Commercial mortgage for a limited company
Many investors and businesses buy property through a company. Here is how a commercial mortgage works when the borrower is a limited company.
Updated August 2026 · 5 min read · By Housn Capital
Why buy through a company
Holding property in a limited company is now a common route for investors and businesses. People do it for a range of reasons — how income and gains are treated, ring-fencing property from a trading business, or making it easier to bring in partners and pass things on. Whether it is right for you is a question for your accountant; what matters here is that lenders are very used to it.
How a company borrower is assessed
When the borrower is a company, the lender looks at the company and the people behind it together.
The company
Its accounts, its purpose, and whether it is a special-purpose vehicle set up just to hold the property, or a trading business.
The directors and shareholders
Their experience, their financial standing, and their track record with property.
A personal guarantee
Lenders commonly ask the directors to guarantee the loan personally, so the company structure does not remove all personal responsibility.
The property and income
As with any commercial mortgage — the property's value, and the rent or trading income that repays the loan.
The special-purpose vehicle
Many lenders prefer, or require, that you hold the property in a special-purpose vehicle — a company set up solely to own property, with nothing else going on inside it. It keeps the lending clean and the security simple. If you already have a trading company, a broker can advise whether a separate vehicle makes the borrowing more straightforward.
Borrow through the right structure
The company structure you borrow through affects which lenders will help and on what terms. Housn Capital introduces you to a specialist broker who can match your setup to a lender comfortable with it. Tell us about the deal to get matched.
Frequently asked questions
Yes — it is a common way to hold commercial and investment property. The lender assesses the company and usually the directors behind it, and often asks for a personal guarantee.
Next step
Thinking about commercial for a project?
Tell us a little about your deal and we’ll introduce you to a specialist broker who can talk through the options.
Housn Capital Limited. Not FCA regulated. B2B non-regulated lending only. Company No. 16418877. General information, not financial advice.