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Limited Company Buy to Let Mortgages

Limited Company Buy to Let Mortgages

⭑⭑⭑⭑⭑ Award-Winning Complex Mortgage Masters

Discover The Latest Tax Efficient Rates from 2.79%

Many modern landlords, like yourself, are searching for cost-effective ways to boost their property profits and protect, or indeed create a legacy and succession planning.

So it comes as no surprise that limited company buy to let has grown exponentially since 2015’s Section 24 tax changes.

With a myriad of benefits, a limited company SPV mortgage is giving landlords what they need to remain in the market.  But is your current adviser?

We’re extremely well versed in the dynamics of the sector.  We know it back to front.  So for a grown up conversation on the subject, pick up the phone and chat to one of our ltd company virtuoso advisers.

You can discover handpicked options for your portfolio whether remortgaging or acquiring property – it’s bread and butter to us.

**As with all buy-to-let investments, we strongly recommend that you also seek professional tax advice.

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We’re Ltd Company Pros

With our specialist limited company know-how, you can gain unprecedented insight into the market, the latest purchase and remortgage rates are just a call away.   We’ll provide a streamlined rate comparison.

Comparison is Key

With us, we justify our recommendations to you and let you get the most from our expert market knowledge, you get access to exclusive and semi-exclusive deals too.  Pinpoint a deal today.

Rate Discovery – Free

Take advantage of our profound buy to let expertise.  Secure your free no-obligation quotes with seamless lender comparison for your next ltd company remortgage or acquisition.

Our Freshest Limited Company Mortgage Rates

You could be eligible for rates such as:

We ran a search to look at some of the best available rates in the market right now at a low loan-to-value (LTV). Of course, there are many ways in which we can look at new schemes for your bespoke situation, for example ‘total cost’ over the benefit period accounting for rate and fees. Please talk to us for a tailored illustration for your own requirements.

2-Year FIXED

3.06%

APRC - 9.6%
Subject to eligibility
Get in touch for a bespoke quote
Learn more
Rates correct as of 08/01/2024. Representative example: An interest-only mortgage of £125,000 payable over 15 years, initially on a fixed rate of 3.06% for 2 years. Following this a variable rate of currently 9.75% for the remaining term. This would require 24 monthly payments of £318.75. 156 monthly payments of £1,015.62. The total costs payable for the full term would be £176,196.72, made up of the interest plus £8,750 (Product Fee), £150.00 (Application Fee), £650 (Valuation Fee), £25.00 (Telegraphic Transfer Fee), £350.00 (Conveyancing Fee), Deeds Release Fee of £95.00 and Mortgage Exit Administration Fee of £90.00. The initial loan amount of £125,000 will be payable at the end of the loan term. The overall cost for comparison is 9.6% APRC representative.

5-Year FIXED

3.96%

APRC - 8.9%
Subject to eligibility
Get in touch for a bespoke quote
Learn more
Rates correct as of 08/01/2024. Representative example: An interest-only mortgage of £125,000 payable over 15 years, initially on a fixed rate of 3.96% for 5 years. Following this a variable rate of currently 10.24% for the remaining term. This would require 60 monthly payments of £495.00, followed by 120 monthly payments of £1,280.00 The total costs payable over the full term would be £200,120, made up of the interest plus £14,985.00 (Lender Fee), £180.00 (Application Fee), £695.00 (Valuation Fee), £35.00 (CHAPS Fee), £175.00 (Mortgage Exit Fee) and £750.00 (Conveyancing Fee). The initial loan amount of £125,000 will be payable at the end of the loan term. The overall cost for comparison is 8.9% APRC representative.

WARNING – We have hundreds more Ltd Co. schemes for you to consider.  These are just a couple of the products currently available, it’s highly likely that we are able to improve upon the above examples. Chat to one of the team to discover what rates are available to you that also suit the property you are looking to finance.

