Limited Company Buy To Let Mortgage Rates

Access the best limited company buy-to-let mortgage rates, with rates up to 85% from the UK’s leading BTL lenders.

Limited company rates for new SPV’s and existing trading businesses. We work with first-timeand experienced landlords to find the best limited company mortgage deals.

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    SPV Limited Company Rates

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    Trading Businesses Accepted

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    Up To 85% Loan To Value

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    Home 9 buy-to-let-mortgages 9 limited-company-buy-to-let-rates

    Compare The Latest Limited Company Buy-To-Let Mortgage Rates

    (updated – 24/06/2024)

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    To find out about hundreds more Limited Company Buy-To-Let rates call us on 01604 212879, or request a quote below

    Limited Company Buy To Let Mortgage Rates

    What Limited Company rates do we show?

    Top 5 Best Cost Ltd Company BTL Rates – We show the top 5 best cost limited company rates based on the actual cost over the initial rate period, inclusive of any lender arrangement fee. These deals typically offer the best value.

    The Top 3 Lowest Rates – The rates shown are the lowest rates available, but these come with high lender fees.

    Bank Of England Base Rate:

    5.25%

    (next review due 01st August 2024)

    Looking for Commercial Rates?

    The following Limited Company rates are selected based on being the lowest overall cost over the 2 or 5 year initial product period when taking lender fees into account.

    2-Year Fixed Ltd Company BTL Rates

    Top 5 Best 2yr Limited Company Rates

    BEST TRUE COST OVER 2-YEARS

    2-year fixed @ 2.87% - (7% fee)

    • APRC -9.60%
    • Lender Fee – 7%
    • Maximum LTV – 55%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 4.76% - (5% fee)

    • APRC – 9.60%
    • Lender Fee – 5%
    • Maximum LTV – 55%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 5.89% - (1.25% fee)

    • APRC – 9.90%
    • Lender Fee – 1.25%
    • Maximum LTV – 75%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 6.29% - (£999 fee)

    • APRC – 8.20%
    • Lender Fee – £999
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.20%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 6.04% - (£1999 fee)

    • APRC – 8.00%
    • Lender Fee – £1999
    • Maximum LTV – 75%
    • Standard Variable Rate – 7.80%
    • Early Repayment Charges – Yes, during the initial rate period

    5-Year Fixed Ltd Company BTL Rates

    Top 5 Best 5yr Limited Company Rates

    BEST TRUE COST OVER 5-YEARS

    5-year fixed @ 5.44% - (£1999 fee)

    • APRC – 7.30%
    • Lender Fee – £1999
    • Maximum LTV – 75%
    • Standard Variable Rate – 7.85%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 5.64% - (NIL Fee)

    • APRC – 7.30%
    • Lender Fee – NIL
    • Maximum LTV – 65%
    • Standard Variable Rate – 8.25%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 5.39% - (£3499 fee)

    • APRC – 7.70%
    • Lender Fee – £3499
    • Maximum LTV – 60%
    • Standard Variable Rate – 8.39%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 4.85% - (5% Fee)

    • APRC – 7.70%
    • Lender Fee – 5%
    • Maximum LTV – 65%
    • Standard Variable Rate – 8.35%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 4.89% - (5% fee)

    • APRC – 6.90%
    • Lender Fee – 5%
    • Maximum LTV – 60%
    • Standard Variable Rate – 8.04%
    • Early Repayment Charges – Yes, during the initial rate period

    2-Year Tracker Ltd Company BTL Rates

    Top 5 Best Ltd Company Tracker Rates

    BEST TRUE COST OVER 24 MONTHS

    2-year tracker @ 5.74% - (3% fee)

    • APRC – 9.00%
    • Lender Fee – 3%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.99%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 0.49% above the Bank of England base rate, currently 5.25% for 2 years.

    2-year tracker @ 6.44% - (2% fee)

    • APRC – 10.20%
    • Lender Fee – 2%
    • Maximum LTV – 75%
    • Standard Variable Rate – 10.21%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year tracker @ 5.99% - (3% fee)

    • APRC – 8.70%
    • Lender Fee – 3%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.50%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 0.74% above the Bank of England base rate for 2 years.

    2-year tracker @ 6.39% - (3% fee)

    • APRC – 8.30%
    • Lender Fee – 3%
    • Maximum LTV – 65%
    • Standard Variable Rate – 7.94%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 1.14% above the Bank of England base rate, currently 5.25% for 2 years

    2-year tracker @ 5.49% - (5% fee)

    • APRC – 9.10%
    • Lender Fee – 5%
    • Maximum LTV – 65%
    • Standard Variable Rate – 8.74%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 0.24% above the Bank of England base rate, currently 5.25%, for 2 years.

