At St. George Commercial Finance Brokers Ltd., we specialize in arranging Buy to Let mortgages through Limited Companies, also known as Special Purpose Vehicles (SPVs). Whether you’re an established property investor or starting a new portfolio, purchasing or remortgaging under a limited company structure can offer significant tax advantages and long-term flexibility.

Why Choose a Limited Company Mortgage?

• Tax Efficiency: Rental income is taxed as corporation tax, not personal income, which can be more beneficial, especially for higher-rate taxpayers.

• Mortgage Interest Relief: Unlike personal landlords, limited companies can still claim full mortgage interest as a business expense.

• Portfolio Growth: Easier to reinvest profits within the company structure to grow your property portfolio more effectively.

• Asset Protection: Company ownership helps ring-fence liabilities and separates personal finances from property investments.

Who Can Apply?

• New or existing Limited Companies (typically registered as an SPV for property letting)

• Directors and shareholders with clean credit histories and demonstrable income

• Applicants with experience in property investment or business management (preferred but not always required)

Key Features of Our Limited Company Mortgages

• Wide Access to Lenders: We partner with a broad panel of lenders offering limited company products

• Flexible Terms: Interest-only and repayment options available to suit your cash flow strategy

• Competitive Rates: We help negotiate the best deals with lenders who specialize in company buy to let

• No Broker Fees: Your mortgage in principle is completely free, with zero hidden costs

• Streamlined Process: End-to-end support with documentation, lender communication, and legal coordination