Looking for a first time limited company landlord mortgage? Limited company buy-to-let mortgages are a specialist solution for landlords aiming for tax efficiency, portfolio growth, and long-term property investment. Choosing the right lender is crucial — especially for first-time landlords — to avoid costly mistakes, maximise returns, and secure the most suitable mortgage from the start.
At Middleton Finance, I provide clear, expert guidance to help property investors, whether purchasing through a new SPV or remortgaging an existing portfolio. From lender selection to mortgage completion, I manage the process end-to-end — leaving you free to focus on your property strategy.
A limited company buy-to-let mortgage is arranged in the name of a company rather than an individual. Most lenders require the company to be set up as a Special Purpose Vehicle (SPV) with the correct SIC codes for property letting or management.
SPV / SIC code explainer:
I regularly help clients with:
Director guarantees and specialist underwriting requirements
If this is your first property purchase through a limited company, you don’t need previous landlord experience. Some lenders will consider first-time limited company landlords if your SPV is correctly structured and your director guarantees are in place.
I help first-time landlords to:
I’ll match you with lenders most likely to approve first-time limited company landlord applications, giving you a smooth, stress-free start.
| Feature | Limited Company | Personal Buy-to-Let |
| Ownership | Company (SPV) | Individual |
| Tax | Potentially more efficient; mortgage interest relief via company | Personal tax rules; less relief on interest |
| Portfolio Growth | Easier to manage multiple properties | Limited by personal income & tax allowances |
| Lender Criteria | Specialist lenders; stricter rules | More mainstream lenders |
| First-Time Landlord Access | Some lenders accept | Wide availability |
| Mortgage Rates | Often slightly higher | Typically lower than company rates |
If this is your first property purchase through a limited company, you don’t need previous landlord experience. Some lenders will consider first-time limited company landlords if your SPV is correctly structured and your director guarantees are in place.
I help first-time landlords to:
I’ll match you with lenders most likely to approve first-time limited company landlord applications, giving you a smooth, stress-free start.
Limited company buy-to-let mortgages are more specialist and not all lenders offer them. As a broker with experience in limited company lending, I can:
This ensures your application is structured correctly from the outset, reducing rejection risk and avoiding costly delays.
While criteria vary by lender, most require:
Even first-time landlords can often secure finance through a limited company, provided the SPV is correctly set up and lender criteria are met.
I guide you through the mortgage journey from start to finish:
1️⃣ Initial consultation – Discuss investment goals, property plans, and company structure
2️⃣ Lender comparison – Identify the best limited company buy-to-let mortgage options for your situation
3️⃣ Mortgage recommendation – Clear explanation of products, rates, and terms
4️⃣ Application & paperwork – I manage the full process with lenders
5️⃣ Mortgage offer & completion – Ongoing support until your mortgage is finalised
You’ll always know what’s happening, helping you avoid mistakes, delays, and unnecessary stress.
My broker fee is £399, payable only once you receive a formal mortgage offer.
We may also receive a commission from the lender, which will always be disclosed clearly.
Most lenders prefer SPVs, but this depends on your company structure. I’ll advise you before you apply.
Yes. Some lenders accept first-time landlords if the SPV is correctly structured and criteria are met.
Most are not FCA regulated, except for certain consumer buy-to-let loans. I explain exactly how this applies to your situation.
From application to mortgage offer, it typically takes 2–6 weeks, depending on lender valuation and documentation.
Still have a question? Get in touch.
If you’re a first-time or experienced landlord looking to buy or remortgage through a limited company, I provide clear, specialist guidance from start to finish.