Limited Company Buy to Let Remortgage | Maximise Returns with a Strategic Limited Company Remortgage.
As property tax rules evolve and portfolio growth becomes more complex, many landlords are choosing to remortgage their buy-to-let properties under a limited company structure. At Connect Mortgages, we specialise in helping landlords unlock competitive rates, manage tax efficiently, and scale their portfolios through innovative remortgaging strategies tailored to special purpose vehicles (SPVs).
Whether you’re moving from a personal mortgage or refinancing an existing limited company buy-to-let, our experts provide fully regulated advice and access to over 200 lenders and providers, including those offering exclusive limited company deals. Visit our blog on Limited Company Buy-to-Let Tax Benefits to learn more.
Why Remortgage Under a Limited Company?
Remortgaging into a limited company can bring distinct benefits for professional landlords and portfolio investors. These include:
- Improved tax efficiency through potential access to complete mortgage interest relief and reduced personal income tax liability
- Separation of personal and business assets, offering more transparent accounting and legal structure
- Flexible ownership options, including shared directorship and succession planning benefits
- Access to specialist lenders is not available on the high street
Explore more about how landlords are navigating this shift on our Buy-to-Let Portfolio Mortgages page.
Who Should Consider a Limited Company Remortgage?
Limited company remortgages are ideal for:
- Portfolio landlords with four or more properties
- Investors aiming to expand while managing tax exposure
- Landlords with properties already held under an SPV structure
- Those transferring personally held property to a company for long-term planning
Each case requires careful analysis to ensure compliance with mortgage affordability rules, FCA guidelines, and individual lender criteria. Our advisers assess your situation and recommend compliant, tailored solutions that align with your long-term strategy.
Our Process: Simple, Expert-Led, and FCA-Regulated
At Connect Mortgages, we offer a seamless end-to-end service:
- Initial consultation to understand your company structure and portfolio goals
- Tailored lender search using our whole-of-market access
- Affordability and rental yield assessment to meet lender criteria
- Application submission and case management, supported by our in-house underwriters
- Completion and review, ensuring your mortgage is future-proofed
All advice is provided under FCA regulation, ensuring full transparency, clear documentation, and protection throughout the process. You can learn more about our approach on the About Us page.
Key Considerations Before You Remortgage
Before remortgaging your limited company buy-to-let, be aware of:
- Arrangement fees, early repayment charges, and legal costs
- Portfolio stress testing, where lenders assess overall rental income and liabilities
- Company structure checks, as many lenders only accept SPVs with standard SIC codes
- Loan-to-value (LTV) limits, typically 75% or less for limited company products
Use our Mortgage Calculators to get an instant estimate, or speak with an adviser to receive a fully tailored affordability assessment.
Why Choose Connect Mortgages?
Since 1998, Connect Mortgages has helped thousands of landlords and property investors secure the best rates for their goals. We offer:
- Specialist experience in buy-to-let remortgaging under company names
- Direct access to lenders offering limited company deals
- A dedicated adviser for portfolio planning and tax efficiency
- No obligation consultations and transparent advice, always in line with regulatory standards
Browse our Client Reviews to see what landlords like you have to say.
Get Expert Help Today
If you’re considering a limited company buy-to-let remortgage, our experienced team is here to help. We’ll guide you through every step, from selecting the right lender to completing your remortgage efficiently and compliantly.
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