Non SPV Limited Company Buy to Let Mortgage

Published 1 March 2016 · Last reviewed 1 May 2026

Limited Company Buy to Let Mortgage options for Professional Landlords

Since the budget the market has adjusted to provide more mortgage solutions for limited company purchases and remortgages. There is however an
Important segment of the limited company Buy to Let mortgage arena that has been left under-serviced, and that is funds for established businesses.

Put another way the buzz phrase from the bulk of the Lenders is: ‘ we welcome newly Special Purpose
Vehicles (SPVs) for property accusation or existing let’s.’ However to the true Professional Landlords whose company might undertake other functions; such as rental administration (letting agency) or some entirely different profitable business they are preconcluded. Why? Well a lot of the Lenders have been forced into offering Limited Company Mortgages and their Underwriters are only ready for property based clients.

The good news at Niche Funding we can access Lenders that will look at all companies irrespectice of whether Property is the main function. Furthermore the company can also be based ‘offshore’ for tax purposes.

Call to find out how we can help with Company Buy to Let Mortgage options whether they are newly formed or trading businesses

Initial enquiry · No obligation

Speak to a specialist mortgage adviser today.

Independent UK specialist mortgage broker. Free initial review — your enquiry will not affect your credit file.

Whole of Market. FCA-regulated independent advice — specialist mortgage broking since 2008.
Specialists in complex cases. Self-employed, visa applicants, foreign nationals, adverse credit and bridging.
Call-back from a qualified adviser. We’ll get back to you as soon as we can during working hours.

4.8/5 on Google 130+ reviews

Payam Azadi Director – Specialist Finance Expert

Initial enquiry · No obligation Speak to an adviser

Free initial review · No obligation

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. A small number of buy-to-let mortgages are FCA-regulated — typically Consumer Buy-to-Let (where the borrower is not acting in the course of a business, such as an accidental landlord who has inherited or moved out of a former main residence) and Family Buy-to-Let (where the property is let to an immediate family member). Limited-company buy-to-let, portfolio buy-to-let and standard personal-name buy-to-let are not regulated by the FCA.

Where the underlying mortgage is not FCA-regulated, the lender's conduct on that loan is not covered by FCA rules and you may have reduced access to the Financial Ombudsman Service for complaints about the lending decision or product terms. However, Niche Advice Limited is a Credit Broker authorised and regulated by the Financial Conduct Authority (FCA No: 750263), and our broking activity — including the introduction we make to the lender — IS FCA-regulated under the FCA's CONC rules. Complaints about our broking service can therefore be referred to the Financial Ombudsman Service in the usual way.