Buy to let mortgages for limited companies
We specialise in buy to let mortgages for limited companies, including Special Purpose Vehicles and trading companies.
This page is for landlords and mortgage customers. If you're an intermediary, please visit our mortgage intermediary page.
If you're a new customer looking for a mortgage, please contact your broker. They'll be able to discuss your personal circumstances to help you find the right mortgage. You can find a mortgage broker by searching online or by asking friends and family for personal recommendations.
We specialise in buy to let mortgages for limited companies, including Special Purpose Vehicles and trading companies.
Landlords can hold a portfolio up to £5m with us and we don't set background portfolio limits.
We support our portfolio landlords every step of the way with a team of regional Landlord Specialists across the country.
Our experienced underwriters assess every application on its own merits and always look for ways to say 'yes'.
The Landlord Partnership team delivers a tailored service for landlords with 8+ Aldermore properties or over £1 million in lending. You will have a dedicated Landlord Specialist, skilled in helping you manage and grow your portfolio. Your Landlord Specialist will conduct annual portfolio reviews to uncover opportunities for growth, and always seek ways to help you expand and optimize your investments.
For existing landlords with 8+ properties with Aldermore who’d like to get in touch with a regional Landlord Specialist, please view our regional map for contact details.”
The benefits of owning property through a limited company structure include:
You can read all about the pros and cons of being a limited company buy to let landlord in our blog.
You can read all about the pros and cons of being a limited company buy to let landlord in our blog.
Special Purpose Vehicles are set up for one specific purpose or transaction, usually to isolate financial risk. In the mortgage world, a Special Purpose Vehicle is a company which is set up just to hold property and do nothing else. However, an SPV can become a trading company once the initial purpose has run its course or they enter into other trading, for example turnover/income from other purposes such as third party management, contracting and development
Within mortgage lending, a trading company is one that has a primary activity other than owning property. This is a company which trades in business sectors other than property ownership/management or where an SPV has moved on from its initial reason of set up or single trade.
We lend to both Special Purpose Vehicles and Trading Companies.
No, we lend to newly incorporated companies as well as more established limited companies.
We know it can be difficult and time consuming managing a large buy to let property portfolio, that's why we've made life easier.
Combine up to 30 properties on one application, meaning one affordability stress test across the whole portfolio, one review date on product maturity, one set of documents, one monthly payment and a single direct debit.
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Subject to status. If you fail to keep up with payments on your mortgage a ‘receiver of rent’ may be appointed and/or your rental property may be repossessed.