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Limited Company BTL Mortgages – Borrow More, Pay Less, Build Smarter
Access 170+ lenders and tax-efficient mortgage options tailored to your company structure
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First-Time Landlord Mortgages
Access 170+ Lenders to Secure the Best Buy-to-Let Deal 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 value expert advice that aligns with their accountant's expectations
Ready to see what I can do for you? Book your complimentary mortgage review today
Common Mistakes Limited Company Landlords Make (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. ICR failures, in particular, are a growing concern for landlords — you can learn more about how they affect your borrowing power in this article. 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.
New to Limited Company BTL? Start with the Right Setup
Setting up your limited company correctly is key to unlocking better mortgage deals, smoother approvals, and long-term tax efficiency. This blog walks you through the 12 most important steps — so you can avoid delays, mistakes, and costly rejections.
Struggling to Secure the Ideal Limited Company Buy-to-Let Mortgage?
The ICR Test Could Be Quietly Blocking You from Borrowing More — Let’s Unpack Why
How to Overcome ICR Limits and Borrow More for Your Portfolio
You’ve found the right property, the rental income stacks up, and on paper, everything looks solid — yet the lender’s offer still comes in lower than expected. Sound familiar?
It’s a common frustration, and it’s usually not your income, credit score, or the property holding things back. The real culprit? The Interest Cover Ratio (ICR) test — a behind-the-scenes calculation that quietly limits how much you can borrow, especially with limited company or SPV buy-to-let applications.
Lenders don’t just look at today’s interest rates. They stress-test your rental income to see if it would still cover the mortgage repayments if interest rates shot up. In other words, your loan amount is based on what your property could afford at a much higher theoretical rate — not what you’re actually paying now.
The result? A smaller loan than you expected. But with expert guidance, tailored structuring, and access to the right lenders, there are ways to work around it — and still get the borrowing you need.
Avoid Growth Limits by Understanding Lender Calculations
Many experienced landlords get declined or offered less than expected because:
The stress rate is can 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.
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.
How I Make Limited Company Buy-to-Let Mortgages Easier – So You Can Borrow More
🔍 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.
Expert Mortgage Advice for Landlords Using Limited Companies
Hi, I'm Lyndsey!
I specialise in helping landlords and company directors secure tax-efficient Buy-to-Let mortgages through limited companies.
Whether you’re setting up your first limited company or already trading through one, I’ll help you structure your mortgage the right way — so you can borrow more, pay less tax, and build your portfolio with confidence.
With over 30 years’ experience and access to 170+ lenders, I know exactly how underwriters assess affordability when company income, rental profits, and ICR tests are involved. I’ll work with your accountant and guide you through every step — giving you a clear path from strategy to successful funding.
You’ll deal directly with me, not a call centre — and I’ll make sure your application is presented clearly, competitively, and with your long-term financial goals in mind.
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Difficulties in Securing Limited Company BTL 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 Limited Company Buy-to-Let Applications
Investing through a limited company can be a smart move, but finding the right mortgage isn’t always straightforward. Some lenders won’t deal with limited companies. Others have tight lending rules. And when you throw in layered company ownership or mixed-income structures—it gets tricky fast.
What I offer:
Direct access to 170+ specialist lenders
Accountant-approved strategies
No minimum income solutions
Not set up your SPV yet?
If you’re still in the early stages of planning or haven’t registered your Special Purpose Vehicle, make sure to check out my simple guide on how to set up an SPV or limited company for Buy-to-Let. It walks you through the structure lenders prefer, helping you avoid costly delays and rejections down the line.
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.
The Limited Company Buy-to-Let Guide
Crafted with input from accountants and tailored for landlords
Real Limited Company Mortgage Success Stories
Case Study 1: Helping a Company Director Secure a Buy-to-Let Mortgage Through a Special Purpose Vehicle (SPV)
👩💼 Client Profile:
Gareth, a company director based in Carmarthenshire, was looking to expand his property portfolio by purchasing a buy-to-let through a newly established Special Purpose Vehicle (SPV). His income was a mix of a low salary, irregular dividends, and retained profits within the business.
