Stop overpaying the taxman. Higher-rate landlords who fail to restructure are losing thousands in profits every year. Get an expert SPV review today.
Unlike personal BTL, your limited company deducts ALL mortgage interest from profits
Far lower than 40-45% income tax that higher-rate personal landlords pay
Your family home and personal savings stay protected from investment risk
Transfer company shares instead of properties — potentially saving tens of thousands
Choose when and how to take profits — dividends, salary, or reinvest for growth
Gift shares gradually to family — a surprisingly elegant way to pass on wealth
Speak to an SPV specialist today — no obligation, no hard sell
Most brokers treat SPV mortgages like standard buy-to-let. That's a costly mistake. Here's why working with a specialist changes everything.
While other brokers fumble through SPV applications, we live and breathe limited company property finance. We know which lenders will say yes before you even apply — saving you the heartbreak of rejection and weeks of wasted time.
Imagine having a secret weapon: access to lenders that high-street banks don't even know exist. Specialist SPV products, competitive rates, flexible criteria. If we can't help you, honestly — nobody can.
That gut-wrenching moment when a deal falls through because your lender was too slow? We've seen it destroy investors' plans. Our direct lender relationships mean faster decisions — so the only thing you lose is your anxiety.
Think setting up an SPV is the hard part? That's actually the easy bit. Getting the right mortgage — without losing money, time, or your sanity — is where most investors come unstuck.
You ask your bank. They shrug. You ask another broker. Different answer. Your accountant says one thing, Google says another. The confusion is maddening — and getting it wrong means rejection, wasted fees, and months back to square one.
We know exactly what each of our 200+ lenders needs before you apply. No guesswork, no nasty surprises. We'll assess your personal income, company structure, and rental projections to match you perfectly.
Here's something that would make any investor nervous: lenders stress-test your rental income at 125-145% coverage, using rates of 5.5-6.5%. Add "pay rate" tests and suddenly your £500k portfolio plan becomes a £300k reality. Ouch.
Different lenders, different rules. We work with lenders offering 125% coverage (not 145%), realistic rate assumptions, and top-slicing options. Result? We often boost your borrowing by 20-30%. That's not a typo.
You set up an SPV for limited liability protection. Smart move. Then your lender says: "Sign this personal guarantee." Wait — what? Your personal assets are suddenly on the line again. The irony is almost laughable, if it weren't so terrifying.
We're transparent from day one. We'll tell you which lenders require guarantees, what your actual exposure is, and where to find true limited recourse lending. No surprises. No sleepless nights.
The more properties you own — across personal names, different SPVs, joint ventures — the more underwriters groan. Applications stall. Questions multiply. And the deal you were excited about? It starts slipping through your fingers.
We package everything lenders need, in the format they expect. We know which lenders allow 10+ properties, use portfolio-level stress testing, and offer expedited processing for experienced investors.
If you're new to this, don't worry — here's the plain-English version.
An SPV (Special Purpose Vehicle) is a limited company set up purely to hold property. Instead of buying rental property in your personal name, the company buys and owns it. The mortgage is in the company's name. Why bother? Because after the Section 24 tax changes, personal landlords can no longer deduct full mortgage interest — but limited companies still can. For higher-rate taxpayers, this difference can be worth thousands every year.
Deduct all interest from profits — personal landlords can't do this anymore
Vs. up to 45% income tax for personal landlords. The numbers speak for themselves.
Sell company shares, not the property — potentially saving tens of thousands
Gift shares over time. A surprisingly painless way to protect your family's future.
From first call to completion — here's exactly what happens. No mystery, no stress.
We chat about your goals, portfolio, and SPV structure. You'll leave knowing exactly where you stand — even if you don't proceed with us.
We identify the 2-3 best lenders for your situation. You'll know their criteria, rates, and likely terms before committing to anything.
We handle the paperwork, chase the lender, and respond to queries so you don't have to. Most SPV applications take 2-4 weeks.
We coordinate with your solicitor for a smooth finish. Then we review your mortgage annually — because the best deal today won't be the best deal forever.
Every month you delay restructuring is another month of unnecessary tax. The landlords who act first are the ones who build real wealth.
It takes 2 minutes to fill in our form. We'll review your situation and call you back with your options — no obligation, no hard sell.
Or email us at hello@opusmortgage.co.uk