First-Time Limited Company Landlord Guide (UK 2025/26)
Step-by-step guide for first-time UK landlords using a limited company. SPV setup, mortgage applications, deposit sourcing, SDLT, common first-purchase mistakes. Updated 2025/26.
Step-by-step guide for first-time UK landlords using a limited company. SPV setup, mortgage applications, deposit sourcing, SDLT, common first-purchase mistakes. Updated 2025/26.
UK limited company HMO mortgages explained. SPV HMO lender panel, rates, licensing thresholds (5+, Article 4), valuation methods (bricks-and-mortar vs investment), deposit requirements.
Full UK lender list accepting limited company (SPV) mortgages in 2025/26. Day-one SPV vs trading history requirements, max LTVs, HMO appetite, holiday let appetite, by lender.
UK limited company mortgage rates for 2025/26. SPV BTL rates at 75% LTV and 65% LTV, 2-year and 5-year fixes, HMO and standard rates, lender comparison.
How to remortgage a UK SPV buy-to-let in 2025/26. Capital raising for new deposits, switching lenders, ERC traps, valuation strategies, common reasons SPV remortgages get declined.
How limited company SPV (Special Purpose Vehicle) mortgages work for UK landlords. Lender criteria, rates, deposits, SDLT, stress tests, common pitfalls. Updated for 2025/26.
Section 24 of the Finance Act 2015 restricted UK landlord finance-cost relief to a 20% basic-rate credit. How it works, who's hit hardest, and how the Ltd-company shift changes the maths for 2025/26.
SPV (limited company) vs personal-name buy-to-let UK comparison for 2025/26. Tax treatment, mortgage rates, deposits, transfer costs, when each wins. With a worked example.
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