Carmarthen-based, UK-wide service
SPV Mortgage Advice for Directors and Landlords Who Want to Scale Tax-Efficiently
Discover how to borrow more, save tax, and avoid ICR setbacks with accountant approved SPV solutions
Find Out How Much You Could Borrow
✔ Confidential | ✔ No Obligation | ✔ FCA Registered
Access to 170+ Lenders
Discover Better Rates from 170+ Lenders for Your First Property
Limited Company BTL Mortgages
Maximise Tax Efficiency & Secure Better Rates with Specialist Limited Company Mortgages
Mortgages for Complex Income
Get Approved Even with Irregular, Self-Employed, or Multi-Source Income
Trusted by Landlords and Approved by Accountants
Real Reviews from Landlords Who Discover Expert Advice Aligned with Their Accountant’s Expectation
⭐⭐⭐⭐⭐ “Rated 5 Stars – Trusted by SPV Landlords” Real reviews from company directors and experienced investors who’ve used SPVs to secure tailored, tax-efficient buy-to-let mortgage solutions.
Common SPV Mortgage Pitfalls (And How I Help You Avoid Them)
Many Landlords Miss Out on Better Rates Due to:
- ICR (Interest Coverage Ratio) Challenges
- Complex Company Structures
- Limited Lender Options
- Higher Interest Rates
- Stricter Affordability Criteria
- Taxation Considerations
- Personal Guarantee Requirements
- Lack of Flexibility for Portfolio Landlords
- Lengthy Approval Process
- Inconsistent Criteria Among Lenders
These challenges can prevent you from securing the best buy-to-let mortgage rates, limiting your investment growth. By leveraging my connections with specialist lenders, I help you navigate these obstacles, increase your approval chances, and unlock the best rates, ensuring you meet your investment goals and maximise your portfolio’s potential.
🏠 Mortgage Help
Speak to me now about your mortgage — I’m here to help!
Check Your Maximum Borrowing Power NowStruggling to Secure the Ideal Mortgage as a Landlord?
The ICR Test Could Be Quietly Blocking You from Borrowing More — Let’s Unpack Why
Avoid Growth Limits by Understanding Lender Calculations
Many experienced landlords get declined or offered less than expected because:
The stress rate is cam be set as high as 7.5%, even if you’re fixing at 5%
The ICR threshold can be as high 175% — meaning your rental income needs to be much higher
You’re told to increase your deposit or reduce your loan, even when the numbers feel strong
You feel stuck — especially when refinancing or growing your portfolio
Secure Your Next Mortgage by Getting ICR Right
I work with landlords applying through SPVs or limited companies who want clear, strategic advice to overcome borrowing restrictions — particularly when it comes to the challenges of the ICR test.
Alongside lender criteria, landlords using SPVs also need to stay ahead of changing legislation. The Renters Rights Bill could directly affect how you manage your portfolio and meet your obligations as a landlord. [Read my breakdown here].
I don’t just look at what lenders require; I take the time to understand your broader financial picture. That means structuring your mortgage in a way that satisfies lender criteria, optimises your tax position, and aligns with long-term business goals — all in a way your accountant would approve of.
Whether you’re expanding your portfolio or refinancing existing properties, I’ll help you navigate complex lending rules with tailored solutions that make financial sense — not just now, but in the years ahead
Explore Related Landlord Strategies
Already considering an SPV? These topics help complete your strategy and boost your borrowing power.
Interest Coverage Ratio
ICR rules can limit your borrowing. Learn how to meet lender stress tests and keep your plans moving.
Understand ICR →
Portfolio Landlord Mortgages
If you're scaling up with an SPV, learn how to structure your portfolio for long-term growth.
See Portfolio Tips →
Limited Company Buy-to-Let
Want to compare SPV vs standard company? See how lenders view each and the tax impact.
Compare Company BTL →How I Help Portfolio Landlords Borrow More and Stress Less
🔍 Strategic Mortgage Planning Based on Your Income and Assets
I work closely with you to structure your portfolio lending around your actual income setup—whether that’s salary, dividends, rental yield, or profits—so your borrowing potential reflects your real financial position.
🤝 Collaboration with Your Accountant for Smarter Structuring
I liaise with your accountant to ensure the mortgage solution we choose works hand-in-hand with your tax strategy—so you’re not just approved, you’re optimised.
🧠 Experience That Helps You Avoid Delays and Dead Ends
With over 30 years of financial expertise, I know how to navigate tricky lender criteria, avoid unnecessary rejections, and match you with lenders who understand complex portfolios.
Why Landlords & Company Directors Trust Me for SPV Mortgage Advice
📞 Need SPV Advice Today
Ready to discuss your mortgage needs? Call me directly today!
Let’s Talk – Book Your Discovery Call: 07508 147884Hi, I'm Lyndsey!
I offer specialist SPV mortgage advice for portfolio landlords across the UK and overseas — including international investors buying high-value London properties through limited companies.
With over 30 years’ experience and access to 170+ lenders, I secure exclusive buy-to-let deals tailored to SPV structures, complex income, and accountant-approved tax strategies. You’ll get direct access to a trusted specialist who knows how to structure your mortgage to boost borrowing power, overcome ICR hurdles, and grow your portfolio with long-term financial success in mind.
My mission?
