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Helping Landlords

One of Out Top Buy to Let Lenders is Saying...

Aldermore has a flexible approach to layered SPV structures, which could be a great fit for some of your more complex landlord cases.

Let’s bring this to life with a simple example:

Parent Company Ltd (Holding Company)

Director – Mr Smith
Director – Mr Williams
      ↓
SPV Ltd (Property-Holding Company)
Director – Mr Smith
Director – Mr Jones

In this scenario, only the SPV, Mr Smith, and Mr Jones would be named on the application, as they are the directors of the borrowing entity.

The wider structure (including the holding company and Mr Williams) would simply be captured via a supporting note — helping to keep the application process streamlined.

 Key highlights:

  • ✅ No limit on SPV layers
  • ✅ Only the SPV’s directors/shareholders with 25% or more need to be named on the application
  • ✅ Wider ownership structure simply captured via a supporting note on submission 

This makes it much easier to place cases where clients have multi-tier companies, without overcomplicating the application process.



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