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Limited Company Buy to Let Mortgages

Limited Company Buy to Let Mortgages

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Tax Efficient Rates from 2.74%

When it comes to getting the best rate for your next Limited Company mortgage, only an expert will do.

So with one phone call to our team of SPV specialists,  you can discover the very best mortgage for your portfolio, compare every single lender out there and join hundreds of happy landlords on the best rate possible. 

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Pinpoint The Perfect Deal for Your Portfolio

Looking to create longevity in your portfolio? Want to find the most cost-effective way to boost your property profits? Want to protect your investment?

In the last few years many landlords, like you, asking these same questions have understandably turned to Limited Company mortgages as the perfect solution. With a myriad of benefits, such as avoiding the harsh tax environment for personal borrowings, competitive interest rates and personal privacy, a Limited Company mortgage (also known as a Special Purpose Vehicle mortgage or SPV) could give you everything you are looking for.

Why You Should Consider A Limited Company Mortgage (SPV)?

Here are just a handful of reasons to consider a Limited Company mortgage for your investment:

  • You can benefit from certain tax efficiencies including Higher Tax Relief depending on your circumstances.
  • They can offer succession advantages & flexibility for your portfolio.
  • You can shelter profits from personal taxation.
  • You may be able to include family members in your property business.
  • You may be able to utilise more lenient rental coverage – borrow more, put down less deposit.
  • Directors and Inter-Company Loans can be utilised as deposit funds.
  • You will be able to set up Joint-Venture mortgages.
  • Underwriting is no different from borrowing personally in real terms.
  • *Property Tax Advice Essential.
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Benefits Of Using A Specialist Broker

Getting expert advice is essential when it comes to securing the best Limited Company mortgage. Using a specialist broker, like us, can be the difference between a good mortgage and a great one. Here are just some of the reasons to consider calling us today:

  • You’ll benefit from all of our expertise in a human way. Our advisors use the latest technology but there are no automated responses with us.
  • You’ll get unlimited access to every SPV lender on the market.
  • You’ll get advice based on the true total cost of the mortgage including rate and all fees, not just the initial rate.
  • You’ll get a dedicated broker that has intricate knowledge of ‘portfolio landlord’ criteria.
  • You’ll get access to exclusive & semi-exclusive schemes, not available from the high street banks.
  • You’ll get access to the real decision-makers – including underwriters, credit managers & senior personnel.
  • Our initial credit checks won’t impact your credit score.
  • You’ll get a 100% free no-obligation quote with all of our expert recommendations and advice.
  • You may be able to borrow more than you think. We can help you identify and utilise your own personal income to push loan amount limits.
  • You’ll get access to the four major accountant and specialist conveyancing firms in the UK.
  • You’ll be able to compare every deal on the market in one – saving you time and money.

SPV Mortgages – the finer details

George Osborne’s tough tax changes (Section 24) came into full force in April 2020. Landlords like yourself, can now only claim tax relief for interest on Buy to Let mortgages incurred at the lowest rate of tax, ie 20%.  Clearly not good news for higher and additional rate taxpayers.

Dubbed a tax on turnover, these harsh, retrospective rules essentially mean that you will be charged tax on a proportion of your profit if your gross property turnover plus other personal income exceeds £50,001. This is pushing property tax rates to eye-watering levels in some cases and goes against the grain of time-served accounting practices.

Small wonder then, that since 2017 we’ve helped countless landlords to purchase property in a corporate structure (following specific professional tax advice). Section 24 has been a huge game-changer, but landlords have proved their ability to move with the changing tides.

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Get The Results You Want Quicker & Easier

If a Limited Company Buy to Let Mortgage sounds like the right deal for you, get in touch today to speak to a Ltd Co. mortgage specialist. You can call now on 08009499410 or simply let us know the best way to contact you below and we’ll be in touch soon.

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    ‘Exceptional service, best I’ve ever had!’

    ★★★★★ Quite an exceptional service, indeed probably the best service I’ve ever had from any organisation, including Apple! No property investor at any level should be without the support and expertise of The Buy to Let Broker. ~ Trusted Client, UK

    ‘Client’s needs are always their priority.’

    ★★★★★ I am currently completing two mortgages and even through the difficulties presented by the Coronavirus lockdown they have remained extremely efficient and kept the pressure on both the Lender and my solicitor ~ Trusted Client, UK

    ‘Outstanding Service’

    ★★★★★ A very thorough and professional service from Gary and Amy throughout a challenging financial period. Our mortgage was a complex one and the team worked tirelessly to get us into our ‘forever home’. A huge thank you - Trusted Client, UK

    ‘Excellent service, lovely people! ’

    ★★★★★ I would absolutely recommend The Buy to Let Broker's services. I have completed several remortgages and BTL deals with them and the service is always second to none. - Simon, Cheltenham

    ‘An Excellent Broker ’

    ★★★★★ The broker took the time to understood my needs and delivered a personal, tailored solution that I am extremely pleased with. Throughout the processes, I always received timely updates on the status of my mortgage application and the team went the extra mile to ensure I secured the product I wanted. - Trusted Client, UK

    ‘Great Service’

    ★★★★★ Talked through in detail each of the products that were available and which ones suited our needs. Ensured a smooth process from beginning to end, with excellent communication throughout. - Trusted Client, UK

    IMPORTANT INFO

    We’d strongly recommend that you take professional property tax advice prior to entering into any buy to let ventures.