Mortgage Enquiries 0808 273 9412 Buy-to-Let Remortgage Moving House First-Time Buyer Specialist Mortgages Resources HomeMortgagesBest Mortgage Deals Buy-to-Let Mortgages for Limited Companies Could your mortgage be more tax-efficient? Speak to an LTD Company Mortgage Expert Excellent 4.85 Average rating Introduction Compare Rates Process Criteria FAQs WHY PURCHASE A BUY-TO-LET PROPERTY AS A LIMITED COMPANY? Taking out a mortgage and purchasing a buy-to-let property through a limited/LTD company or SPV (Special Purpose Vehicle) can be more tax-efficient than doing so in your personal name as a private landlord. Here's why. You Pay Income Tax on Rental Income from a Privately-Owned Rental Property You Pay Corporation Tax on the Rental Profits on Properties Held in a Limited Company, not Income Tax You can find more information on the other advantages of purchasing a buy-to-let through a limited company in our guide. IT'S SIMPLE WITH US Talk to Our Experts Today 0808 273 9412 Send Us an Enquiry LIMITED COMPANY BUY-TO-LET MORTGAGE RATES Use our free best buy tool to compare the best buy-to-let mortgages for limited companies. Property Price £ Mortgage Amount £ Mortgage Term (1-30 years) Mortgage Type purchase remortgage buy to let purchase buy to let remortgage first time buyer Product Rate Fixed Variable Initial Rate Period up to 2 years 3 years 5 years more than 5 years Loan Type repayment interest only Advanced filters Compare Mortgage Rates We've found 777 mortgage deals that match your search Sort by Initial rate True cost comparison Max LTV Monthly repayments Lender Scheme ID 3105 Initial rate ? 1.99% then 5.09% (variable) Monthly repayments ? £ 498 Type/Duration ? Variable Scheme fees ? £6,625 Cost comparison ? £18,565 MORE INFO 0808 273 9412 or Enquire Now Scheme ID 48894 Initial rate ? 1.99% then 5.09% (variable) Monthly repayments ? £ 498 Type/Duration ? Variable Scheme fees ? £6,625 Cost comparison ? £18,565 MORE INFO 0808 273 9412 or Enquire Now Scheme ID 200821 Initial rate ? 1.99% then 5.09% (variable) Monthly repayments ? £ 498 Type/Duration ? Variable Scheme fees ? £6,625 Cost comparison ? £18,565 MORE INFO 0808 273 9412 or Enquire Now Scheme ID 200823 Initial rate ? 2.29% then 5.09% (variable) Monthly repayments ? £ 573 Type/Duration ? Variable Scheme fees ? £6,625 Cost comparison ? £20,365 MORE INFO 0808 273 9412 or Enquire Now Scheme ID 3115 Initial rate ? 2.29% then 5.09% (variable) Monthly repayments ? £ 573 Type/Duration ? Variable Scheme fees ? £6,625 Cost comparison ? £20,365 MORE INFO 0808 273 9412 or Enquire Now Scheme ID 48898 Initial rate ? 2.29% then 5.09% (variable) Monthly repayments ? £ 573 Type/Duration ? Variable Scheme fees ? £6,625 Cost comparison ? £20,365 MORE INFO 0808 273 9412 or Enquire Now Scheme ID 200825 Initial rate ? 2.49% then 5.09% (variable) Monthly repayments ? £ 623 Type/Duration ? Variable Scheme fees ? £6,625 Cost comparison ? £21,565 MORE INFO 0808 273 9412 or Enquire Now Scheme ID 3124 Initial rate ? 2.49% then 5.09% (variable) Monthly repayments ? £ 623 Type/Duration ? Variable Scheme fees ? £6,625 Cost comparison ? £21,565 MORE INFO 0808 273 9412 or Enquire Now Scheme ID 48902 Initial rate ? 2.49% then 5.09% (variable) Monthly repayments ? £ 623 Type/Duration ? Variable Scheme fees ? £6,625 Cost comparison ? £21,565 MORE INFO 0808 273 9412 or Enquire Now Scheme ID 51858 Initial rate ? 