Limited Company Buy-to-Let Guides
Personal guarantees are (mostly) compulsory.
What a trading company is, why buy-to-let lenders are more cautious about them than SPVs, how SIC codes affect lender perception, deposit routes via intercompany loans, and which lenders do or don't accept trading companies.
Learn what SIC codes are, which ones are commonly used for buy-to-let property investment companies, and why lenders look closely at the company’s stated business activity.
A practical guide to how Stamp Duty Land Tax works when a limited company buys property for rental, including the 5% surcharge, current SDLT bands, and planning points.
A practical guide for landlords using an SPV or LTD company structure to buy-to-let, covering the key steps, documents and common pitfalls lenders expect to see.
A practical overview of how buy-to-let lenders assess applicants with defaults, what can improve your chances, and the key factors that influence approval.
Understand how moving an existing personal buy-to-let into a Limited Company or SPV typically works, why it’s often treated as a purchase rather than a remortgage, and the key mortgage, deposit, rental coverage and tax considerations.
A practical guide to how commercial buy-to-let mortgages work for limited companies, including property types, lending criteria, deposits and security, repayment options, and the key differences versus residential buy-to-let.
A practical guide to remortgaging a buy-to-let property held in a limited company or SPV, covering common reasons, lender expectations, costs to plan for and key documents.
A comprehensive guide to limited company (LTD/SPV) buy-to-let—what it is, how it works, why landlords are moving to company structures in 2026, how to set up an SPV that lenders will accept, how applications are assessed, and whether it's the right structure for your portfolio.
Specialist guides for landlords buying or refinancing through a limited company or SPV: how lenders assess company applications, director income and trading history, setting up the right company structure, and the tax and stamp duty considerations — including remortgaging a personal buy-to-let into an SPV.
The most recent limited company guides are shown above. Purchase and remortgage guides are organised into the collections above.
How lenders assess company applications for a purchase, director income and trading history, setting up the right company structure, and the stamp duty considerations.
How lenders reassess company applications and rental cover, moving a personal buy-to-let into an SPV, releasing equity for further purchases, and director income considerations.
Get in touch
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
- Phone number
- 01133 205 902
- hello@cyborg.finance
- Postal address
-
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.