--- title: "Limited Company Buy to Let" description: "See how a limited company buy to let purchase went from submission to mortgage offer in just 3 days, using an SPV mortgage." url: "https://mortgagelane.com/case-studies/limited-company-buy-to-let-fast-offer" site: "Mortgage Lane" collection: "case-studies" date: "2026-09-16" author: "Seren Norton" category: "Case study" reviewed: "2026-10-15" reading_time: "4 min" byline: "Seren Norton" author_credentials: "CeMAP · FCA authorised firm" language: "en-GB" robots: "index,follow" --- # Limited Company Buy to Let See how a limited company buy to let purchase went from submission to mortgage offer in just 3 days, using an SPV mortgage. See how a limited company buy to let purchase went from submission to mortgage offer in just 3 days, using an SPV mortgage. ## Case study Speak to a Mortgage Lane adviser about your options. ## In short Mortgage Lane took a limited company (SPV) buy to let purchase from submission to formal mortgage offer in 3 days, on a gross loan of £67,500. The purchase price was £90,000 against a property valuation of £100,000. The case was placed with a lender experienced in underwriting SPV mortgages, and the full set of SPV documentation was gathered and submitted upfront. ## Limited company buy to let: mortgage offer in just 3 days Our client was buying a property through a limited company rather than in a personal name, a route increasingly used by landlords, but one that lives or dies on finding a lender genuinely set up for it. On top of that, they needed the case to move fast. We took the application from submission to formal [SPV mortgage](https://mortgagelane.com/insights/spv-mortgage-rates) offer in just 3 days, against a purchase price already sitting £10,000 below the property’s valuation. ## Case overview *Case overview* | Detail | Summary | | --- | --- | | Structure | Limited company (SPV) buy to let | | Purchase price | £90,000 | | Property value | £100,000 | | Gross loan | £67,500 | | Time to offer | 3 days from submission | ## The scenario Our client structured the purchase as an SPV (special purpose vehicle) transaction through a limited company, rather than buying in a personal name. The purchase price was £90,000, against a property valuation of £100,000. That meant built-in equity from day one, but the deal still needed a lender comfortable with both the company structure and the below-market purchase price. ## The challenges 1. **Lender fit for SPV structure.** Not every lender treats limited company applications the same way as a personal-name purchase. The case needed a lender genuinely geared up for SPV underwriting, not one where the structure would slow the process down. 2. **A fast turnaround requirement.** The client needed the application to move quickly, in a market where SPV cases often take longer than personal-name applications to reach offer. 3. **Below-market purchase price.** With the purchase price sitting £10,000 below the property’s valuation, the case needed a lender comfortable that the price reflected genuine value, not a distressed or undervalued sale. 4. **Standard SPV documentation requirements.** Limited company applications typically require company accounts, memorandum and articles of association, and director identification alongside the usual mortgage paperwork, all of which needed gathering and submitting without adding delay. ## The solution We placed the case with a lender experienced in underwriting [SPV mortgages](https://mortgagelane.com/insights/spv-mortgage-rates), rather than one for whom limited company applications are an exception to standard process. That fit meant the below-market purchase price and company structure were assessed efficiently rather than triggering extra rounds of queries, and the full set of SPV documentation was gathered and submitted upfront to keep the case moving. ## The outcome Working with a lender geared up for limited company buy to let lending, the case moved from submission to formal mortgage offer in only 3 days, considerably faster than the standard turnaround landlords often expect on an SPV application. ## Buy-to-let calculator Estimate one property at a time. Portfolio-wide underwriting is assessed separately. Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments. ## Frequently asked questions **Is it faster to get a mortgage through a limited company than personally?** Not automatically: speed depends on the lender rather than the ownership structure itself. Choosing a lender experienced in underwriting [SPV mortgage](https://mortgagelane.com/insights/spv-mortgage-rates) applications, as in this case, can bring offer turnaround down to just a few days. **Why do landlords buy property through a limited company?** Common reasons include the tax treatment of mortgage interest and rental profit within a company structure, and the ability to build a portfolio under a single legal entity. It’s worth taking independent tax advice, as the right structure depends on individual circumstances. > [!IMPORTANT] > Further reading > > Current rates and lending criteria for limited company purchases are on our [SPV mortgage rates](https://mortgagelane.com/insights/spv-mortgage-rates) page. ## Related case studies - [2026](https://mortgagelane.com/case-studies/auction-bridging-loan-holiday-let)Case study[Auction Holiday Let](https://mortgagelane.com/case-studies/auction-bridging-loan-holiday-let)See how a rural property won at auction below market value was bridged for a future holiday let, reaching offer in just 15 days.[Read more about Auction Holiday Let](https://mortgagelane.com/case-studies/auction-bridging-loan-holiday-let) - [2026](https://mortgagelane.com/case-studies/buy-refurb-refinance-bridging-to-mortgage)Case study[Buy, Refurb, Refinance](https://mortgagelane.com/case-studies/buy-refurb-refinance-bridging-to-mortgage)See how an unmortgageable property was bought with bridging finance, refurbished and refinanced into a cash-flowing investment.[Read more about Buy, Refurb, Refinance](https://mortgagelane.com/case-studies/buy-refurb-refinance-bridging-to-mortgage) - [![An upward view between glass office towers and leafy tree canopies, with mint green facade outlines.](https://mortgagelane.com/assets/responsive/v1-f8255dc580b89005/w1440.d7954534.jpg)2024](https://mortgagelane.com/case-studies/holiday-let-title-split)Case study[Holiday Let Title Split](https://mortgagelane.com/case-studies/holiday-let-title-split)Discover how we helped split the title of a holiday let to maximise investment returns. Read the full mortgage case study and our tailored approach.[Read more about Holiday Let Title Split](https://mortgagelane.com/case-studies/holiday-let-title-split) ## Buying through a limited company? We work with lenders who treat SPV applications as standard, not as an exception. Published: 2026-09-16 Last reviewed: 2026-10-15 Source: https://mortgagelane.com/case-studies/limited-company-buy-to-let-fast-offer