Carmarthen-based, UK-wide service
SPV Mortgages Made Simple – Tax-Efficient Buy-to-Let
Get tailored advice from 170+ lenders – aligned with your accountant’s recommendations.
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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 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.
Struggling to Secure the Ideal Mortgage as a Landlord?
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 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.
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 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.
Specialist SPV Mortgage Advice to Grow Your Buy-to-Let Portfolio
Direct access to expert advice—tailored support for landlords and company directors using tax-efficient SPV structures.
Hi, I'm Lyndsey!
When it comes to SPV mortgages, I understand the unique challenges faced by company directors and landlords. With over 30 years of financial expertise, I provide tailored solutions that not only secure the funding you need but also address key affordability factors like ICR (Interest Cover Ratio) requirements—helping you grow and protect your portfolio with confidence.
By working with accountant-approved SPV structures, I ensure your investments remain tax-efficient and financially robust. My approach gives you access to specialist lenders and competitive deals that support your long-term goals, while proactively managing ICR restrictions to maximise borrowing potential.
You’ll benefit from one-to-one, personalised advice and close collaboration with your accountant—aligning your mortgage strategy with your wider financial plans and giving you a clearer path to expansion.
My mission?
To Simplify SPV Mortgages Simple for Landlords & Directors.
You won’t deal with call centres or impersonal advice here. When you work with me, you get direct access to a specialist mortgage broker who offers expert, one-to-one service—focused entirely on helping you grow your portfolio with the right SPV strategy.
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.
The SPV Mortgage Buy to Let Guide
Crafted with input from accountants and tailored for landlords
Real SPV Mortgage Success Stories: See What’s Possible
Case Study 1: Helping a Director Secure a Buy-to-Let via SPV
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
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: Remortgaging on a Multi-Unit Property and Complex Income Structure
Client Profile:
Anthony – an experienced landlord with a portfolio of rental properties and income drawn from both property and limited company dividends.
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:
✔£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
Testimonial:
“Thanks to Lyndsey, he found a lender who worked with my circumstances, securing a remortgage that truly meets my needs!” — Anthony, Experienced Landlord
Making SPV Mortgages Simple and Stress-Free — As Approved by Your Accountant
How to Get SPV Mortgage Advice in Just 4 Simple Steps
Follow These Four Simple Steps to Secure Your SPV Mortgage:
Book your expert consultation
Get started by making an enquiry, and I’ll call you back to discuss your mortgage needs.Tell me about your goals and setup
I compare rates across a vast network, helping you save both time and money.Receive tailored mortgage options
I handle all aspects of the mortgage application, taking the hassle off your plate.Get a recommendation your accountant will love
Sit back as I keep you informed every step of the way, right up to the moment you receive the keys to your new property.
Trusted Partners for Your Mortgage Needs
Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Secure faster approvals and unlock better SPV mortgage deals—let’s build the right plan for your portfolio structure today
Call me today on 01267 887434 or book your review
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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.