Limited Company — pricing factors (UK)
What lenders weigh when pricing limited company cases — not live quotes. Use our calculators and speak to an FCA-authorised broker for firm-specific numbers.
Mortgage118 does not publish indicative rate bands. Lender pricing changes daily and depends on your profile.
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What lenders look at
These factors shape whether a limited company case is accepted and how it is priced. They are not a quote.
- Established limited company
- Strong company financials and trading history
- Good credit history for company and directors
- Adequate security and personal guarantees
- Clear business plan and property strategy
- Suitable property for company use
For indicative numbers, use our mortgage calculators and compare brokers who specialise in limited company.
What moves your rate up or down
These are the strongest factors lenders weigh when setting pricing.
- Specialist lenders with corporate expertise
- Tax-efficient property investment
- Flexible lending criteria for companies
- Professional support for corporate applications
- Access to competitive rates for established companies
Fee breakdown
Common charges to plan for alongside the headline rate.
Arrangement Fee
Lender product fee
1% - 2% of loan
varies by lender
Valuation Fee
Investment property survey
£300 - £1,500
one-time cost
Legal Fees
Conveyancing and title work
£1,000 - £2,000
plus disbursements
Broker Fee
Specialist arrangement fee
0.5% - 1%
on completion
Rate FAQs
Quick answers to common pricing questions.
Why would I use a limited company for property investment?+
Limited companies can offer tax advantages for property investment, including lower corporation tax rates, ability to offset mortgage interest against rental income, and potential for more efficient tax planning.
Can I get a limited company mortgage with adverse credit?+
Some specialist lenders may consider limited company mortgages for companies with minor credit issues, though the criteria may be stricter. You'll typically need a larger deposit and may face higher rates.
Can I get a limited company mortgage for a property that needs renovation?+
Yes, though renovation projects may require higher deposits and more detailed planning. You'll need to demonstrate that the renovation will improve the property's value and that the company has the expertise to complete the project.
What are the ongoing costs of limited company property ownership?+
Ongoing costs include mortgage payments, insurance, utilities, maintenance, and professional fees. Budget for 15-25% of rental income for these costs, though this varies by property type.
Can I get a limited company mortgage for a property in a different location?+
Yes, though lenders may have preferences for certain locations or property types. You'll need to demonstrate that the property is suitable for the company's needs and that you can manage it effectively.
What happens if I want to sell the property?+
You can sell the property at any time, though you may need to pay early repayment charges if you're still within the initial fixed rate period. The sale proceeds will be used to repay the mortgage.