    To learn more about limited company buy-to-let rates and for expert free mortgage advice, call us now on 01604 212879 or:

    The rates shown below are the lowest limited company BTL rates available. These rates come with high lender arrangement fees, and typically do not offer the best deal over the initial product period.

    2-Year Fixed Limited Company Rates

    Top 3 Lowest 2-year Rates

    2-year fixed @ 2.87% - (7% fee)

    • APRC – 9.60%
    • Lender Fee – 7%
    • Maximum LTV – 55%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 3.09% - (9.99% fee)

    • APRC – 10.50%
    • Lender Fee – 9.99%
    • Maximum LTV – 55%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    2-year fixed @ 3.14% - (9.99% fee)

    • APRC – 10.60%
    • Lender Fee – 9.99%
    • Maximum LTV – 55%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    5-Year Fixed Limited Company Rates

    Top 3 Lowest 5-year rates

    5-year fixed @ 4.15% - (9.99% fee)

    • APRC – 9.10%
    • Lender Fee – 9.99%
    • Maximum LTV – 70%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 4.21% - (9.99% fee)

    • APRC – 9.10%
    • Lender Fee – 9.99%
    • Maximum LTV – 70%
    • Standard Variable Rate – 10.24%
    • Early Repayment Charges – Yes, during the initial rate period

    5-year fixed @ 4.62% - (7% fee)

    • APRC – 8.60%
    • Lender Fee – 7%
    • Maximum LTV – 55%
    • Standard Variable Rate – 9.75%
    • Early Repayment Charges – Yes, during the initial rate period

    2-Year Tracker Limited Company Rates

    Top 3 Lowest Tracker Rates

    2-year tracker @ 5.49% - (5% fee)

    • APRC – 9.10%
    • Lender Fee – 5%
    • Maximum LTV – 65%
    • Standard Variable Rate – 8.74%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 0.24% above the Bank of England base rate, currently 5.25%, for 2 years.

    2-year tracker @ 5.74% - (3% fee)

    • APRC – 9.00%
    • Lender Fee – 3%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.99%
    • Early Repayment Charges – Yes, during the initial rate period
    • A variable rate which is 0.49% above the Bank of England base rate, currently 5.25% for 2 years.

    2-year tracker @ 5.99% - (3% fee)

    • APRC – 8.70%
    • Lender Fee – 3%
    • Maximum LTV – 75%
    • Standard Variable Rate – 8.50%
    • Early Repayment Charges – Yes, during the initial rate period

    To find out more about the limited company rates shown and other rates available, call us on 01604 212879 or:

    Call Us

    Call us on 01604 212879 and speak to a Buy-To-Let mortgage expert

    Email Us

    If you would prefer to email and explain your situation in more detail, email us at:

    enquiry@adeptmortgages.co.uk

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    Use our call back form to request a call back and we’ll be in touch

    Find out more about Limited Company Mortgages with our helpful guide

    If you would like to find out more about limited company buy-to-let mortgages, you might want to read our limited company guide, where you can learn more about:

     

    • Limited Company Criteria
    • Deposit and Income requirements
    • How to set up and structure your limited company.
    Row of 4 houses

    For Commercial mortgages – please visit our Commercial mortgage rates page

    For HMO mortgages – please visit our HMO rates page

    To understand how much you can borrow using any of the rates above, visit our rental stress calculator. 

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    Need to know if the numbers work? Use our range of calculators to find out..

    Understanding the numbers for any property investment is essential, and our range of helpful calculators will help you know them better. 

     

    • Calculate your monthly payments, with and without lender fees added
    • Calculate buy-to-let stress tests and how this could impact potential loan amounts.
    • Calculate the rental income required to achieve a desired loan amount.

    Expert Advice, At No Cost, With No Obligation.

    We simplify buy to let mortgages, helping first time and experienced landlords get the best buy to let deals, whilst saving hundreds of pounds in fees.

    Call us for a free, quick, no obligation buy to let review.

    Lending To SPV Limited Companies

    We’re here to help individual and limited company landlords get the best buy to let deals. Limited Company borrowing available for both newly formed and existing SPV companies. 

    Non SPV Limited Companies

    Whilst most buy to let lenders will only lend to SPV limited companies, we understand its not always the set up you require. We have access to several lenders that can lend to non SPV limited companies.

    Complex Company Structures

    Access to lenders that can assist with complex limited company structures, such as multi-layered companies, multiple directors and shareholders. Call us today to see how we can help.

