Limited Company Buy to Let Mortgage
Limited Company Buy To Let Mortgage in Northern Ireland
Limited company buy to let mortgage Belfast
Last Updated: 14th January 2026
A Limited Company Buy to Let Mortgage is an increasingly popular option for property investors who want to grow or manage their portfolio in a more structured and tax-efficient way. By purchasing buy to let properties through a limited company rather than in your personal name, you may be able to retain more flexibility as your portfolio grows.
At AIMS NI, we provide independent, whole-of-market mortgage advice to property investors across Northern Ireland. Whether you are setting up your first limited company buy to let or expanding an existing portfolio, our experienced advisors will guide you through the process and help you secure the right mortgage for your investment strategy.
What Is a Limited Company Buy to Let Mortgage?
A Limited Company Buy to Let Mortgage is a mortgage used to purchase or remortgage a rental property that is owned by a limited company, rather than by an individual. The mortgage is taken out in the company’s name, and the rental income belongs to the company.
Most lenders prefer the limited company to be set up as a Special Purpose Vehicle (SPV). An SPV is a company created solely for buying and managing rental property and usually has specific property-related SIC codes.
LCBTLM differ from personal buy to let mortgages in several ways, including lender criteria, interest rates, affordability calculations and legal structure. AIMS NI will help you understand these differences and decide whether buying through a limited company is right for you.
Why Buy to Let Through a Limited Company?
Many landlords this mortgage for strategic and financial reasons, including:
Potential tax efficiency compared to personal ownership
Ability to reinvest rental profits within the company
Separation of personal and business finances
Greater flexibility when building a larger property portfolio
Easier long-term planning for portfolio landlords
Tax treatment can vary depending on your personal circumstances, so AIMS NI always recommends seeking advice from a qualified tax professional alongside mortgage advice.
How Does Buying to Let Through A Limited Company Work?
The process of securing a Limited Company Buy to Let Mortgage typically follows these steps:
Set Up or Confirm Your Limited Company – Most lenders prefer an SPV with property-related SIC codes.
Choose Your Investment Property – The property must meet lender criteria for buy to let.
Assess Deposit and Rental Income – Lenders assess expected rental income rather than personal salary.
Apply for the Mortgage – AIMS NI compares the whole market to find suitable lenders.
Underwriting and Valuation – The lender reviews the company, directors, and property.
Completion – The mortgage completes and the property is purchased in the company name.
AIMS NI manages the process from start to finish, liaising with lenders, solicitors and valuers on your behalf.
Who Can Apply for a Limited Company Buy to Let Mortgage?
A Limited Company Buy to Let Mortgage is suitable for a wide range of investors, including:
- First-time landlords
- Experienced landlords and portfolio investors
- Company directors and shareholders
- Self-employed individuals
- Investors with complex income structures
Lenders will typically assess the personal credit history of directors, even though the mortgage is in the company name. AIMS NI specialises in supporting applicants with non-standard or complex circumstances.
Deposit Requirements for Limited Company Buy to Let Mortgages
Deposit requirements for these mortgages are generally higher than for residential mortgages. The exact amount required depends on:
- Property type and location
- Expected rental income
- Company structure
- Director credit profiles
- Lender criteria
In most cases, lenders expect a larger deposit to reflect the additional risk associated with company lending. AIMS NI will explain realistic deposit expectations and how different deposit levels can affect rates and lender choice.
What Do Lenders Look at for Buying To Let Through a Limited Company?
When assessing these Buy to Let Mortgage, lenders typically consider:
- Rental income and stress testing calculations
- The company’s structure and SIC codes
- The personal credit history of directors
- Experience as a landlord (if applicable)
- Portfolio size and existing borrowing
- Property type, condition and location. Unlike residential mortgages, affordability is largely based on rental income rather than personal earnings, although personal income may still be reviewed.
Limited Company Buy to Let Mortgage Rates and Costs
Interest rates for LCBTLM are often slightly higher than for personal buy to let mortgages. This reflects the increased complexity and perceived risk for lenders.
Other costs to consider include:
- Arrangement and product fees
- Valuation and legal fees
- Company accounting and compliance costs
- Potential refinancing or exit fees
AIMS NI will provide clear explanations of all costs involved, ensuring there are no surprises.
Risks and Considerations When Using a Limited Company for a Buy To Let Mortgage
Whilst this can offer advantages, it is important to understand the potential drawbacks:
- Higher interest rates and fees
- Increased administrative responsibilities
- Ongoing company reporting requirements
- Tax complexity requiring professional advice
- Exit strategy considerations when selling or refinancing
AIMS NI ensures you understand both the benefits and the risks before proceeding.
Why Choose AIMS NI for a Limited Company Buy to Let Mortgage?
AIMS NI is trusted by property investors across Northern Ireland because we offer:
- Independent, whole-of-market mortgage access
- Over 20 years of experience in buy to let and investment mortgages
- Expertise in SPVs and portfolio landlord lending
- FCA-regulated, award-winning advice
- Advisors located across Northern Ireland
- Clear, professional, jargon-free guidance
- Full support from enquiry to completion
Our aim is to help you secure the right Limited Company Buy to Let Mortgage that aligns with your investment goals.
Start Your Limited Company Buy to Let Mortgage with AIMS NI
If you are considering investing through a limited company, AIMS NI can help you secure a LCBTLM with confidence. Our whole-of-market advisors will assess your plans, compare lenders and guide you through every stage of the process.
Contact AIMS NI today for a free, no-obligation consultation and take the next step in building your property investment portfolio.
FAQs – Limited Company Buy to Let Mortgages
Yes, some lenders will consider first-time landlords, although criteria may be stricter and deposits higher.
Most lenders prefer SPVs, but some will consider trading companies depending on structure and activity.
Rates are often higher than personal buy to let mortgages due to increased risk and complexity.
Lenders use rental stress testing to ensure the rent covers mortgage payments at a higher interest rate.
This is possible but involves legal, tax and mortgage considerations. Professional advice is essential.
Yes. Lenders will assess personal credit history and company structure rather than employment status.
