Skip to main content

Limited company buy to let mortgage calculator

Compare limited company buy to let mortgage rates using our calculator.

It provides you with an indication of the interest rate and monthly repayments, as well as listing product fees and benefits.

It does not provide a full mortgage illustration and is not a guarantee of the rate you can secure.

Our team of limited company buy to let mortgage specialists are on hand to help via live chat or phone during office hours, should you have any questions. You can submit an enquiry out of hours and we will get back to you.

Get started now - simply fill in the calculator to begin.

How to use the limited company buy to let mortgage calculator

To see live buy to let mortgage rates for limited companies, which are updated twice daily, put the following details into the calculator:

  • 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.

The rates you will see can include both Special Purpose Vehicle (SPV) mortgage rates (a company set up specifically for property investment), or trading limited company mortgage rates. For specific information on this speak to our advisors.

Calculate monthly costs

Property value required
Loan amount required
Please add mortage term in years
Please select Capital repayment or Interest only
Google logo
Google logo

4.7/5 • 279 reviews

Ready to discuss your limited company mortgage needs? Enquire to get call from an advisor

Frequently asked questions

As with any buy to let mortgage, the rental income being received (if you are remortgaging) or expected to be achieved (if you are buying) impacts how much you can borrow.

Outside of this, the maximum loan to value currently available, when investing through a limited company, is 85% of the property value. Typically, fewer lenders are available when borrowing at the highest loan to value ratios, and more lenders offer mortgages at 80% or 75% loan to value.

If you are struggling to raise a deposit, but have other property you can borrow against, you could look into generating a deposit from available equity.

In general, the requirements set by lenders for securing a limited company buy to let mortgage closely resemble those for an individual buy to let application. The lender evaluates the expected rental income and the property itself using similar criteria, and typically extends a mortgage offer.

The maximum you can borrow is 85% of the property value. The rent you will receive will ultimately affect how much you can borrow, as the rent covers the mortgage payment.

A lender will look for the rent to cover the mortgage plus a percentage. This is to ensure the mortgage remains affordable if your costs rise. This is called ‘rental cover’.

Lenders also apply a ‘stress rate’ to the affordability calculation, to ensure that if mortgage rates rise, your rent will still mean you can cover the mortgage cost.

These measures are applicable to all buy to let mortgage affordability calculations, whether you apply via a limited company or not.

The minimum deposit for a limited company buy to let mortgage is 15% of the property value, but, if you do not have this amount in cash, you may be able to raise a deposit from available equity in other property you own.

Investing in buy to let property using a limited company experienced a notable rise in popularity when tax laws changed. Modifications to the tax regulations in 2017 meant that tax relief on mortgage interest was gradually withdrawn. It was replaced with a flat 20% basic rate relief tax reduction.

Limited company property investments were not affected in the same way, as tax relief on mortgage costs remained. Corporation tax is paid in place of personal income tax. For some investors, this meant that buying property through a limited company was more profitable. Professional tax advice is essential before you decide which route to take.

More information on this subject can be found in our guide “A limited company or personal buy to let - the right choice”.

Getting a limited company buy to let mortgage is as complicated a task as finding any mortgage. There are a large number of lenders and it is difficult to work out – without help – which lender can offer you the most cost effective deal, which also align with your life plans.

Using a broker cuts across all this complexity, because a broker will have a conversation with you to find out what you need, and will do all of the research for you.

The most important factor in securing a buy to let mortgage via a limited company is the rent you will receive. Your personal income is much less of a factor; because the rent covers the mortgage payments, so if the rent is adequate, the lender’s primary requirement is satisfied.

Row of modern terraced houses with shrubs growing in the front gardens