2.54% then 4.74% (variable) Monthly repayments ? £ 635 Type/Duration ? Variable Scheme fees ? £4,399 Cost comparison ? £19,639 MORE INFO 0808 273 9412 or Enquire Now View More Mortgages HOW TO GET A MORTGAGE THROUGH A LIMITED COMPANY Speak to a Mortgage Broker You’ll need a specialist mortgage broker like John Charcol to apply for a buy-to-let mortgage through a limited company. Not only do we understand what criteria you need to meet for your mortgage, but most limited company buy-to-let mortgage lenders won’t accept your application unless you use an intermediary. Consult a Tax Adviser or Accountant For help setting up a limited company for buy-to-let purchases, consult a tax adviser/accountant. They’ll be able to make sure everything is set up properly. You may want to approach a tax adviser/accountant before speaking to a mortgage adviser. That way, your limited company can be set up and you’ll be ready to start the mortgage application process when you first speak to your mortgage adviser. Nonetheless, if you want some more information before setting up your limited company, then give us call on 0808 273 9412 and we’ll answer your questions. HOW CAN JOHN CHARCOL HELP WITH LIMITED COMPANY MORTGAGES? We Take Care of Everything With over 45 years of service, we've seen it all. We can save you money, time and make buying your property easy. We're Highly Recommended We have over 1,800 5* reviews on reviews.co.uk, so you can feel confident that your mortgage is in the right hands. We Give Personal, Expert Advice We work around your schedule to help you arrange a mortgage that suits your circumstances, no matter how complex. Our Purchase/Refinancing Process 1. Meeting with Adviser and Mortgage Research 2. Decision in Principle 3. Offer on Property/Refinancing 4. Pre-Application and Submission 5. Lender Underwriting and Valuation 6. Mortgage Offer 7. Conveyancing 8. Exchange and Completion LTD COMPANY MORTGAGE FAQS What’s the Difference Between a Limited Company, LTD and SPV Mortgage? How Do I Set Up a Limited Company/Get an SPV for a Buy-to-Let Mortgage? Can a Limited Company Get a Buy-to-Let Mortgage? What Are the Criteria for a Limited Company Mortgage? How Many Mortgages Can I Have Through a Limited Company? Do I Need a Commercial Mortgage? Home Insurance We can arrange buildings and contents insurance for properties owned by limited companies through our partnership with Legal and General. Learn More Protection Our in-house protection team can find you protection cover for buy-to-let limited company directors tailored to suit your specific requirements. Learn More JC Legal We can refer you to an experienced solicitor from our carefully selected panel - one with the skills to help you with your buy-to-let company mortgage. Learn More Equity Release Want to release equity from a property? We can help you access the money in your property through our partnership with Key Retirement. Learn More WHAT OUR CUSTOMERS SAY Excellent 1981 Total reviews 4.85 Average rating Anna My experience of John Charcol has been great; the customer service was excellent and very efficient. I was impressed with the quick responses I received and very grateful for the way everything was explained to me clearly. Posted 1 day ago Ron We were in need of a later life mortgage to achieve a move to the sea in retirement. Andrew Ireland of John Charcol gave excellent, timely service both in finding the right product and dealing with a switch in property in mid purchase. Always responsive and helpful he also helped with the specific formalities of buying a …more Posted 1 day ago Anonymous Very good service from Randeep. Always provided me with an update when requested one. Thank you for your hard work. Posted 6 days ago Read More Testimonials IT'S SIMPLE WITH US Talk to Our Experts Today 0808 273 9412 Send Us an Enquiry About Us Introducer and Affiliate Schemes Our Fees Careers Contact Us and Find Our Offices Regulatory Statement Our Team Client Testimonials Complaints Procedure Our Awards Cookie and Privacy Statement Refer, Relax and Share £100 Accessibility Appointed Representatives Sitemap Client Hub Sign Up to Our Newsletter Legal YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is St. Helen's, 1 Undershaft, London, EC3P 3DQ. The FCA does not regulate some investment mortgage contracts. 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