If you already own a Limited Company and are looking to either refinance or purchase a new investment property, we understand that the process of getting a mortgage can be tough.

There are a range of options available for you and, for reasons that largely come down to tax efficiency, more and more investors are deciding to buy properties within a Limited Company. By speaking to an expert broker, we can connect you with Limited Company mortgage lenders, while supporting you from start to finish.

For more information, read our in-depth Guide to Buy-to-Let mortgages for Limited Companies

Compare the best buy-to-let mortgages for limited companies

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

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Looking for the best Buy-to-Let mortgages for Limited companies? Our free comparison tool provides an indication of the best mortgage rates available to those purchasing or remortgaging an investment property within a Limited company.

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We recommend you sort by True Cost Comparison find out more

We recommend you sort by True Cost Comparison

We suggest you use our ‘True Cost Comparison’ filter. This allows you to accurately understand how different mortgages compare by ordering results based on the total cost over a ‘deal period’, such as a two, or five-year fixed rate mortgage.

Some low interest rate deals might seem attractive, but if fees are higher they might not be the best value for you. When comparing mortgage deals our true cost comparison factors the lender fees over the length of the deal as well as your monthly mortgage payments.

For example, if your repayments are £2,000 per month on a two-year fixed-rate mortgage, plus £500 in lender fees, the total cost of the deal is £48,500.

We've found 137 mortgage deals that match your search

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Product code 0075B4
Initial rate 2.86% then 5.78% (variable) ?
Monthly repayments £477 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £5,320 ?
Cost comparison £16,760 ?

Fees & Charges

Booking fee £150
Arrangement fee £4,500
Valuation fee £525
Other fees £30
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid within 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £115
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 2.86% and then on a variable rate, currently 5.78%, for the remaining 23 years would require 24 payments of £476.67 and 276 payments of £963.33. The total amount payable would be £282,639 made up of the interest (£277,319) and fees (£5,320 which includes exit fees of £115). The overall cost for comparison is 5.8% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 006YDP
Initial rate 2.94% then 4.95% (variable) ?
Monthly repayments £490 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £3,807 ?
Cost comparison £15,567 ?

Fees & Charges

Booking fee £0
Arrangement fee £3,000
Valuation fee £300
Other fees £317
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? No
Early Repayment charges 3% of loan amount redeemed to be paid within 1 year; then 2% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £190
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 2.94% and then on a variable rate, currently 4.95%, for the remaining 23 years would require 24 payments of £490.00 and 276 payments of £825.00. The total amount payable would be £243,267 made up of the interest (£239,460) and fees (£3,807 which includes exit fees of £190). The overall cost for comparison is 5.1% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 0075PH
Initial rate 2.99% then 5.78% (variable) ?
Monthly repayments £498 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £4,820 ?
Cost comparison £16,780 ?

Fees & Charges

Booking fee £150
Arrangement fee £4,000
Valuation fee £525
Other fees £30
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid within 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £115
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 2.99% and then on a variable rate, currently 5.78%, for the remaining 23 years would require 24 payments of £498.33 and 276 payments of £963.33. The total amount payable would be £282,659 made up of the interest (£277,839) and fees (£4,820 which includes exit fees of £115). The overall cost for comparison is 5.8% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002NV7
Initial rate 3.05% then 5.74% (variable) ?
Monthly repayments £508 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £4,785 ?
Cost comparison £16,985 ?

Fees & Charges

Booking fee £145
Arrangement fee £4,000
Valuation fee £470
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid within 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £135
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 3.05% and then on a variable rate, currently 5.74%, for the remaining 23 years would require 24 payments of £508.33 and 276 payments of £956.67. The total amount payable would be £281,026 made up of the interest (£276,241) and fees (£4,785 which includes exit fees of £135). The overall cost for comparison is 5.6% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 001FTE
Initial rate 3.09% then 5.54% (variable) ?
Monthly repayments £515 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £3,590 ?
Cost comparison £15,950 ?

Fees & Charges

Booking fee £0
Arrangement fee £3,000
Valuation fee £490
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? No
Early Repayment charges 2.00% of loan amount redeemed to be paid within 2 years

Other info

Exit fees £100
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 3.09% and then on a variable rate, currently 5.54%, for the remaining 23 years would require 24 payments of £515.00 and 276 payments of £923.33. The total amount payable would be £270,789 made up of the interest (£267,199) and fees (£3,590 which includes exit fees of £100). The overall cost for comparison is 5.3% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002O76
Initial rate 3.09% then 5.54% (variable) ?
Monthly repayments £515 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £4,129 ?
Cost comparison £16,489 ?

