Limited Company Property Finance

business, investing · EN

Limited Company Property FinanceThe UK podcast on how landlords fund property inside a limited company. Hosted by Georgina, every episode explains how lenders price and underwrite a company or SPV buy-to-let mortgage, on the structure, the interest cover ratio and the personal guarantee, and walks through the finance behind buying, incorporating, remortgaging, HMOs, bridging and scaling a property company. Practical, current, and grounded in real market data.A company buy-to-let mortgage is not a personal mortgage. It is a loan to a special purpose vehicle, an SPV registered under SIC code 68100 or 68209, that exists only to hold rental property. The company borrows, the rent services the loan, and the directors give personal guarantees. That structure is the answer to Section 24, which removed full mortgage interest relief for higher-rate personal landlords, and it is why a record share of buy-to-let is now bought through a company. Every episode of Limited Company Property Finance