Carmarthen-based, UK-wide service
SPV MORTGAGE ADVICE – OVERCOME LENDER BARRIERS AND BORROW MORE TAX-EFFICIENTLY
Specialist SPV mortgage advice using lender-approved, accountant-aligned structures to overcome ICR limits and unlock higher borrowing
See How Much More You Could Borrow
✔ FCA registered | ✔ Confidential | ✔ No obligation
WHY SPV LANDLORDS STRUGGLE TO BORROW AS MUCH AS THEY SHOULD
Many landlords invest through an SPV expecting smoother borrowing and better tax efficiency. Instead, they find themselves offered less than expected — or declined altogether — without a clear explanation.
Lenders assess SPV applications very differently from personal buy-to-let. Stress testing, affordability assumptions, and internal lender models often restrict borrowing, even when rental income looks healthy and the portfolio is performing well.
This leaves many experienced landlords questioning their figures, injecting more capital than planned, or delaying growth — when the real issue isn’t the investment, but how the application has been structured and where it’s been placed.
This is where most SPV borrowing strategies quietly break down.
HOW LENDER STRESS TESTS AND ICR RULES RESTRICT SPV BORROWING
Many landlords run into problems because:
• Stress rates can be set as high as 7.5%, even if you’re fixing at a much lower rate
• ICR thresholds can reach 170–175%, requiring significantly higher rental income
• You’re asked to reduce borrowing or increase your deposit, even when the numbers feel strong
• Refinancing or expanding your portfolio starts to feel frustratingly out of reach
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 wider financial picture, so your mortgage is structured to satisfy lender criteria, optimise your tax position, and align with your 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.
Specialist Lenders
Use SPV-friendly lenders with flexible stress testing to unlock higher borrowing potential
Limited Company BTL
Align SPV borrowing with accountant-approved tax strategies to support scalable growth
Complex Income
Present dividends, retained profits, and rental income clearly to avoid delays and rejections
TRUSTED BY LANDLORDS AND APPROVED BY ACCOUNTANTS
Real reviews from landlords who receive expert advice aligned with their accountant’s expectations
WHY LANDLORDS AND COMPANY DIRECTORS TRUST ME WITH COMPLEX SPV MORTGAGES
📞 Let’s Talk About Your SPV Strategy
Call: 07508 147884Hi, I'm Lyndsey!
When you’re arranging a mortgage through an SPV, small mistakes can have big consequences — reduced borrowing, higher tax, or stalled portfolio growth.
That’s why many landlords and company directors choose to work with me.
I provide specialist SPV mortgage advice for portfolio landlords across the UK and overseas. With over 30 years’ experience and access to specialist lenders, I help clients structure their borrowing to improve approval outcomes, optimise tax efficiency, and support long-term growth — all in a way their accountant would approve of.
You’ll deal directly with me throughout. I take the time to understand how lenders will assess your case, so your mortgage strategy is built on clarity, not guesswork.
My mission?
To help landlords structure SPV mortgages that borrow smarter, reduce friction, and support sustainable portfolio growth.
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 and secured a remortgage that truly meets my needs!”
— Anthony, Experienced Landlord
The SPV Buy-to-Let Mortgage Guide
Created with accountant input to help landlords set up SPVs correctly from day one
What Happens When You Book a Discovery Call
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 Specialist 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
Discover Better Deals and Higher Borrowing Through Specialist Lenders
Accountant-Approved SPV Mortgage Advice — Built for Long-Term Growth
🏠 SPV Mortgage Expertise
Get one-to-one SPV buy-to-let mortgage advice tailored to your goals — with clear guidance, no jargon, and no pressure.
Book Your SPV Discovery Call
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.