Fees & Charges

Booking fee £150
Arrangement fee £3,000
Valuation fee £580
Other fees £299
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? No
Early Repayment charges 2.00% of loan amount redeemed to be paid within 2 years

Other info

Exit fees £100
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 3.09% and then on a variable rate, currently 5.54%, for the remaining 23 years would require 24 payments of £515.00 and 276 payments of £923.33. The total amount payable would be £271,328 made up of the interest (£267,199) and fees (£4,129 which includes exit fees of £100). The overall cost for comparison is 5.7% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002O7C
Initial rate 3.09% then 5.54% (variable) ?
Monthly repayments £515 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £3,889 ?
Cost comparison £16,249 ?

Fees & Charges

Booking fee £150
Arrangement fee £3,000
Valuation fee £340
Other fees £299
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? No
Early Repayment charges 2.00% of loan amount redeemed to be paid within 2 years

Other info

Exit fees £100
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 3.09% and then on a variable rate, currently 5.54%, for the remaining 23 years would require 24 payments of £515.00 and 276 payments of £923.33. The total amount payable would be £271,088 made up of the interest (£267,199) and fees (£3,889 which includes exit fees of £100). The overall cost for comparison is 5.6% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 001FX0
Initial rate 3.19% then 5.54% (variable) ?
Monthly repayments £532 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £3,830 ?
Cost comparison £16,590 ?

Fees & Charges

Booking fee £0
Arrangement fee £3,000
Valuation fee £730
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? No
Early Repayment charges 2.00% of loan amount redeemed to be paid within 2 years

Other info

Exit fees £100
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 3.19% and then on a variable rate, currently 5.54%, for the remaining 23 years would require 24 payments of £531.67 and 276 payments of £923.33. The total amount payable would be £271,429 made up of the interest (£267,599) and fees (£3,830 which includes exit fees of £100). The overall cost for comparison is 5.5% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 00577J
Initial rate 3.19% then 4.49% (variable) ?
Monthly repayments £532 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £3,244 ?
Cost comparison £15,779 ?

Fees & Charges

Booking fee £0
Arrangement fee £2,500
Valuation fee £225
Other fees £334
Cashback £225

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3% of loan amount redeemed to be paid within 1 year; then 2% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £185
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 3.19% and then on a variable rate, currently 4.49%, for the remaining 23 years would require 24 payments of £531.67 and 276 payments of £748.33. The total amount payable would be £222,318 made up of the interest (£219,074) and fees (£3,244 which includes exit fees of £185). The overall cost for comparison is 4.2% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002NVG
Initial rate 3.25% then 5.74% (variable) ?
Monthly repayments £542 ?
Type/Duration Fixed  until 21/10/2021 ?
Scheme fees £5,420 ?
Cost comparison £18,420 ?

Fees & Charges

Booking fee £145
Arrangement fee £4,000
Valuation fee £1,105
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid within 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £135
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 3.25% and then on a variable rate, currently 5.74%, for the remaining 23 years would require 24 payments of £541.67 and 276 payments of £956.67. The total amount payable would be £282,461 made up of the interest (£277,041) and fees (£5,420 which includes exit fees of £135). The overall cost for comparison is 5.7% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

View more mortgages

We can help with a broad range of options, including:

  • Company Buy-to-Let rates from 2.69% pa
  • Limited Company HMO rates from 2.94% pa
  • Limited Companies with SPV (Special purpose vehicles)
  • Borrowing up to 85% loan to value (LTV)
  • No minimum income requirements
  • No limit to number of properties in portfolio

(Information correct as of December 2018)

 

Need some advice?

Send us your details and we will help find the mortgage that's right for you:

Why are limited company mortgages difficult to organise?

If your Limited Company receives money/income from any business or asset other than your Buy-to-Let property, then it is considered a Trading Company (not an SPV), which most lenders cannot accept.

Lenders typically prefer SPV mortgages as opposed to trading company mortgages, as the inclusion of other income streams and business channels via the company structure could introduce a higher element of risk.

The assessment criteria for the Limited Company Buy-to-Let mortgages can vary. The personal financial history of the director(s) will often be considered and lenders usually require the director(s) to personally guarantee the debt.

HOW CAN JOHN CHARCOL HELP WITH LIMITED COMPANY MORTGAGES?

We have plenty of experience of working closely with Limited Company mortgage providers. Our combination of expert staff and access to the whole market allows us to offer impartial advice and support to help guide you through the finance options available to you as a Limited Company.

We also have access to a range of other trusted partnerships with professionals such as insurers, tax accountants and legal professionals. With the help of these partners and our staff, you can receive the whole service.

When choosing the best Buy-to-Let mortgage for your Limited company, expertise counts

To find out if your Limited company qualifies for a Buy-to-Let mortgage, call our experts who can conduct a more detailed, personalised search. 

We can also help you compare rates to find a better deal and save time and money by managing your mortgage application from start to finish. 

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