Quick Answer: Best Limited Company BTL Remortgage in 2026
Limited company (SPV) BTL remortgage rates in 2026 are typically 5.0%-5.6% for a 2-year fix and 4.8%-5.3% for a 5-year fix at 75% LTV — close to personal BTL rates, with a more generous 125% ICR stress test. Specialist lenders include The Mortgage Works, Paragon, Kent Reliance, Foundation, Aldermore and Shawbrook. SPV ownership suits higher-rate landlords who benefit from corporation-tax treatment of interest. Directors usually give personal guarantees. Take tax advice and use a specialist BTL broker.
Rates last reviewed June 2026. Figures shown are indicative market ranges to help you compare — not live quotes or personalised offers. Mortgage rates change daily and depend on your circumstances, the lender's criteria and the Bank of England base rate. Check live rates for your profile →
Why Landlords Use a Limited Company (SPV)
The main drivers and trade-offs:
- Full interest deductibility — companies deduct mortgage interest as a business expense before paying corporation tax, unlike individuals who get only a 20% tax credit. For higher-rate taxpayers this can be a major saving.
- Lower stress test — company BTL is usually stress-tested at 125% ICR (like a basic-rate taxpayer), not 145%, so you can often borrow more than holding the same property personally as a higher-rate taxpayer.
- Profit retention and planning — profits can be retained in the company and used to grow the portfolio, with more flexible succession/estate planning.
- Trade-offs — slightly higher rates, accountancy costs, personal guarantees from directors, and the cost/complexity of transferring existing personal properties into a company (which can trigger SDLT and CGT).
