Jeni Browne, Head of Regulated and Buy to Let Lending hand-picks her top 10 buy to let mortgage rates for Limited Companies
1
4.19% (5.2% APR) 2 year fixed
Key features
- 75% LTV up to £750,000
- 70% LTV up to £1,000,000
- ERCs apply
- No minimum income requirement
- 1.5% arrangement fee
- RTI 125% @ 4.98%
- Purchase and remortgage
Borrower types accepted
- LLPs
- SPV Ltd Co's
Tenants accepted
- Standard ASTs
- Students
Property types accepted
- Ex-council houses
- New builds
- Vanilla buy to let property
2
3.19% (4.5% APR) 3 year fixed
Key features
- 60% LTV up to £1,500,000
- 50% LTV up to £3,000,000
- ERCs apply
- £25k pa minimum income requirement
- 1.25% arrangement fee
- RTI 125% @ 4.50%
- Purchase and remortgage
Borrower types accepted
- LLPs
- SPV Ltd Co's
- First-time buyers
- First-time landlords
- Partnerships
- Individuals
Tenants accepted
- Standard ASTs
- Students
- Housing association tenants
Property types accepted
- Ex-council houses
- Freehold conversions
- Multi-unit properties
- Vanilla buy to let property
3
3.45% (5.2% APR) 3 year fixed
Key features
- 65% LTV up to £2,000,000
- ERCs apply
- £25k pa minimum income requirement
- 1.25% arrangement fee
- RTI 125% @ 5%
- Purchase and remortgage
Borrower types accepted
- SPV Ltd Co's
- First-time landlords
- Professional landlords
- Related transactions
Tenants accepted
- Standard ASTs
- Company lets
- Housing association tenants
Property types accepted
- Vanilla buy to let property
4
3.79% (6.5% APR) 2 year fixed
Key features
- 65% LTV up to £3,000,000
- ERCs apply
- £25k pa minimum income requirement
- 1.5% arrangement fee
- RTI 140% @ 5%
- Purchase and remortgage
Borrower types accepted
- SPV Ltd Co's
- Individuals
Tenants accepted
- Standard ASTs
- Students
Property types accepted
- Vanilla buy to let property
- Multi-units
- Ex-council houses
- Studio flats
- HMOs
5
3.95% (5.4% APR) 3 year fixed
Key features
- 75% LTV up to £500,000
- 70% LTV up to £1,000,000
- 65% LTV up to £2,000,000
- ERCs apply
- £25k pa minimum income requirement
- 1.5% arrangement fee
- RTI 125% @ 5%
- Remortgage at value day one
- Purchase and remortgage
Borrower types accepted
- SPV Ltd Co's
- Individuals
- First-time landlords
- Related transactions
Tenants accepted
- Standard ASTs
- Students
- Company lets
- Housing association tenants
Property types accepted
- Vanilla buy to let property
6
3.99% (5.7% APR) 2 year fixed
Key features
- 75% LTV up to £500,000
- 60% LTV up to £1,000,000
- ERCs apply
- No minimum income requirement
- 1.5% arrangement fee
- RTI 125% @ 5%
- Remortgage at value day one
- Purchase and remortgage
Borrower types accepted
- SPV Ltd Co's
- Individuals
- LLPs
- Related transactions
- Partnerships
- Expats
Tenants accepted
- Standard ASTs
- Students
- Company lets
- Housing association tenants
Property types accepted
- Vanilla buy to let property
- HMOs
- Multi-units
- New builds
- Ex-council houses
- Flats over commercial
- Freehold conversions
7
4.59% (6.2% APR) 5 year fixed
Key features
- 80% LTV up to £3,000,000
- ERCs apply
- £25k pa minimum income requirement
- 1.75% arrangement fee
- RTI 140% @ 5%
- Purchase and remortgage
Borrower types accepted
- SPV Ltd Co's
- Individuals
Tenants accepted
- Standard ASTs
- Students
Property types accepted
- Vanilla buy to let property
- HMOs
- Multi-units
- Ex-council houses
- Studio flats
8
3.79% (5.1% APR) 3 year fixed
Key features
- 75% LTV up to £250,000
- ERCs apply
- No minimum income requirement
- £2,499 arrangement fee
- RTI 125% @ 5.25%
- Purchsae and remortgage
Borrower types accepted
- SPV Ltd Co's
- Related transactions
Tenants accepted
- Standard ASTs
Property types accepted
- Vanilla buy to let property
- New builds
- Ex-council houses
9
3.79% (4.5% APR) 5 year fixed
Key features
- 60% LTV up to £1,500,000
- 50% LTV up to £3,000,000
- ERCs apply
- £25k pa minimum income requirement
- 1.25% arrangement fee
- RTI 125% @ 4.50%
- Purchase and remortgage
Borrower types accepted
- SPV Ltd Co's
- LLPs
- Partnerships
- First-time buyers
- First-time landlords
- Individuals
Tenants accepted
- Standard ASTs
- Students
- Housing association tenants
Property types accepted
- Vanilla buy to let property
- Multi-units
- Ex-council houses
- Freehold conversions
10
3.99% (5.1% APR) 2 year fixed
Key features
- 75% LTV up to £750,000
- 70% LTV up to £1,000,000
- ERCs apply
- No minimum income requirement
- 1.5% arrangement fee
- RTI 125% @ 4.98%
- Purchase and remortgage
Borrower types accepted
- SPV Ltd Co's
- LLPs
Tenants accepted
- Standard ASTs
- Students
Property types accepted
- Vanilla buy to let property
- New builds
- Ex-council houses
To discuss limited company buy to let mortgages further, do get in touch with me or any of our expert mortgage brokers on 0345 345 6788.
You might also like to read:
>> Stress tests: Why you can borrow more via a Ltd Co
>> Investing in buy to let: Trading Ltd Co's versus SPV Ltd Co's
>> Setting up an SPV Limited Company
>> FAQs on buy to let mortgages for limited companies
>> How the restriction of relief on BTL mortgage interest will affect landlords
>> Summer Budget 2015 and the implications for landlords
