--- title: Limited Company Buy-to-Let Mortgages Boost UK Portfolios description: Learn how improved UK buy-to-let mortgages for limited companies help investors boost profits, reduce taxes, and expand property portfolios. image: https://blog.magnateassets.com/hubfs/Buy-to-Let%20Mortgages.png --- [![logo](https://blog.magnateassets.com/hs-fs/hubfs/logo.png?width=216&height=50&name=logo.png "logo")](https://magnateassets.com/) × - [Properties](https://www.magnateassets.com/en/searchresult) - [Off-Plan](https://www.magnateassets.com/en/searchresult?proType=Off-Plan) - [Completed](https://www.magnateassets.com/en/searchresult?proType=Completed) - [High Yield Investing](https://www.magnateassets.com/en/high-yield-investing) - [HMO (Houses in Multiple Occupation)](https://www.magnateassets.com/en/property-hmo) - [Student Accommodations](https://www.magnateassets.com/en/property-student-accommodations) - [Property Sourcing](https://www.magnateassets.com/en/property-sourcing) - [Property Concierge](https://www.magnateassets.com/en/property-concierge) - [Land Options](https://www.magnateassets.com/en/searchresult?proFor=Local&proType=Land%20Options&country=UK) - [Property Bonds (Promissory Notes)](https://www.magnateassets.com/en/property-bonds) - [Buildings](https://www.magnateassets.com/en/searchresult?proType=Buildings) - [Build-to-Rent Projects](https://www.magnateassets.com/en/build-to-rent-projects) - [Equity Investments](https://www.magnateassets.com/en/equity-investments) - [Funding Partnerships](https://www.magnateassets.com/en/funding-partnerships) - [Locations](https://magnateassets.com/en/location) - Resources - [Blog](https://blog.magnateassets.com) - [Podcast/Webinars](https://www.magnateassets.com/en/video-gallery) - [Guides](https://info.magnateassets.com/guides) - Finance, Tax & Legal - [Mortgage Calculator](https://magnateassets.com/en/mortgage-calculator) - [Mortgages & Finance](https://www.magnateassets.com/en/mortgages-and-finance) - [Property Transfer & Legal](https://www.magnateassets.com/en/property-transfer-and-legal) - [Tax Planning and Set up](https://www.magnateassets.com/en/tax-planning-and-set-up) - [UK Immigration Information](https://www.magnateassets.com/en/uk-immigration-information) - [Managing Your Properties](https://www.magnateassets.com/en/managing-your-properties) - [Furniture Packs](https://www.magnateassets.com/en/furniture-packs) - About Us - [Meet the Team](https://www.magnateassets.com/en/meet-the-team) - [Contact Us](https://magnateassets.com/en/contact-us) - [UK Property Investment](https://www.magnateassets.com/en/for-uk-property-investment) - [Developer Partnerships](https://www.magnateassets.com/en/developer-partnerships) # Improving Limited Company Buy-to-Let Mortgages Are Transforming UK Property Portfolios Published by Keith Egan on Apr 24, 2025 There have been some exciting changes in the UK [buy-to-let mortgage](https://blog.magnateassets.com/uk-buy-to-let-mortgage-rates-below-3-percent) sector that are great for landlords using limited companies. These updates open up new opportunities for investors to boost profits and save on taxes.  **Increased Acceptance for Limited Company Mortgages** Coventry Building Society has started offering [mortgages](https://www.magnateassets.com/en/mortgages-and-finance) to landlords with limited companies. They offer competitive fixed-rate deals: 5.36% for two years and 5.59% for five years, both up to 75% loan-to-value (LTV). This is a positive sign that more lenders are embracing limited company structures in property investment.  At the same time, The Mortgage Works (TMW) has adjusted its criteria to better support landlords using limited companies. TMW now accepts applicants who own at least 20% of the company’s shares, even if they are not a director. TMW also lets these companies purchase properties owned by one of their directors, fitting with usual buy-to-let practices.  [![mortgages MA](https://blog.magnateassets.com/hs-fs/hubfs/MACTA.gif?width=1920&height=400&name=MACTA.gif)](https://www.magnateassets.com/en/location/london)   **More Flexibility and Lower Rates ** TMW is further helping [limited company landlords](https://www.landlordtoday.co.uk/breaking-news/2025/04/boost-for-landlords-as-new-lender-enters-limited-company-buy-to-let-market/) by reducing rates on its mortgages. For instance, they now offer a two-year fixed rate at 4.44% with a 3% fee for up to 75% LTV—a cut of 0.45%. Additionally, TMW accepts intercompany loans for deposits, providing more flexibility in financing property purchases.  **Tax Advantages and Strong Returns ** Using a limited company for [property investment](https://info.magnateassets.com/guides) provides significant tax benefits. Profits are typically taxed at corporation tax rates, often lower than personal income tax. Investors can also reduce taxable profits by offsetting mortgage interest against rental income. These benefits allow for reinvestment and significant growth of property portfolios.  By leveraging these tax advantages and improved mortgage options, investors can achieve impressive returns. Building a property portfolio with these mortgages can yield returns exceeding 20%, factoring in capital growth and rental income, even after costs and taxes.  **Setting Up a Limited Company is Simple and Affordable ** Starting a [limited company for property investment](https://theintermediary.co.uk/2024/04/the-mortgage-works-enhances-criteria-for-limited-company-landlords/?utm_source=chatgpt.com) is straightforward and cost-effective. Registration with Companies House can be done online with minimal fees. This simplicity, along with the financial benefits, makes the limited company route appealing to both new and seasoned investors.  **Conclusion ** The evolving mortgage market, with more lenders and improved terms for limited company landlords, presents a timely opportunity for investors. Forming a limited company allows investors to capitalise on tax efficiencies, access [competitive mortgage](https://www.magnateassets.com/en/mortgage-calculator) products, and develop profitable property portfolios. With the right strategy and guidance, achieving significant property investment returns is more accessible than ever.  For personalized advice on forming a limited company and navigating the buy-to-let mortgage landscape, contact Magnate Assets today. Topics: [UK Property](https://blog.magnateassets.com/tag/uk-property), [Real Estate Market](https://blog.magnateassets.com/tag/real-estate-market), [Market Trends](https://blog.magnateassets.com/tag/market-trends), [Rents](https://blog.magnateassets.com/tag/rents) ![Keith Egan](https://blog.magnateassets.com/hubfs/image.png) Written by [Connect on LinkedIn ↗](https://www.linkedin.com/in/keith-egan-a4585613a/) [Keith Egan](https://blog.magnateassets.com/author/keith-egan) Keith Egan has spent 30+ years in senior real estate roles across the UK, Dubai and the MENA region. As Director and Co-Founder of Magnate Group, he leads Magnate Assets focused on UK residential investment, lead generation and digital marketing and the Magnate Investments Division, Magnate's development finance and structured investment arm. Keith specialises in connecting landowners, developers and investors with regulated, technology-driven funding structures and fractional ownership solutions, bridging institutional-grade UK real estate with a wider pool of domestic and international capital. - #### Share: - [![](https://f.hubspotusercontent10.net/hubfs/445465/icon/facebook.svg)](http://www.facebook.com/share.php?u=https://blog.magnateassets.com/uk-property-portfolios-improved-buy-to-let-mortgages) - [![](https://f.hubspotusercontent10.net/hubfs/445465/icon/twitter-sign.svg)](https://twitter.com/share?text=Improving%20Limited%20Company%20Buy-to-Let%20Mortgages%20Are%20Transforming%20UK%20Property%20Portfolios&url=https://blog.magnateassets.com/uk-property-portfolios-improved-buy-to-let-mortgages&hashtags=weareawesome&via=bluleadz) - [![](https://f.hubspotusercontent10.net/hubfs/445465/icon/linkedin.svg)](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.magnateassets.com/uk-property-portfolios-improved-buy-to-let-mortgages) [Back to Blog](https://blog.magnateassets.com) ### Popular Blogs \[UK Property, Real Estate Market, Market Trends, Rents\] - 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