What is an SPV, and do I need one?

A special purpose vehicle, a limited company that exists solely to hold property, usually under specific SIC codes lenders recognise. Most company buy-to-let lenders prefer or require one, and setting it up correctly is straightforward.

Are limited company mortgage rates higher?

Historically they’ve tended to price slightly above personal buy-to-let, though the gap varies and the after-tax position is what matters. We’ll show you the whole-picture comparison rather than the headline rate.

Can I transfer properties I already own into a company?

Yes, but it’s a sale in law, with possible stamp duty and capital gains consequences, so it needs joined-up advice with your accountant. Where it makes sense, we arrange the company lending side.

Limited Company Buy-to-Let

The structure most modern landlords choose, financed by lenders who specialise in it.

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Why landlords incorporated

Since the restriction of mortgage interest relief for individual landlords, much of the market has moved to limited company, typically SPV, ownership, where interest remains a deductible business cost and profits can be retained or drawn flexibly.

Company lending is its own market: different lenders, different rates, personal guarantees, and underwriting that looks at both the company and the people behind it. It rewards advice.

How ERG helps

SPV lending, end to end:: From setting up the right SIC-coded company to completion, we arrange lending with the specialist lenders built for corporate landlords.
Honest structure advice:: Limited company isn’t automatically better. It depends on your tax band, drawings and exit plans. We’ll model it with your accountant before you commit.
Portfolio architecture:: Existing properties, transfers, mixed ownership. We structure borrowing across the portfolio so each purchase strengthens the next.

Detail, keys, company documents and a laptop on a desk; business-like calm

Who we help

Company buy-to-let cases we arrange:

First purchases through a new SPV
Landlords moving from personal to company ownership
Portfolio purchases across multiple SPVs
Directors using retained company profits as deposits
Refinancing company-held portfolios to release equity

Buy-to-Let Mortgages → Self-Employed Mortgages → Portfolio Landlord Mortgages →

Our Guide to Buy-to-Let Mortgages

Personal name or limited company, portfolio rules, stress tests and what lenders actually look for. The guide is free to download and written for landlords, not for lenders.

Download the Guide to Buy-to-Let Mortgages Try the buy-to-let calculator

Frequently Asked Questions

A special purpose vehicle, a limited company that exists solely to hold property, usually under specific SIC codes lenders recognise. Most company buy-to-let lenders prefer or require one, and setting it up correctly is straightforward.
Historically they’ve tended to price slightly above personal buy-to-let, though the gap varies and the after-tax position is what matters. We’ll show you the whole-picture comparison rather than the headline rate.
Yes, but it’s a sale in law, with possible stamp duty and capital gains consequences, so it needs joined-up advice with your accountant. Where it makes sense, we arrange the company lending side.

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A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.

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