Limited company buy-to-let rates.
From 4.22% a year across our panel. Why company products price above personal ones, what moves your number, and the fees that decide the real cost.
Company buy-to-let prices above personal. Always has.
A limited company buy-to-let mortgage will normally cost you more than the personal equivalent, and the arrangement fees are usually higher too. That is not a quirk of the current market. It is structural: fewer lenders serve it, the underwriting is heavier, and the security is a company rather than a person.
The reason people do it anyway is tax. Since Section 24, mortgage interest is no longer fully deductible against personal rental income, but it remains deductible inside a company. Whether that saving clears the higher borrowing cost is arithmetic specific to you, and it is your accountant's call rather than ours. Company vs personal, in full →
| Product | Rate from |
|---|---|
| Buy-to-let | 4.22% pa |
| Commercial | 6.24% pa |
Rates shown are "from" rates, correct as at 14 August 2026, and are subject to status, loan-to-value, security and lender criteria. They are not an offer or a personalised quote; a full quote follows your enquiry. Your property may be repossessed or receivers appointed if you do not keep up repayments on a loan secured against it.
Six things set your rate.
Company buy-to-let pricing is more sensitive to the property than to the borrower, which is the opposite of how residential lending feels.
- Loan to value. The main lever, and the bands are steep. Coming down a band is often worth more than shopping for a better lender at the same band.
- Property type. A standard single let is the base case. HMOs price above it, and large HMOs above small ones. Multi-unit freehold blocks, semi-commercial and holiday lets each sit in their own band. HMO mortgages →
- Rental cover. Lenders stress the rent against the payment at a rate above the one you are paying. A property that passes comfortably opens more of the market than one that scrapes through, and that alone changes the price available to you.
- Fee structure. The same lender will often offer a low rate with a high percentage fee, or a higher rate with a flat fee. On a small loan the flat fee usually wins; on a large one it usually does not. This is where headline comparison falls apart.
- Fixed period. Two-year and five-year money price differently, and five-year fixes are often stressed more generously, which can mean a larger loan as well as a different rate.
- The company itself. Most lenders want a clean SPV with the right SIC codes rather than a trading company with property on the side. Forming the wrong structure is expensive to unpick. SPV mortgages →
The true cost of a company BTL mortgage.
- Arrangement fee. Often a percentage of the loan on company products, and often higher than the personal equivalent. Usually addable to the loan, which hides it.
- Valuation. Paid by you. HMOs and multi-unit blocks cost more to value than a standard single let.
- Legal costs. Company purchases carry more legal work than personal ones, and most lenders require independent legal advice on the personal guarantees.
- Personal guarantees. Not a cost, but the thing people underestimate. The company owns the property and you guarantee the debt, so limited liability is thinner here than it looks.
- Annual running costs. Accounts, confirmation statements, corporation tax returns, and an accountant's fee every year, forever. On one or two properties this is a real drag on the tax advantage.
- Getting the money out. Profit sits in the company. Taking it personally means salary or dividend tax on top of corporation tax. If you need the rental income to live on, the company route is usually worse, not better.
We are a credit broker, not a lender, and we do not give tax advice. What we will do is tell you what your target lenders require before you form the company, so you do not form the wrong one and pay to fix it.
Pricing by property type.
Single lets
The base case, and the widest lender choice. Everything else prices relative to this.
02 / HMOHMO mortgages
Higher yields, higher rates, fewer lenders. Small and large HMOs are treated as different products, and Article 4 and licensing change who will lend.
03 / SPVSPV mortgages
What lenders want the company to look like, which SIC codes to use, and why a trading company with property in it is harder to place.
04 / PortfolioPortfolio landlords
Four or more mortgaged properties puts you in a different underwriting category, assessed across the whole portfolio rather than property by property.
Company buy-to-let rates, answered.
Are limited company buy-to-let rates higher?
Usually, yes, and arrangement fees are often higher too. The company BTL market is smaller than the personal one, though it has grown a great deal. Whether the tax position justifies the gap is your accountant's call rather than ours.
What rate can I actually get?
Our panel starts at 4.22% a year. Where you land depends on loan to value, property type, how comfortably the rent covers the stressed payment, the fee structure you pick and the fixed period. Send us the property and the company structure and we will come back with real numbers.
Do HMOs cost more to finance?
Yes. HMOs price above standard single lets, large HMOs above small ones, and the lender pool is narrower. The yield is usually higher too, which is the trade. HMO mortgages →
Is a low rate with a big fee better than a higher rate with a flat fee?
It depends entirely on loan size. Percentage fees scale with the loan and flat fees do not, so the crossover point moves with every deal. Work out the total cost over the fixed period rather than comparing headline rates.
Do you lend to individuals?
No. We arrange finance for limited companies, SPVs and corporate borrowers only, and we are a credit broker rather than a lender. The finance we arrange is commercial lending secured on property that is not the borrower's home, so it falls outside the FCA's remit.
Tell us about the deal.
- Call0333 577 1988
- WhatsApp07977 486886
We arrange finance for limited companies, SPVs and corporate borrowers only.