Why Use Limited Company / SPV Buy-to-Let Mortgages

Limited Company and SPV (Special Purpose Vehicle) mortgages are now the most popular structure for property investors. They allow you to purchase and hold rental properties tax-efficiently, scale your portfolio faster, and access more flexible underwriting from lenders.

They’re ideal when:

✅ You want to grow a portfolio through a Limited Company
✅ You need tax-efficient property ownership
✅ You’re buying HMOs, MUFBs, or higher-yield investments
✅ You want easier future refinancing and portfolio management
✅ You want to separate personal finances from property investments
✅ You’re planning long-term portfolio growth

At The Funding Group, we specialise in helping investors secure competitive BTL mortgages through SPVs and limited companies.

Common SPV / Ltd Company Mortgage Use Cases

We help landlords and companies with:

🏘️ Standard single-let buy-to-lets
🏡 HMOs, MUFBs, and co-living investments
🏢 Semi-commercial or mixed-use properties
🔁 Bridge-to-Let exits using SPV structures
📦 Portfolio refinancing and restructuring
📈 Scaling property portfolios with multiple acquisitions
🏗️ Refinancing after refurbishment, conversions, or value-add projects

We work with lenders who specialise in property-focused companies and understand SPV structures inside out.

How We Work

Setting up and financing an SPV can feel complex — we make it simple.

📞 Initial Chat (Same Day)
We assess your property type, rental figures, structure (Ltd/SPV), and tax considerations.

📄 Indicative Terms Within 24 Hours
We match your case with lenders who offer the lowest stress tests and best rates for SPVs.

🏢 Valuation & Company Underwriting
We coordinate valuations and ensure lender requirements for SPV documentation are fully met.

💷 Smooth, Fast Completion
Most SPV mortgages complete within 4–6 weeks, depending on property type.

We guide your company through the full process to keep everything smooth.

Why Investors Choose The Funding Group

We help you:

📈 Build and scale your portfolio in a tax-efficient structure
🏘️ Access specialist SPV lenders with competitive terms
🔁 Refinance BRRR or bridge-to-let projects
💼 Simplify underwriting for new Limited Companies
📊 Secure better affordability through company-based stress tests
💡 Get expert support on structuring your lending strategy

You get long-term clarity, stronger mortgage options, and a streamlined investment journey.

Need an SPV or Ltd Company Mortgage? We’ll Set You Up Correctly

We make SPV mortgages easy — whether you’re a first-time investor or a portfolio landlord.

✅ Fast decisions
✅ Expert structure guidance
✅ Full end-to-end support

👉 Get a same-day quote or call 08000 699 500

SPV Mortgage FAQs – Answered

Can a brand-new Limited Company get a mortgage?
Yes — SPVs with no history are accepted by most lenders.

Do I need to give a personal guarantee?
Usually yes, but exposure depends on loan structure.

Is an accountant required?
Not always — but good tax advice is recommended.

What rates are available?
Rates depend on property type but often start around 3-4%.