The Mortgage Works Enhances Accessibility of Limited Company Buy-to-Let Mortgages
As the demand for limited company property investment continues to grow, The Mortgage Works (TMW) has responded with a significant update to its Buy-to-let (BTL) lending criteria, providing greater flexibility for landlords and property investors structuring their portfolios through a limited company.
Greater Flexibility in Company Structures
Previously, TMW required all applicants for limited company BTL mortgages to be company directors. In a key change, applications will now be accepted where at least one applicant is a shareholder, holding a minimum of 20% of the company's shares. This update opens the door for a broader range of corporate structures, offering landlords more choice in how they build and manage their property investments.
This move reflects both broker feedback and the changing needs of investors, particularly those building long-term portfolios through Special Purpose Vehicles (SPVs) or similar limited company setups.
Key Features of The Mortgage Works' Limited Company BTL Offering
Alongside the updated criteria, The Mortgage Works continues to provide a comprehensive and competitive BTL product range, with features that cater to both new and experienced landlords:
- Choice of 2-year and 5-year fixed rates, plus a 2-year tracker, all with free standard valuations
- Lending up to 80% Loan to Value (LTV)
- Open to first-time, experienced, and portfolio landlords
- Intercompany loans accepted as a valid deposit source
These features make TMW's offering one of the more flexible and accessible options in the limited company BTL space, particularly useful for investors looking to scale or restructure.
Why Professional Advice Still Matters
With criteria evolving and product options growing, choosing the right limited company buy-to-let mortgage can be complex. The best outcomes often come from working with a mortgage consultant who understands nuances of the market and your long-term goals.
Our experienced team is here to help. We provide personalised advice to help you navigate product options, eligibility requirements, and structuring decisions with confidence.
Get in contact with us to book a consultation with one of our specialists. Whether you're refinancing, expanding your portfolio, or entering the market for the first time, we're here to guide you through.
The information contained within was correct at time of publication but is subject to change.
Your mortgage is secured on your property. Your property mat be repossessed if you do not keep up repayments on your mortgage.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority
Source: The Mortgage Works
