding routes.

    We explain the single most important idea: a company buy-to-let mortgage is a loan to a special purpose vehicle (SPV) registered under SIC code 68100 or 68209, not to you. The company borrows, the rent services the loan, and the directors give personal guarantees. The arithmetic is mostly in your favour: company lending is stressed at a 125% interest cover ratio against 145% for higher-rate personal borrowers, in exchange for a small rate premium, around 0.20 to 0.40% over personal name and narrowing.

    We then walk through the funding routes:
    - SPV and limited company buy-to-let mortgages, up to 75% LTV
    - Transferring an existing portfolio into a company, a taxed event
    - Limited company remortgage and capital raising
    - HMO and MUFB inside the company
    - SPV bridging and refurbishment finance
    - Portfolio and group finance

    We name the specialist SPV lenders active in this market and explain why a broker matters: the intermediary-only names cannot be approached directly.

    Across our network
    The same 2026 outlook is published across our cloud network with a different
    angle per platform:

    - Limited Company Property Finance: 2026 Market Outlook

    - SPV and Limited Company Buy to Let Mortgages 2026

    - Transferring Property to a Limited Company 2026

    - Limited Company Remortgage and Refinance 2026

    - Limited Company HMO and MUFB Mortgages 2026

    - SPV Bridging and Refurbishment Finance 2026

    - SPV Structure, Deposits and Personal Guarantees 2026

    - Limited Company Portfolio Landlord Finance 2026


    Sources
    Figures cited are drawn from Hamptons, Companies House, Paragon, UK Finance, BVA BDRC and HMRC / GOV.UK. All figures are third-party estimates and indicative market commentary.

    About
    Limited Company Property Finance is the practitioner podcast on funding UK rental property through a limited company or SPV. We help investors and portfolio landlords understand how lenders price and underwrite company buy-to-let, and how SPV mortgages, incorporation, remortgage, HMO, bridging and portfolio funding actually work.

    This episode is general market commentary, not financial advice, and not tax advice, and not an offer of any kind. We are not FCA authorised. Buy-to-let lending to a company is, in most cases, unregulated business lending. Incorporation, the stamp duty surcharge, capital gains tax and Section 24 outcomes depend on circumstances; speak to a qualified accountant. Where a deal needs regulated advice, it should go to a regulated firm.
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