Limited company buy to let mortgage comparison and calculator
Use our limited company buy to let mortgage calculator to compare current rates from across the UK market. Review deals side by side, assess monthly costs and find suitable options based on your investment criteria.
You can be confident that the comparison is thorough, as the calculator includes rates from over 80 lenders in the UK, which encompasses the best limited company buy to let mortgage rates in the market right now.
It does not provide a full mortgage illustration and is not a guarantee of the mortgage rate you can secure.
Our team of specialist advisors are on hand to help via live chat or phone, should you have any questions.
Compare limited company buy to let mortgage rates
Our comparison tool is powered by live data, giving you access to products from over 80 UK lenders. Rates are updated twice daily, so you’re seeing a current snapshot of the market rather than generic examples.
You can compare a wide range of mortgage details in one place, including:
- Monthly payments
- Initial rate periods (fixed, tracker or variable)
- Reversion rates
- Total monthly costs
- APRC
- Product and arrangement fees
Alongside rate comparison, the tool also highlights key criteria such as early repayment charges, incentives and maximum applicant age, helping you build a more complete picture of each deal.
Refine your Ltd company mortgage comparison
The calculator includes a range of filters to help you narrow down the most relevant options. You can tailor your comparison based on your investment strategy, whether you’re focused on lower monthly costs, reduced fees or longer-term stability.
The advanced filters of the calculator allow you to:
- Compare by type of rate (fixed, variable, tracker)
- Filter rates by maximum loan to value (LTV)
- Filter rates you look at by monthly cost
- Filter rates by initial rate period
- Input the maximum interest rate you are prepared to consider
- Isolate rates which are flexible on personal income
- Input the maximum arrangement fee you are prepared to pay
How to use the mortgage calculator
To generate your personalised results, enter the following details:
- Borrowing type (remortgage, purchase, first time landlord – whether purchase or remortgage)
- Property value
- Loan amount (how much of the property value you want to borrow, up to a maximum of 85%)
- Mortgage term in years
- Repayment basis (Interest only: where you only pay the lender a fee, “interest”, for borrowing the money and not the lump sum you borrow, so you won’t own the property at the end of the term. Capital repayment: where you pay the interest and the lump sum borrowed, so you will own the property at the end of the term.
- Set what sort of rates you want to compare (lowest rate, no product fee or a balance of low rate and low product fee)
Are mortgage rates higher for limited companies?
Limited company mortgage rates can be higher than standard buy to let mortgages, but not always. Some lenders offer the same rates regardless of the type of applicant and limited company rates are much more competitive now than in the past as the demand is very high, so lenders have to compete for business.
You can choose how you want results displayed — for example, prioritising the lowest initial rate, lowest fees or a balance of both.
The results will provide an instant comparison of available deals based on your inputs.
Understanding limited company mortgage rates
Rates for limited company buy to let mortgages are often slightly higher than those for individual landlords, but this is not always the case. As demand has grown, more lenders have entered the market, improving both pricing and product choice.
Today, rates can be highly competitive, particularly for lower LTV applications and straightforward property types.
The rates available to you will depend on several factors, including:
• Your company structure (typically an SPV - Special Purpose Vehicle)
• Your experience as a landlord
• The number of properties you own
• Rental income and property type
• Loan to value
Speak to a specialist broker
While the calculator is a useful starting point, it doesn’t replace tailored advice. Our specialist broker team can help you interpret the results, understand lender criteria and identify the most suitable option for your circumstances.
We work with a wide panel of lenders and can guide you through the process from initial enquiry through to completion.
If you have any questions about your results, you can get in touch via live chat or phone.
Start your comparison now using the calculator above.
Ready to discuss mortgage interest rates and eligibility?
Frequently asked questions
Landlord investors often look at the lowest rate limited company buy to let mortgage rates as the best available. However, in the current market, mortgage lenders are applying high fees to their lowest mortgage rates. The upfront costs of a high fee does not work for every investment strategy, so comparing fees with rates may get you the best Ltd company btl mortgage rate for your circumstances.
The cheapest Ltd mortgage interest rates currently come with high fees – sometimes 7%-9% of the loan amount. A higher rate with low or no fee is likely to be cheaper over the initial rate period of the mortgage.
Yes, buy to let limited company mortgage rates are commonly available on an interest-only basis. This is a popular choice for landlords looking to maximise monthly income.
