Specialist SPV Lenders
SPV Mortgage Specialists
Dedicated SPV Advice
If you’ve been declined or offered less than expected, your lender’s criteria could be limiting your borrowing.
Rental income doesn't meet the lender's stress test
Maximum borrowing lower than expected
Portfolio exposure restricting your options
SPV structure doesn't meet lender criteria
Property type outside standard criteria
Deposit or source of funds not accepted
One lender saying no doesn't necessarily mean the deal doesn't work. Different lenders assess SPV mortgages in different ways.
Different lenders use different rental stress tests
Portfolio criteria vary between lenders
Some lenders accept more complex property types
Specialist lenders may offer more flexible criteria
Lenders don't all assess rental income in the same way. Different stress rates and rental cover requirements can produce very different borrowing limits.
👉 Choosing the right lender could make a significant difference to how much you can borrow.
Illustrative example:
Same property. Same rental income. Same assumed stress rate.
Illustrative example only. Actual borrowing will depend on the lender's rental calculation, stress rate, product, property and individual circumstances.
I review the property, rental income, LTV and borrowing required
I compare lender criteria and rental stress testing
Your case is presented correctly from the outset
30+ years’ experience navigating complex mortgage criteria.
Whether you're buying your next investment, refinancing an existing property or growing your portfolio, I can help you explore suitable SPV mortgage options.
Finance your next Buy-to-Let property through a limited company.
Review your existing mortgage and explore alternative lender options.
Mortgage solutions for landlords with multiple investment properties.
Release equity from existing property for investment or other eligible purposes.
Specialist mortgage options for more complex investment properties.
Explore borrowing options to support your next property investment.
Initially capped at £327,000 due to stress testing and lender criteria. After reviewing the case and identifying a more suitable specialist SPV lender, the borrowing increased significantly.
A portfolio landlord remortgaged 12 existing properties within their SPV, raising £1,450,000 in capital to help fund the purchase of a further five investment properties.
30+ years’ experience — helping clients navigate complex mortgage criteria
Access to 170+ lenders — including specialist Buy-to-Let and SPV options
SPV mortgage expertise — understanding rental stress tests, LTV and lender
Portfolio landlord experience — from single properties to growing portfolios
One-to-one advice — deal directly with me from enquiry through to completion
The result? A mortgage strategy matched to your SPV, property and investment plans.
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
Yes — I charge a professional fee for specialist mortgage advice and service
Yes — many Buy-to-Let lenders accept SPV limited companies. I’ll help find suitable options
Not always. I’ll help ensure your SPV structure meets lender requirements before applying
This depends on the property value, rental income, deposit and rental stress tests
Yes — some lenders accept first-time landlords using an SPV, subject to their criteria
We discuss your property and
investment plans.
We review your SPV, property, deposit
and expected rent.
I search for lenders
that match your
circumstances.
You receive a clear
recommendation.
I manage your application through
to completion.
The SPV Buy-to-Let Mortgage Guide
Created with accountant input to help landlords set up SPVs correctly from day one
Speak directly for clear, no-pressure advice
Call Now: 01267 887434Send your details and I’ll get back to you
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Eligibility for a mortgage is subject to status, credit checks, and affordability assessments in accordance with FCA regulations.
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