Helping a Business Owner Build a Buy-to-Let Portfolio Using Trading Company Profits

Client Background.

Our client is the owner of a successful retail and installation business. In late 2024, he approached us for guidance on utilising retained business profits to purchase his first buy-to-let investment property.

Following the successful completion and letting of this initial investment, the client returned to us just a few months later seeking support with the acquisition of his second buy-to-let property as part of a growing property investment strategy.

Challenges Faced

Despite running a profitable and well-established business, the client had no prior landlord experience, which is a key requirement for many buy-to-let lenders. Even with one property already in place, the original lender was unwilling to support a second purchase within a 12-month period, requiring us to explore alternative funding options.

Additionally, the majority of lenders in this sector do not permit lending to trading businesses. Instead, they require property purchases to be made through a Special Purpose Vehicle (SPV) established solely for property ownership, adding an extra structural consideration to the transaction.

How we helped

Leveraging our in-depth market knowledge and strong lender relationships, we identified suitable lenders willing to support a first-time landlord and structure the purchases through his trading business.

As a result, we successfully secured combined funding of 70% loan-to-value, enabling the client to proceed with confidence and continue building his investment portfolio.

The Outcome 

The client has now completed on his second buy-to-let investment and has taken possession of the property. Refurbishment works are underway to refresh the accommodation ahead of tenant occupation, marking another successful step in the development of his long-term property investment plans.