Melton BS Launches Limited Company BTL Mortgages

Melton Building Society has announced its entry into the limited company buy-to-let (BTL) market, offering a range of mortgage products designed for portfolio landlords. This move is significant as it caters to the growing demand for limited company structures among property investors looking to optimise their tax positions and streamline their investments.

Key Features of Melton BS’s New BTL Products

All of Melton BS’s new BTL products are available at a competitive 75% loan to value (LTV). The mortgage offerings come with a £250 application fee and a 1% completion fee, making them accessible for investors looking to expand their property portfolios. Notably, the society is open to portfolio landlords who own up to five properties valued at a maximum of £5 million, provided these properties are located in England and Wales.

Portfolio Landlords Welcome

Melton BS’s decision to accept portfolio landlords is particularly noteworthy. Investors can have properties with an average LTV of 75% across their portfolio, which allows for flexibility in managing their investments. This is an attractive option for those looking to scale their property holdings without facing stringent lending criteria often associated with traditional BTL mortgages.

Impact on the Buy-to-Let Market

The introduction of Melton BS’s limited company BTL products could have a substantial impact on the buy-to-let landscape in the UK. With the current UK base rate at 3.75% as of April 2026, landlords may find these products appealing as they navigate the challenges of rising interest rates and changing tax regulations. By opting for limited company structures, landlords can potentially benefit from lower tax liabilities, making property investment more financially viable.

For example, a landlord with a portfolio of five properties valued at £1 million each could leverage Melton BS’s offerings to optimise their financing strategy. By maintaining an average LTV of 75%, they can access substantial capital while managing their overall risk effectively.

For those interested in exploring the latest mortgage options, you can check out the current mortgage rates to find competitive deals that suit your investment strategy.

Frequently Asked Questions

• What is a limited company buy-to-let mortgage?
  A limited company buy-to-let mortgage is a type of mortgage specifically designed for property investors who want to purchase rental properties through a limited company structure.
• How does Melton BS’s new offering benefit landlords?
  Melton BS’s new offering allows landlords to access competitive rates and flexible terms while potentially reducing their tax liabilities through a limited company structure.