    Limited Company Buy To Let Mortgage News & Updates

    18/06/2024 - Foundation Home Loans Release Limited Edition Product

    FHL has released a new limited edition 2-year fixed limited company BTL product.

    • 5.89% 2-year fixed rate (APRC 9.90%)
    • Available to 75% LTV
    • 1.25% lender arrangement fee (can be added to the loan)
    • £199 Booking Fee
    • Available to SPV Limited Companies – standard BTL properties only

    30/05/2024 - Fleet Mortgages reduces rates on limited company BTL range

    Leeds Building Society Updates Limited Company Rates
    Key Product Updates

    • New 2 and 5-year Ltd. Co. BTL products introduced.
    • Selected fixed rates withdrawn.

    Limited Company – 5-year fixed rate @ 6.04% with Nil Product Fee – Up to 75% LTV (APRC 7.90%)

    17/05/2024 - Fleet Mortgages reduces rates on limited company BTL range

    From Friday 17th May 2024, Fleet Mortgages are reducing the rate of their 65% LTV Standard 5-Year Fixed Rate products. In addition, they are launching two new 65% 5-Year Fixed Rate products in their Limited Company BTL range.

    Full details below:
    • New: 65% LTV Limited Company 5-Year Fixed Rate product with a zero product fee
    • New: 65% LTV Limited Company 5-Year Fixed Rate product with a fixed £1,999 fee (maximum loan size of £300k)
    • Rate reduction: Their 65% LTV Standard 5-Year Fixed Rate products will decrease by 20bps

    10/05/2024 - Kensington Mortgages New Ltd Company Rates

    Effective from 10th May, Kensington Mortgages has released a new range of 5-year fixed rate limited company buy to let products, with rates starting from 4.69% with a 5% fee, and 5.44% with a flat fee of £1999. Further products available.

    08/05/2024 - TMW Increases limited company rates

    From today, Wednesday 8 May, TMW will be increasing selected rates on their Limited Company New Business 5 year fixed products. All other New Business products remain unchanged.

    They are also increasing selected rates across their Switcher product ranges.

    06/05/2024 - TMW enhances limited company criteria

    The Mortgage Works (TMW) are now accepting Limited Company applications where the company:

    • is purchasing a property, currently owned and lived in by one of the Directors, and
    • will use the property as a Buy to Let.

    This is similar to Let to Buy transactions for standard Buy to Let cases. But, unlike traditional Let to Buy, there are no specific products. 

    21/03/2024 - FHL Launch Limited Edition Product

    NEW BTL 2 Year Fixed Limited Edition Rate for limited companies
    As of today, Wednesday 20th March, we have launched a brand new Limited Edition BTL fixed 2-year rate available to limited companies.

    New Limited Edition Buy to Let fixed product:
    • 5.79% fixed for 2 years
    • F1 range
    • 1% product fee
    • Up to 75% LTV
    • Maximum loan of £1.5m
    • limited companies

    29/02/2024 - HTB Launches new tracker flex mortgages

    Available for limited company borrowing, Flex is designed to give investors and developers increased flexibility in the short-term, offering all the benefits of a tracker mortgage but with the ability to sell the property, or lock-into a fixed term with HTB, within the two-year discount period and without incurring early repayment charges.

    Clients will have three options:

    • Track: The two-year discounted rate enables borrowers to take advantage if interest rates are reduced.
    • Fix: Borrowers can swap onto a HTB new business fixed rate at any time, at no charge. If this is within the two-year discounted period, the ERC on that product will be waived.
    • Sell: If the borrower wishes to sell the property during the two-year discounted period, the ERC will again be waived

    20/02/2024 - Paragon Bank New Limited Edition Products

    NEW LIMITED EDITION PRODUCTS
    Paragon are excited to announce a brand new range of limited edition products!

    Available up to 65% LTV, these 5 year fixed rates start from just 4.65%, with both 5% and no product fee options available.

    These limited edition products are available for purchase and remortgages, and all come with free mortgage valuations and no application fees!

    19/01/2024 - Precise Mortgages release reduced limited company buy to let products

    Withdrawing their limited edition buy to let range and rolling equivalent reduced price products into the core range.
    Replacing the core buy to let new business range with new lower rates.

    15/12/2023 - Paragon Bank reduces 5-year fixed rates

    Starting from 5.80%, these products all benefit from free valuations and no application fees, some also offering £750 cashback!

    Find out more about buy to let mortgages

    Read more about buy to let mortgages with bad credit

    Learn more about Interest Only Buy To Let Mortgages

    Find out more about Let-To-Buy Mortgages