Limited Company Mortgage Specialists

Committed to help you reach your goals

Five star mortgage advice

*Completing our form does not affect your credit rating

Complete our quick online form for a FREE quote or call us on 01256 327019

*Completing our form does not affect your credit rating

For a FREE MORTGAGE QUOTE please complete our quick online form or call 01256 327019.

Who We Work With

We have the privilege to access an exhaustive panel of lenders including high street and specialist lenders. Our strong business relationships equip us to cater for all types of client requirements . Whilst servicing Fist Time Buyers, Home Mover’s and Remortgage clients we also cater for Government schemes like shared ownership, and specialist mortgages like adverse credit and Limited Company Buy to let’s.

What are Special Purpose Vehicles (SPV’s)?

Investment in buy to let properties has been increasing for a number of years and the recent tax changes are encouraging many people to consider creating a limited company to benefit from the lower rate of corporation tax as opposed to income tax charged on earnings generated from rental income.

Special purpose vehicles (SPVs) exist for the purpose of buying, letting and selling of property therefore in general, mortgage lenders find this type of company much easier to deal with from an underwriting perspective. Consequently, there are more mortgage options available for SPVs as well as more favourable interest rates.

Typically, most lenders will only consider mortgage applications from SPV’s and will not accept more than four directors.

Whether you are looking to buy your first investment property, or you’re expanding your portfolio, HLSA Financial Services are specialists who can save you time and money by finding the right mortgage for your circumstances.

Steps to arrange your Limited Company/SPV buy to let mortgage

  1. Register as a limited company with Companies House using one or all of the applicable SIC Codes; 68100, 68201, 68209 & 68320.
  2. Get in touch. Call us on 01256 327019 or complete the enquiry form. We will ask you a few questions to see if we can secure a mortgage for you.
  3. We search the mortgage market and get you competitive rates.
  4. We make your mortgage application and sort out all the paperwork (subject to all documents being provided). You can provide the Decision in Principle to the estate agent.
  5. Complete your mortgage.

Our Customer Reviews Speak For Themselves

Mahmut a
Mahmut a
I had a commercial mortgage with HLSA. Zakia was very helpful and responsive from start all the way to the end. She answered all our inquiries in time and chased the lender for us. I will definitely work with her again.
It was an absolute pleasure working with Zakia to purchase our first home. Zakia is extremely knowledgable and professional and always answered our (many, many) questions clearly and quickly. Highly recommended! best Adviser
Lyle Berends
Lyle Berends
Zakia and her wealth of knowledge have facilitated rapid growth of my investment portfolios. Her advice and ability to secure the best rates and deals has allowed me to move fast when deals arise and enabled me to offer with confidence, knowing that Zakia would be there around the clock to get things over the line for me. An example is my last transaction from point of mortgage application to now completion has been less than 3 weeks! I can’t recommend any IFA higher. Thank you for all your help over the years and I look forward to all the future transactions we have planned already. Lyle Berends
Jessica Ferreira
Jessica Ferreira
Zakia has been absolutely fantastic from start to finish. She did all she could to ensure I had the best product and that everything suited my needs in the best way possible. I am super grateful for her assistance in getting me my mortgage and would recommend her to anyone!
Michael Bradley
Michael Bradley
very efficient and very client focussed, it was a nice experience in what can be a stressful process.
Asif Saleem
Asif Saleem
Very professional service and there was clarity and continued support throughout the mortgage process. Definitely would recommend to family and friends as it was a 5 ⭐️ service & experience
Felix Olayinka
Felix Olayinka
HSLA financial Services representative-Zakia was very helpful in my first time mortgage application....prompt reply to my correspondence, affordable charges, excellent service. I can't fault their service from start to collection of the key. Thanks Zakia.
Jock Hawkins
Jock Hawkins
Zakia came very highly recommended to us and rightly so, at every step we were well informed and provided with top quality service. Zakia went above and beyond expectations, incredibly reassuring and some you can really trust. We have recommended and will continue to do so as the service received was excellent. If ever we buy another house, Zakia will be our first and only call for our next mortgage.
Mieke S
Mieke S
Zakia Khalid has been amazing helping getting our property business of to a great start. Supporting us with no less than 6 mortgage applications and all completed in only 10 months. Always very professional and keeping us informed every step of the way. She has been an absolute pleasure to work with and would highly recommend her services.
Steve Curtis
Steve Curtis
We thought we’d struggle to get a mortgage, but Zakia made it all possible, she did an amazing job getting us a mortgage at a brilliant rate, always keeping us informed. We will forever be grateful for her efforts in helping us get on the property ladder, we couldn’t recommend her enough. Absolutely brilliant!!!

*Completing our form does not affect your credit rating

Contact Us For A Mortgage In Principle

Pros & Cons of Limited Company Buy to Let’s


  • Limited company profits are subject to corporation tax at only 20%, reducing to 17% over the next few years, meaning that higher rate taxpayers might benefit from holding long term investment properties in a company structure.
  • Due to the fact that limited companies are separate legal entities, personal liabilities for financial dealings can be ring-fenced.
  • Change of Ownership is easier because the company will own the property – the companies directors or shareholders can be changed.
  • Children can become shareholders of your limited company. This would mean that when the property is sold the proceeds would be distributed between the shareholders. This would still be taxable but not at the same level as inheritance tax.


  • More admin to consider when operating a company structure, which could give rise to an increase in your professional fees.
  • You may pay slightly higher interest rates because choice of products is more restricted for limited companies compared to individual buy to let mortgages.
  • Mortgage lenders will want a “Personal Guarantee” which is you agreeing to be liable for the mortgage debt of the company.
  • Transferring a landlord’s property from an individual’s (or couples’) name to that of the business makes them liable for stamp duty of:

If buying a property through your limited company is something you have been considering, there are many pros and cons to be considered especially in relation to taxation, we highly recommend you seek advice from your Accountant/ tax advisor before making any decisions.

How can HLSA Financial Services Help?

When it comes to Limited Company Buy to Let mortgages, many areas of criteria