🚨 The One Move That Could Quietly Jeopardise Your Buy-to-Let Portfolio

Thinking of changing something in your property company? Read this first.

If you hold your buy-to-let properties inside a limited company, there’s one decision that can quietly put your entire portfolio at risk.

It’s legal. It’s common. And in some cases, it’s even advised by accountants.

But if you get the timing or process wrong, you could unintentionally breach your mortgage conditions—and not find out until it’s too late.

What’s the risk?

When lenders approve a mortgage for your limited company, they’re not just looking at the property. They’re looking at:

• Who owns the company (shareholders)

• Who controls it (directors)

• The financial profile at that exact moment

If you change anything in that structure—without speaking to your lender first—you could:

• Breach your mortgage terms

• Trigger an early repayment clause

• Be forced to refinance, often at worse rates

• Incur early repayment charges

And most investors don’t realise the damage until they apply for their next mortgage or the lender picks up the change during a routine check.

What you should do instead

Before making any structural changes to your limited company:

✅ Check your mortgage conditions
✅ Speak to your broker (that’s me)
✅ Contact your lender if necessary
✅ Plan changes around remortgage events—not during them

Bottom line:

Your limited company is the legal borrower on your mortgages—not just an admin tool. Treat changes to it with the same care you would a refinancing decision.

One small tweak can undo years of smart portfolio building.

If you’re unsure whether your plans could affect your current loans, just reply to this email or book in a quick call. Better safe than sorry.