Company buy-to-let in Bexhill
Many Bexhill landlords are local people who have built up a few properties over the years, often in their own names. As portfolios grow, or as they move into a higher tax band, some start buying new properties through a company instead. Others are investors from London or Brighton who have bought in Bexhill because prices are lower than in many other parts of Sussex.
Bexhill's housing stock is a good fit for some company strategies. Large Edwardian houses and former guest houses near the seafront can sometimes be converted into self-contained flats, subject to planning permission and building regulations. Family houses in Sidley and central Bexhill are popular as single lets. The town is also changing to the north: Bexhill Enterprise Park North has new industrial units under construction, and the Queensway Gateway Road opened fully in September 2025, which could bring more local jobs over time.
Whatever the strategy, your lender will still look closely at the property itself. Age-restricted flats, short leases and properties with non-standard construction narrow the choice of lenders, whether you buy personally or through a company.
Personal name or limited company?
Many landlords now buy through a company because company profits are taxed differently from personal rental income, and mortgage interest can usually be treated as a cost. That does not suit everyone: drawing money out of the company is taxed, company products are a narrower market, and you still pay the 5% stamp duty surcharge on additional properties.
If you already own properties personally, moving them into a company usually counts as a sale. Take tax advice first, then let us find the right limited company buy-to-let lender for the structure you choose.
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How limited company buy-to-let lending works
Most lenders want a special purpose vehicle (SPV): a limited company set up only to hold property, usually with SIC codes such as 68100, 68209 or 68320. Some lenders also accept trading companies or more complex group structures. Directors and main shareholders are usually asked to give personal guarantees.
The rent test for company borrowers is often around 125%, which can allow a larger loan than the higher-rate personal test. Most lenders want a 25% deposit. Newly formed companies are fine with many lenders, because they look at the directors' experience and credit. Our guide to SPV, HMO and company buy-to-let lending goes into more detail.
Example: converting a former guest house
This is an illustrative example, not a real case. A family's SPV buys a large former guest house near the seafront with planning permission to convert it into flats. The purchase and works are funded with bridging finance, because the building cannot be mortgaged in its current state. When the flats are finished, the company refinances onto a term buy-to-let mortgage, either on each flat or as one multi-unit loan.
Limited company buy-to-let advice in Bexhill
We work with company landlords from their first SPV purchase to large multi-property portfolios. We are directly authorised by the Financial Conduct Authority (FRN 925926) and rated 5.0 stars from 109 Google reviews. We are based at 17 Havelock Road in Hastings and can visit you at home around Hastings and Bexhill, or talk by phone or video.
Our broker fee is £599. For a purchase it is payable when your mortgage offer is issued; for a remortgage to a new lender it is charged on completion. Where there is adverse credit the fee is £999, or up to 1% of the loan. We do not charge a fee for product transfers with your existing lender, and we confirm any fee in writing before we start. Contact us or call 01424 444597 to talk it through.
Frequently asked questions
Is Bexhill a good place to buy through a limited company?
We cannot tell you where to invest, but we can tell you how lenders will view a particular property and structure. Whether a company makes sense depends mainly on your tax position, so speak to your accountant as well.
Can my company buy a Bexhill property that needs work?
If it is mortgageable as it stands, yes. If it has no working kitchen or bathroom, or is being converted, lenders usually need bridging finance first, followed by a buy-to-let mortgage once the work is done.
Will I have to give a personal guarantee?
Almost always. Lenders usually ask each director, and often any shareholder with 20% or more, for a personal guarantee. That means you could be personally liable if the company cannot repay, so take independent legal advice.
Is a limited company buy-to-let mortgage regulated?
No. Mortgages to limited companies are not regulated by the FCA. We still give you the same written recommendation and explain the costs and risks.
Can a brand-new company get a mortgage?
Yes. Many lenders are happy to lend to a newly formed SPV with no accounts, because they assess the directors' income, credit and experience instead.
Important: Limited company buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage. Directors are usually asked for personal guarantees, which can put personal assets at risk. The FCA does not regulate tax advice, so please take advice from an accountant before buying through a company.
Transparent Mortgage Services is a trading style of Transparent Financial Associates Limited, which is directly authorised and regulated by the Financial Conduct Authority (FRN 925926). 17 Havelock Road, Hastings, East Sussex TN34 1BP. Telephone 01424 444597.