Discover how tailored SPV mortgage advice can reduce tax, boost borrowing, and grow your portfolio.
Difficulties in Obtaining SPV Mortgages
Mortgage Solutions That Make Sense — For You and Your Accountant
I structure your application in a way that not only works for the lender but also keeps your accountant happy — especially when it comes to tax efficiency and long-term strategy.
Simplifying SPV Mortgages!
Investing through a limited company can offer significant advantages, but securing the right mortgage can be challenging. Many lenders shy away from limited companies, while others impose strict lending criteria. Add in complexities like layered company ownership or mixed-income structures, and the process becomes even more difficult.
What I offer:
- Access to 170+ lenders, including those who understand complex ownership structures
- Experience with layered companies, holding structures, and non-standard setups
- Strategic advice to maximise tax benefits and long-term returns
- Personal service with clear, no-jargon advice every step of the way
What I offer:
Whether you’re making your first limited company BTL purchase or expanding a large portfolio, I’m here to provide expert guidance.
Call me on 01267 887434 or click below to book your complimentary mortgage review. When you work with me, you’ll have direct access to specialist advice with a human touch.
🏘️ Need SPV Advice
Got SPV questions? I'm just a call away for expert advice.
Ready to Save? Get 1-2-1 Advice TodayNew to SPV Buy-to-Lets? Start Here
Not sure how to set up your SPV for buy-to-let? With lenders tightening their criteria, getting it wrong can cost you time, money, and missed opportunities. This guide walks you through 12 essential steps to help you get it right from day one.
Real SPV Mortgage Success Stories: See What’s Possible
🏡Case Study 1: SPV Mortgage for a Portfolio Landlord with Complex Income
👩💼 Client Profile:
A company director with a growing buy-to-let portfolio.
⚠️ The Challenge:
The client wanted to refinance multiple properties through a Special Purpose Vehicle (SPV) to make their borrowing more tax-efficient. However, they struggled to find a lender who would consider their income structure (a mix of salary and dividends) and the number of properties already held.
🔍 My Solution:
I worked closely with the client’s accountant to present their income in a way that aligned with lender affordability models. We used a lender that accepted SPV applications with no minimum income requirement and supported complex portfolios.
✅ Outcome:
✔ Successfully refinanced £750,000 across several properties
✔ Secured a competitive fixed rate through the SPV
✔ Reduced tax liability and positioned the client for future expansion
💬 Client Testimonial:
“As a company director, I wasn’t sure I’d be able to borrow enough to secure the buy-to-let property I had my eye on. But with Lyndsey’s expert guidance and access to specialist lenders, I secured the higher borrowing I needed. I now own a solid investment property and have a clear strategy in place to grow my portfolio.”
Case Study 2: Smart SPV Mortgage for Tax-Efficient Portfolio Growth
👩💼 Client Profile:
Anthony – an experienced landlord with a portfolio of rental properties and income drawn from both property and limited company dividends.
⚠️ The Challenge:
Anthony wanted to refinance multiple properties through a Special Purpose Vehicle (SPV) to make his borrowing more tax-efficient. However, he struggled to find a lender who would consider his income structure (a mix of salary and dividends) and the number of properties already held.
🔍 My Solution:
I worked closely with Anthony’s accountant to present his income in a way that aligned with lender affordability models. We used a lender that accepted SPV applications with no minimum income requirement and supported complex portfolios.
✅ Outcome:
✔️ £200,000 capital released to fund the purchase of another property
✔️ Lower monthly repayments via a tailored interest-only setup
✔️ £1,200 monthly cash reserve created, improving liquidity
✔️ £2,500+ increase in monthly rental income from the new investment
✔️ A solid financial base to grow his portfolio further without over-leveraging
💬 Client Testimonial:
“Thanks to Lyndsey, he found a lender who worked with my circumstances, securing a remortgage that truly meets my needs!”
— Anthony, Experienced Landlord
The SPV Mortgage Buy to Let Guide
Crafted with input from accountants and tailored for landlords
Making SPV Mortgages Simple and Stress-Free — As Approved by Your Accountant
How to Get SPV Mortgage Advice in Just 4 Simple Steps
📞 Step 1: Book Your Complimentary Mortgage Review
Send an enquiry and I’ll give you a call to understand your situation and what you’re looking to achieve.
🔍 Step 2: I’ll Search Rates from Over 170 Lenders
I compare fixed-rate deals across a wide panel of lenders—so you get a competitive rate that fits your needs and budget.
📝 Step 3: I’ll Handle the Application for You
No stress, no chasing forms—I take care of the paperwork and liaise with the lender on your behalf.
📦 Step 4: Relax While I Keep You Updated
You’ll receive regular updates throughout the process—all the way through to mortgage offer and completion.
🏠 SPV Mortgage Guidance
Looking for expert advice on SPV mortgages? Call now for personalised assistance tailored to your needs.
Need Expert SPV Mortgage Advice? Call Me NowTrusted Partners for Your Mortgage Needs
Discover Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Discover Accountant-Approved Mortgage Advice to Borrow Smarter and Grow Faster
🏠 SPV Mortgage Expertise
Get expert 1-2-1 advice on SPV Buy-to-Let mortgages – tailored to your goals, with no jargon and no stress.
Book Your SPV Discovery Call Today!
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.