Match with UK brokers who work the specialist SPV / Ltd-company mortgage panel every day. BTL via SPV, director residential, holiday let, HMO, remortgage — including the 40+ specialist lenders most landlords never see direct.
The guides below cover the practical mechanics of SPV BTL, director residential, holiday let and HMO mortgages — written for UK landlords, not for SEO. Each one cites the lenders, criteria, rates and HMRC sources.
How SPV BTL mortgages actually work — lender criteria, rates, deposits, SDLT, pitfalls.
→ TaxThe UK tax rule that drove every landlord into limited companies. With a worked example.
→ RatesIndicative SPV BTL rates by LTV and fix length, plus arrangement fee true-cost analysis.
→ CompareSide-by-side comparison: tax, rates, SDLT, when each route wins. Worked example.
→ HMOSPV HMO lender panel, licensing thresholds, bricks-and-mortar vs investment valuation.
→ StarterStep-by-step: setting up the SPV, finding the mortgage, sourcing the deposit, year-1 compliance.
→ RemoWhen to remortgage, capital raising on revaluation, ERC traps, common decline reasons.
→ LendersFull panel: Paragon, Aldermore, Landbay, Foundation, Kent Reliance — criteria comparison.
→ BTLOverview of Ltd-company BTL — when it's right, when personal-name wins.
→ ResidentialUsing Ltd-company salary + dividends to qualify for your personal residential mortgage.
→ FHLFHL mortgages via SPV — lenders, rates, the FHL tax-regime tightening.
→Free, no obligation. Broker fees are paid by the lender on completion — there's no upfront fee to you.
If your question isn't here, email info@limitedcompanymortgage.co.uk.
UK limited company (SPV) BTL mortgage rates typically run 0.3-0.8% above equivalent personal-name BTL rates from the same lender. In May 2026, indicative SPV BTL rates at 75% LTV range from 4.79% (sharpest, 5-year fix, clean case) to ~6.1% on the upper end. Broker fees on Limited Company Mortgage matches are paid by the lender on completion, not by the borrower.
Effectively yes. Most SPV BTL lenders (Paragon, Aldermore, Landbay, Foundation Home Loans, Kent Reliance, Precise) only accept applications via specialist brokers. The high-street SPV products are narrow and the sharpest rates sit with the specialist BTL lender panel that's only accessible through the broker market.
Yes — Aldermore, Paragon, Landbay, Foundation Home Loans, Kent Reliance and Precise all accept day-one SPVs as standard. Some high-street lenders (NatWest, Barclays) require 12-24 months of SPV trading history. The day-one panel is wide enough that most first-time SPV landlords have plenty of options.
Standard SPV BTL mortgages require a 25% deposit (75% LTV). 80% LTV is available from a smaller panel (Foundation, Kent Reliance, Paragon, Aldermore) at a rate premium of ~0.4-0.7%. 85% LTV is rare. Below 75% LTV gets you sharper rates — 60-65% LTV typically has the best pricing.
Yes — typically 0.3-0.8% higher than equivalent personal-name BTL from the same lender. The premium reflects the smaller SPV market. For higher-rate-taxpayer landlords, the tax efficiency of holding via Ltd (mortgage interest fully deductible against corporation tax) usually outweighs the rate premium.
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