SPV Company Mortgage

Strategic Financing for Portfolio Growth.

Purchasing property through an SPV (Special Purpose Vehicle) company is an increasingly popular strategy for serious investors seeking tax efficiency and asset protection.

Benefits

  • Potential tax benefits through limited company ownership

  • Easier management of large property portfolios

  • Access to specialized SPV mortgage products

  • Enhanced flexibility in structuring investments

What Is an SPV Company Mortgage?

An SPV (Special Purpose Vehicle) mortgage is a buy-to-let mortgage product designed for limited companies that own and manage property. Rather than purchasing in your personal name, you set up a company — typically with a SIC code like 68209 — for the sole purpose of holding rental property.

SPV mortgages are offered by lenders who accept limited company borrowers and assess affordability based on projected rental income rather than personal salary.

Key Features:

  • Available for newly-formed SPVs and existing ones

  • Typically interest-only structure

  • Often allow higher borrowing limits (stress test is more flexible than personal BTL)

  • Tax-efficient for higher-rate taxpayers

  • Allows for profit retention, reinvestment, and director remuneration options

Why It Matters

Buying property through an SPV can offer significant tax and planning advantages, particularly for landlords building a portfolio or operating as high-rate taxpayers.

Benefits Include:

  • Mortgage interest is fully deductible as a business expense

  • Rental profits are taxed at corporation tax rates (currently lower than personal income tax)

  • Easier to ring-fence property finances from personal finances

  • Streamlined inheritance and ownership planning

  • Portfolio lending is often easier under a company umbrella

However, SPV lending is a specialist market — and getting expert advice is crucial.

Who Is This For?

SPV mortgages are ideal for:

  • Professional landlords growing a property portfolio

  • New investors planning to hold more than 1–2 properties

  • Higher-rate taxpayers looking to improve post-tax returns

  • Couples or family members pooling resources through a company

  • Overseas investors or UK expats investing in UK property

  • Investors remortgaging personal BTLs into SPV ownership (via sale/purchase)

If you want to treat property investment like a business — an SPV could be the right structure.

How Does the Process Work?

At Matwill Capital, we help you finance SPV purchases from structure to completion:

  1. SPV Structure Review
    We assess your goals, tax position, and long-term plans — and guide you in setting up (or reviewing) your SPV company with the correct SIC codes.

  2. Lender Selection
    We match your SPV and property type with lenders who offer SPV BTL mortgages — including those accepting new companies and zero trading history.

  3. Application & Compliance Support
    We prepare the company accounts, directors’ documents, and ensure the legal and underwriting process runs smoothly.

  4. Coordination with Legal & Accounting Teams
    We work with your accountant or recommend one if needed — ensuring your SPV is tax-efficient and properly documented.

  5. Portfolio Strategy & Ongoing Review
    We assist as your company grows — refinancing, adding properties, or managing director withdrawals and long-term tax strategy.

Client Success Story

How a SPV Helped Two Brothers Build a £1M+ Portfolio

Two brothers, both higher-rate taxpayers with full-time jobs, wanted to buy and manage rental property jointly.

Matwill Capital helped them:

  • Set up a new SPV company with the correct SIC classification

  • Secure a 5-year fixed interest-only mortgage for a £475K flat

  • Retain rental profits within the company to fund their next deposit

  • Save thousands in tax compared to personal ownership

“The SPV route let us grow faster and keep things clean between business and personal. Matwill made the whole thing clear from day one.”
— Adam & Lewis, Surrey

Frequently Asked Questions

What kind of company qualifies as an SPV?
Usually, a new or dormant limited company with one or two SIC codes related to property letting/investment (e.g., 68209). It should have no other trading activities.

Do I need trading history to get an SPV mortgage?
No — many lenders accept newly formed SPVs, provided the directors meet experience or income criteria.

How is affordability calculated?
Based on rental income projections, not personal salary — but directors may still need to meet minimum income levels.

Are rates higher than personal BTL mortgages?
Slightly — but the tax savings often outweigh the rate difference for higher-rate taxpayers.

Do I need an accountant for an SPV?
Yes — SPVs must file annual accounts and tax returns. We can refer experienced accountants familiar with property structures.

Why Choose Matwill Capital?

  • Specialist experience in SPV and portfolio lending

  • Close coordination with your accountant and solicitor

  • Access to SPV-friendly lenders (including those not available direct)

  • Support for both new and seasoned investors

  • FCA-authorised, investor-focused, and tax-aware

Ready to Fund Your Project?

Property Investing — The Professional Way.
We help you treat property as a business — with smart structuring, efficient lending, and a clear path to scale.