UK coverage · London

Limited Company Buy-to-Let Mortgages in London, from a specialist whole-of-market broker

London is a region of the United Kingdom. LimitedCompanyPropertyFinance.co.uk arranges limited company buy-to-let mortgages throughout London region. Across the 5 towns we cover in the region, the median sold price is £460,000 and the average gross yield is 4.82% (HM Land Registry sold prices, ONS rents).

Advice from

Matt Lenzie · 25+ year career banker (Bank of Scotland, Lloyds Banking Group). £300m+ raised for property clients.

25+ year career banker (Bank of Scotland, Lloyds Banking Group). £300m+ raised for property clients.

Founder profile →

Counties covered

Town markets covered

£460,000

Median sold price, covered towns

4.82%

Average gross yield

37,987

Sold transactions, 12 months

Sources: HM Land Registry sold prices, ONS Price Index of Private Rents. Figures aggregate the 5 towns listed below.

The geography that shapes where tenants live here, the River Thames, the City of London financial district and Canary Wharf, is the same geography surveyors and lenders price every week, and our casework runs across all of it.

County markets we cover across London region

Greater London

4.82% avg gross yield

5 towns · £460,000 median price · £1,813/mo median rent

Products

Company buy-to-let products in London region

The product set is the same across the region: purchase and remortgage for SPVs, portfolio refinance, HMO and multi-unit, bridge-to-let, and the refinance leg when landlords move personally held property into a company. Lenders assess company borrowers at a 125% interest cover ratio rather than the 145% applied to higher-rate personal borrowers, so the same rent supports more borrowing inside the company, an advantage that matters most where yields are tightest.

We arrange every structure across our 100+ lender panel. How the product works · Compare company vs personal · See the panel.

Rental market

The London private rental sector

Across the London towns we cover, an average of 26.96% of households rent from a private landlord (ONS Census 2021), above the UK-wide figure of around 19%. Median monthly rent across those towns is £1,813 (ONS Price Index of Private Rents), against a £460,000 median sold price, which is what produces the region's 4.82% average gross yield. The strongest county averages sit in Greater London; each county page below breaks the figures down town by town.

Frequently asked questions

Can an SPV buy property anywhere in London?

Yes. A special purpose vehicle registered at Companies House under SIC code 68100 or 68209 can hold a buy-to-let mortgage on property anywhere in London, and lender appetite does not stop at county lines. We arrange company buy-to-let across all 5 towns we cover in the region, spanning 1 county. What changes from market to market is the arithmetic, median prices and rents move the maximum loan, not the lender's willingness to lend.

Which London counties have the strongest yields for company landlords?

Across the towns we cover, the strongest average gross yields in the region are Greater London at 4.82% (derived from HM Land Registry sold prices and ONS rents). Higher yields mean the 125% company interest cover ratio is met with more room, which usually translates into full 75% loan-to-value being available rather than rental cover binding first.

How much deposit does a property company need in London region?

Most limited company buy-to-let lenders cap loan-to-value at 75%. On the £460,000 median sold price across the London towns we cover (HM Land Registry sold prices), that points to a deposit of around £115,000. The deposit usually enters the company as a director's loan, documented so the lender can see its provenance, and repayable to you tax-free as the company's cash allows.

Do lenders price London differently from the rest of the UK?

Not by region. Limited company buy-to-let pricing is driven by loan-to-value, property type, the company's profile and the rental cover, not by which region the property sits in. Specialist SPV lenders such as Paragon, Kent Reliance, Fleet Mortgages, Foundation Home Loans quote on the same criteria nationwide. Where the region does matter is the valuation: local sold prices and achievable rents set the numbers the underwriter works from, which is why every town page below carries its own market data.

Enquiry

Speak to a broker about a London purchase

Fee-free 15-minute call to scope the case, whole-of-market access to 100+ lenders, same-business-day callback.

→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.