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BTL for Limited Companies & Special Purpose Vehicles (SPVs)

What is it?

We offer buy-to-let finance for property professionals operating under a limited company or special purpose vehicles (SPVs). These mortgages allow investors to either purchase or refinance an existing property, to be let on a residential basis, which is a hot topic due to recent tax changes.


Finding funding to invest in a property as a limited company is a specialist market. At CPC Finance we have a number of lenders who provide mortgages specifically to limited companies for this purpose.

Who is it for?

We can usually provide packages for all types of residential buy-to-lets. As an SPV, your company’s sole activity should be property investment and borrowers should be able to demonstrate a track record in property management. You company should also have the right SIC code.

A recent client success:

A limited company purchased a residential house with outbuildings using a short term loan and converted it into a six bed HMO with one bed annex. Once the works were completed, CPC Finance arranged a long term investment mortgage with a capital uplift to recoup the majority of the clients’ cash outlay for the deposit and works.

Types Of Finance Suitable For Limited Companies

Light and Heavy Refurbishment Short-Term Loans (STL)

If you want to carry out works on the property, you have the choice between light and heavy refurbishment products, which will depend on the number of proposed works to be carried out.

Funding for Works

We work with lenders who can fund not only the purchase, but the works as well. This is subject to the end value and is for experienced clients.

Buy-to-Let (BTL)

If the property you are looking to purchase requires no works to be carried out before letting out, a buy-to-let term loan or House of Multiple Occupation (HMO) term loan would be suitable.

Get in touch to find out more

+44 (0)1923 655441


Top Tips

Limited companies should ensure they have a solid business plan and a clear cash-flow forecast to support their loan application.

Lenders require guarantees and diligence investigations on directors and shareholders of the company in question.

As an SPV, your company’s main focus should be property management or investment. Your company’s SIC code needs to be correct too.

A SIC code (Standard Industrial Classification) identifies the nature of your business. When applying for funding you need to ensure that your business has the correct SIC code.