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 A row of houses on a street.

Buy-to-let mortgage for limited companies

For up to three properties

If you're looking to expand your property portfolio up to three properties, a buy-to-let mortgage for limited companies could be the right solution. 

What is a buy-to-let mortgage for limited companies?

A buy-to-let mortgage for limited companies is a way to take out a mortgage on properties through a limited company, rather than in your own name. These mortgages are designed for the purchase and remortgage of residential properties that are leased or let already, or will be ready to let within one month of completion.

Key features and benefits

Every project is unique, so our buy-to-let mortgages offer flexible terms that work for your business.  

 

Borrow up to £1 million for up to three properties


Loan to value up to 70% for repayment and 65% for interest-only

 

Mortgage terms from 1 to 25 years with interest-only available up to 15 years


Payments designed to suit you – fixed or variable rates available, with fixed available for up to 10 years

Dedicated support from our Real Estate team – experts in lending against property to limited companies

All loans are subject to application and status. 

Is this right for you?

Eligible businesses

To be eligible for this buy-to-let mortgage

The majority shareholder must have a minimum personal income of £25,000 per year

You need to be looking to expand or remortgage your property portfolio to a maximum of three residential lettings

You need to be a limited company or limited liability partnership

Terms and fees

Fixed interest rates available for up to 10 years

Variable rates based on Bank of England base rate

An early repayment charge may apply if you repay all or part of your balance before the expiry of the agreed term

Lending fees and associated borrowing costs apply and can be added to the mortgage balance

For fixed-rate mortgages, if you decide to cancel the fixed interest rate, you may have to pay a breakage cost in addition to other fees, such as early repayment charges

Each mortgage application is considered on its own merits by our own dedicated borrowing team 

 

Any property used as security, which could include your home, may be repossessed if you don’t keep up repayments on your mortgage.

Green buy-to-let mortgage

  • Green buy-to-let mortgage

    If you’re looking to remortgage or expand your property portfolio to include energy efficient buildings (with an Energy Performance Certificate (EPC) rating of B or above), our green buy-to-let mortgage1 could help.

    Investing in green assets could help you prepare your business for a lower-carbon future.

    Borrow from £25,001 and get a discounted interest rate on eligible green assets2.

    Subject to eligibility, other product features apply as standard.  

  • What you could purchase or re-finance

    You can only take out this loan for your business if the money is used towards buying or refinancing energy efficient buildings with an EPC rating of B or above.

    Find additional information and the full list of eligible green assets on our Eligible Green Asset Guide. [PDF, 6.8MB]

    Subject to eligibility, other product features apply as standard. 

  • Ready to apply?

    Contact us to discuss your needs, and we’ll progress your application if you’re eligible3.

    You may need to provide evidence of the eligible green assets you’re planning to buy or re-finance and any costs that will be associated with buying the assets. 

    Subject to eligibility, other product features apply as standard.

How we could support your sustainability journey

Planning your sustainability journey

Our specialist team could help you get started on your journey to becoming a more sustainable business.

Speak to a net zero specialist

Our specialist team will work with you to assess your current level of net zero progress and provide next steps and resources tailored to your needs.

Green asset finance

We’ve partnered with industry experts Propel4 to help your business get access to quick and cost-effective finance for eligible green assets.

Borrow from £5,000 and you could get a competitive fixed rate for:

  • Electric vehicles
  • Solar photovoltaic (PV) panels
  • Battery storage units5
  • LED lighting
  • Heat pumps (air, water and ground)
  • Electric vehicle charging points.

You may also be interested in

Buy-to-let for business

If you’re looking to develop or expand your investment portfolio with four or more properties, our buy-to-let mortgage could help.

Loan to value up to 60%, which you can spread across your portfolio

Mortgage terms from 1 to 25 years

Expert support from our Real Estate team

Mortgages for commercial properties

Whether you need to buy a new building or release equity from your existing one, a commercial mortgage could be the answer6.

Borrow from £25,000

Buy new premises or release equity from current buildings

Fixed and variable deals from 1 to 25 years 

Loans for large purchases or investments

Unsecured borrowing that helps businesses spread the cost of a purchase over a set period. 

Borrow up to £100,000 online

Fixed or variable rates

Monthly repayments from 1 to 5 years 

All business borrowing

We can help you get off the ground or expand your business

Explore all our borrowing options 

Higher loans and overdrafts7 might be available if you call8 0333 202 7431 

Other funding options

Compare our business borrowing with borrowing offered by other lenders9. You can find out more about the government’s Bank Referral Scheme [PDF, 1.4MB], including eligibility information.

Funding Options

Its award-winning technology searches the market to find the right funding for your business’ situation. It’s quick, easy to use, and their team’s on hand if you need help.

Alternative Business Funding

It offers a free and easy way to find different funding options, focusing on making things simple for business owners who don’t have much time on their hands.

Funding Xchange

It shows you competing offers from lenders, to make sure you see the best terms. You’ll see quotes from up to 45 lenders, in a simple format, so you can easily compare and choose the offer that’s best for your business.

Swoop

It shows you the broad range of funding options that are available to businesses across the UK and Ireland. After assessing your needs, it matches you with the right solution from over 1000 providers.

Contact us

Want to bank with us?

Find out more information on how to open a business account.

Already bank with us?

For help and support, or to talk about other products and services we offer, call us on

0800 027 132110.