First Time Landlord Secures 75% LTV Mortgage For Serviced Accommodation in L4
The latest industry news and guides from Active Mortgages.
The latest industry news and guides from Active Mortgages.
A first-time landlord came to us looking to buy an investment property in L4 to run as serviced accommodation under a limited company.
They had never owned a rental before, and this was their first venture into short-term lets.
Their goal was to maximise leverage and get the full 75% loan-to-value.
This case was challenging because:
The property was not in a traditional holiday hotspot or seaside town, which many lenders prefer for serviced accommodation.
The client was buying through a limited company as a first-time landlord, raising risk flags with many providers.
We needed a lender who understood both short-term lets and non-coastal urban investments.
We sourced a specialist serviced accommodation mortgage at 5.45%, allowing for 75% LTV despite the location and client profile.
Our team clearly explained the business model, demand in the area, and the company structure to the underwriter.
We positioned the property as a long-term income asset, not a high-risk holiday rental.
The client secured the full 75% LTV they needed, with a competitive rate and lender comfortable with both the limited company structure and urban serviced accommodation.
Key benefits:
Full leverage as a first-time landlord.
Accepted location despite it not being a tourism hotspot.
Mortgage under limited company, protecting future growth.
The client was thrilled to start building their portfolio with the right structure in place.
You don’t have to buy in a seaside town to qualify for serviced accommodation lending.
Even as a first-time landlord, you can borrow through a limited company with the right advice.
Not all lenders understand this market but the right one will.
This case proves that with expert guidance, you can invest strategically even on your first deal.
Book a call with one of our team to talk about your requirements.
