Company landlord profiles

Six company landlord profiles. Six different markets, in practice.

A first-time company landlord and a group structure refinancing twenty properties are not buying from the same lender pool, and not paying the same rate. We treat the differences as the starting point, not an afterthought.

Where does your company sit on the lender panel?

Each profile below maps to a distinct underwriting lane across our 100+ panel, from the specialist SPV lenders who welcome a brand-new company to the portfolio desks and the thinner pools for holiday-let companies and non-resident directors. Whichever one is closest to you, the starting point is the same fee-free 15-minute call.

Profile

First-time company landlord

Profile: Buying rental property number one through a newly incorporated SPV.

Intent: Wants the company set up correctly (SIC codes, shareholding, director's loan deposit) and a lender who accepts first-time landlords in a brand-new company.

Profile

Incorporating landlord

Profile: Holds property personally and is transferring the portfolio into a company.

Intent: Needs the refinance leg of an incorporation: redeeming personal mortgages, new company borrowing at 125% ICR, and coordination with the accountant on capital gains tax, the stamp duty surcharge and incorporation relief.

Profile

Portfolio SPV and group structure

Profile: Four or more mortgaged properties inside one company or a group with a holding company.

Intent: Portfolio landlord underwriting: aggregate stress tests, intercompany loans, cross-company deposits, capital raising for the next acquisition, and lender concentration limits.

Profile

HMO operator in a company

Profile: Runs licensed or Article 4 HMO stock through a limited company.

Intent: Specialist HMO lenders with SPV appetite, room-rate versus commercial valuation methodology, licensing alignment, and refinance after conversion.

Profile

Holiday-let company

Profile: Operates short-term and furnished holiday lets through a limited company.

Intent: The thinner holiday-let lender pool that accepts company borrowers, projection-based income assessment, and occupancy condition rules.

Profile

Expat and foreign-national director

Profile: UK company, but a director who lives abroad or holds a non-UK passport.

Intent: The subset of SPV lenders who accept non-resident directors: identity verification, source-of-funds evidence, currency considerations and the personal guarantee mechanics from overseas.

Enquiry

Speak to a broker

Same-business-day callback. Fee-free initial consultation. Whole-of-market access to our 100+ limited company buy-to-let lender panel.

→Whole-of-market panel: 100+ lenders with limited company appetite.
→Same-business-day callback during office hours.
→Initial consultation always fee-free.

Worked example

A non-regulated buy-to-let mortgage of £200,000 on a property valued at £300,000 over a 25-year term, on a 5-year fixed rate at 5.49% reverting to a variable rate, would have monthly interest-only payments of approximately £915. The capital balance remains outstanding at the end of the term and must be repaid by sale, refinance, or capital repayment from another source. Rates correct as of June 2026. Illustrative only; actual product, rate and fees vary by lender and case.

Lender panel and fees

We have access to a panel of 100+ specialist buy-to-let lenders, including high-street, specialist, and challenger banks. Initial consultation is fee-free. We charge 1% of the loan amount, payable only on successful drawdown. The procuration fee paid by the lender (typically 0.30% to 0.55% on limited company buy-to-let) is taken first; you pay the difference up to 1% only where the lender's proc fee is below 1%. No fee at all if the case does not complete. Exact figures are confirmed in writing before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange non-regulated limited company buy-to-let mortgages only. We do not arrange Consumer Buy-to-Let or other regulated mortgages, if your case falls into the regulated regime we will refer you to an FCA-authorised firm.