⚠️ The Challenge:
• Gareth’s income structure didn’t fit the standard lending criteria used by high-street banks.
• He was unsure how to use his SPV for the mortgage and concerned lenders wouldn’t recognise retained profits.
• Several lenders had already turned him down or offered significantly reduced borrowing limits.
• Time was tight — the property had strong rental potential and was attracting competing offers.
🔍 My Solution:
I assessed Gareth’s income holistically, looking beyond salary and dividends to include retained profits. By accessing my panel of over 170 lenders, I identified a specialist lender comfortable with SPV structures and company director income profiles. I prepared the case with detailed documentation to clearly demonstrate affordability and the SPV’s setup.
✅ Outcome:
• Gareth was approved for the full loan amount at a competitive interest rate.
• The lender accepted his retained profits, enabling him to borrow more than traditional lenders had offered.
• The application was approved quickly, allowing him to secure the property ahead of other buyers.
• Gareth is now growing his portfolio and using the same SPV structure for future purchases.
💬 Client Testimonial:
“When your income doesn’t fit the high-street mould, expert advice makes all the difference. Lyndsey helped me unlock better borrowing through my SPV and secure the property without delay.” – Gareth, Carmarthenshire
Case Study 2: Expert Mortgage Advice Empowers a Buy-to-Let Landlord’s Investment Growth
👩💼 Client Profile:
Our client, a higher-rate taxpayer and experienced professional, owned a portfolio of five Buy-to-Let properties. With solid income and a goal to expand, he sought to remortgage one property—a single unit with four flats under one title—to fund a new investment.
⚠️ The Challenge:
This property structure posed challenges, as many lenders require separate leases for each unit. Additionally, as a higher-rate taxpayer, he needed a solution that maximised tax efficiency and investment return.
🔍 My Solution:
Drawing on my expertise in Buy-to-Let and access to specialist lenders, I identified a provider open to complex property structures. This approach enabled the client to successfully remortgage, unlocking capital for further investment.
✅ Outcome:
With the remortgage secured on competitive terms, he reinvested in his portfolio, increasing his long-term investment potential. He gained confidence and peace of mind, knowing he had a tailored strategy for continued growth.
💬 Client Testimonial:
“Lyndsey’s knowledge of the Buy-to-Let market and access to specialist lenders made all the difference. He helped me navigate a complex property setup and move forward with confidence.” – Portfolio Landlord, West Wales
Making Limited Company BTL Mortgages Simple and Stress-Free — As Approved by Your Accountant
Mortgage Advice in
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.
Trusted Partners for Your Mortgage Needs
Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Compare SPVs, Limited Companies & Portfolio Lending Strategies
As your portfolio grows, it’s important to think ahead. Many landlords start with a single SPV, then expand into more complex structures as their investments scale. Here’s how I can support you:
✅Managing multiple properties or scaling up?
Find out how I help landlords streamline their borrowing and secure better rates as their portfolio grows.
👉 Click here to learn more about Portfolio Landlord Mortgages
🏢Want to explore SPV mortgages?
SPVs offer tax-efficient, lender-friendly options for growing portfolios.
👉 Click here to learn more about SPV Mortgages
📊Not sure which structure fits your goals?
I’ll guide you through the pros and cons of each structure so you can borrow smarter and grow with confidence.
Secure faster approvals and unlock better limited company BTL mortgage deals today
Call me today on 01267 887434 or book your review
West Wales Money Ltd is registered with the Data Protection Act 2018 registration No ZA579253 and is authorised and regulated by the Financial Conduct Authority under Firm Reference No:1005183 an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference No: 786245 and registered with the Data Protection Act 1998 registration No: ZA178200.
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.