SPV Mortgages

A Special Purpose Vehicle (SPV) is a limited company set up specifically to hold buy-to-let properties. Many landlords now use SPVs to benefit from tax efficiency and separate personal and business finances. At WIS Mortgages, we specialise in helping clients secure SPV mortgages—with no broker fees.

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Key Benefits

Tax Efficiency:

Mortgage interest is treated as a business expense, which may offer tax benefits depending on your circumstances.

Separate Financial Liability:

Keeps personal and business finances distinct, helping manage risk.

Access to Specialist Lenders:

We work with lenders who actively support SPV applications.

Flexible Income Assessment:

Lenders assess the SPV’s rental income potential, not just your personal income.

No Broker Fees:

We offer our full advice service free of charge, even for limited company buy-to-let applications.

Eligibility Criteria and Requirements.

Who Can Apply?

You may be eligible if you:

Have a UK-registered limited company set up as an SPV
Use the company solely for buy-to-let purposes (SIC codes like 68100, 68209, etc.)
Are a UK resident and company director or shareholder
Have a suitable deposit and acceptable credit profile

What are the Requirements?

Lenders typically require:

An SPV with the correct SIC code for property letting
Company registration documents (Companies House)
Personal and business bank statements
Proof of rental income or forecast (if new)
A deposit of 20%–25%
Personal guarantees from directors in most cases
A clean credit history for directors

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

It’s a buy-to-let mortgage in the name of a limited company set up solely for property investment.

Yes. Many lenders accept new SPVs if directors have property or landlord experience—or strong personal finances.

Typically 20%–25%, though some lenders may require more for complex or high-value applications.

Not always. Some lenders accept first-time landlords, especially with strong credit and income.

An SPV (Special Purpose Vehicle) is a limited company set up solely to hold property, often using a standard SIC code like 68209.

Most lenders require a dedicated SPV for property purchases—using a trading company may reduce lender options significantly.

Yes. You can establish an SPV at any stage before applying, but it must be active and correctly registered with the appropriate SIC code before submitting your mortgage application.

The mortgage is in the company’s name, but you’ll need to sign a director’s personal guarantee in most cases.

Not always. Some lenders accept first-time landlords, especially with strong credit and income.

Often, yes. SPV buy-to-let products may have higher rates and stricter lending criteria, but they offer potential tax efficiencies.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone