Limited Company Buy-to-Let
Limited Company Buy-to-Let Mortgage Broker
Investing through a limited company has become one of the most popular ways for landlords to build a property portfolio. The approach often offers potential tax efficiencies and a more flexible way to manage multiple rental properties. At Drummonds Finance Group, we specialise in helping landlords understand how limited company buy-to-let mortgages work, why they have become the preferred route for many investors and how to structure your borrowing in a way that suits your long-term plans.
Limited company lending has grown rapidly as mortgage lenders adjust their criteria and HMRC guidance continues to evolve. Our role is to give clear, professional advice, cut through the jargon and help you secure a competitive mortgage that fits your investment goals.
Should you set up an SPV
A Special Purpose Vehicle is a limited company created only for property investment. Many lenders prefer this structure because it is simple, predictable and easy to underwrite. An SPV tells the lender that the business is clean and only used for owning rental property. If you already trade through a company that does something else, you might still be able to borrow, but lenders will take a more detailed look at the accounts and activities. We guide investors through this decision every day and we work closely with your accountant to ensure your structure is right for lending.
Limited company mortgages and your long term plan
Buying a rental property through a company is not just about the mortgage. It is also about your strategy. Some landlords want to grow quickly and use the retained profits inside the company to acquire more properties. Others want to reduce their tax bill, improve cash flow or plan ahead for family wealth. The right mortgage needs to match the way you run your business. Our conversations go far beyond rates and fees because a good structure today can save you money for years to come.
Limited company buy to let mortgages for Oxford and Bicester investors
Although we work with clients all over the UK, many landlords in Oxford and Bicester use limited company lending because local house prices and strong rental demand can push personal buy to let affordability to the limit. The numbers often work better inside a company, especially for higher income professionals, academics and investors building a portfolio around Oxfordshire. We understand the local market and we know exactly which lenders work best for more complex Oxfordshire cases.
Using rental income to maximise borrowing
Rental stress testing for limited company mortgages can vary widely between lenders. Some will stress the rental income at higher interest rates, while others offer more flexible calculations if you opt for a longer fixed rate. This can directly impact how much you are able to borrow and whether a deal stacks up financially.
For portfolio landlords, lenders may also look at overall portfolio performance rather than just the subject property. This is where experienced broker input becomes critical, as the wrong lender choice can reduce borrowing power unnecessarily.