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Enquiry for a Limited Company Mortgage Today

Having spoken to a tax specialist, if a limited company buy to let Mortgage or remortgage sounds like the right finance for you, chat to us and discover the latest rates matched to you and your unique portfolio. To speak to one of our limited company experts and compare a wide range of lenders and deals, you can call now on 08009499410 or enter your details here and we’ll be in touch and adding value, shortly.

The Buy to Let Broker Rachel, Louise and Matt

Platinum Trusted Service Feefo Winner 2020, 2021, 2022, 2023 & 2024 ★★★★★

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The Buy to Let Broker Property Portfolio Incorporation

Case Study: Here’s How We Saved Our Client Over £60k

Find out how our buy to let broker Steve used his advanced knowledge of Section 162 Incorporation Relief and senior lender contacts to help his clients incorporate their £5 million portfolio into a more cost-effective structure.

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

If your accountant has recommended an SPV or a more complex FIC or layered ownership structure, here are just a handful of reasons to consider a limited company mortgage for your investment:

You can benefit from certain tax efficiencies and succession planning.
You can shelter profits from personal taxation.
You may be able to utilise more lenient rental coverage – borrow more, put down less deposit.
You will be able to set up joint-venture mortgages with business partners.
You may be able to raise additional capital on your property, with competitive remortgage options available.
They can offer succession advantages & flexibility for your portfolio.
You may be able to include family members in your property business.
Directors and Inter-company loans can be utilised as deposit funds to maintain efficiency.
Underwriting is no different from borrowing personally in real terms.
Free valuation options available, if remortgaging.
The Buy to Let Broker Phone Limited Company Mortgage

Looking for a limited company remortgage?

If you already have a limited company mortgage and need to remortgage, we can help. Get in touch with the team today to discover the latest remortgage rates that fit your portfolio.

Real People. Real Success.

Feefo Trusted Service Winner – 8 Years Running! ★★★★★

Get Industry Insights From Our Buy to Let Experts

The Buy to let Broker SPV Specialist Steve

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.

When looking to borrow this way, you can borrow through your trading business, but to open up more of the market (so you get as many options as possible), an SPV or special purpose vehicle is a must; in other words, a business set up solely to undertake holdings and lettings investment property. This ensures you have your pick of the market and indeed should you need to refinance your property in the future, any new entrants to the market can be utilised where required.  An SPV keeps your options wide open and to some degree, future-proves your finance options.

Following comprehensive tax advice, you should set up your property business with SIC (Standard Industrial Classification Code) In Section L of the attached Companies House business classes; the universally acceptable code being ‘68209’; ‘Letting and operating of own or leased real estate’. Don’t forget that you will need to open a bank account for the business prior to purchase completion, in order to pay direct debits to the lender following completion.

It’s worth noting that the underwriting is almost exactly the same as borrowing on a personal basis; the strength for the application comes from yourself as the director(s)/shareholder(s) of the business.  SPV companies can therefore be brand new, in place of a trading history as a personal guarantee, much like how it is with personal borrowing.

Yes, it’s true to say that rates of borrowing and in some cases fees are more expensive with limited company borrowing, however many of our clients are finding that once tax costs are factored in, they are considerably better off. There are other advantages too;

Stress calculations are more lenient with limited company mortgages, i.e. you can generate larger loans from the same rental income.

You can retain profit in the company and only pay corporation tax rates of 19% (subject to change). This enables you to re-invest income back into your portfolio without being subject to harsher personal tax rates.

There are certain succession planning advantages creating flexibility for Inheritance Tax purposes.

You can inject deposit funds as director loans, or move capital from a trading business using an inter-company loan, making your affairs as efficient as possible.
We also always advise that you talk to your accountant about the best way to structure your property ownership, inject deposit funds and how Capital Gains Tax (CGT) is treated in differing structures etc.

We have many lenders available in the Buy to Let market, some of whom The Buy to Let Broker assisted in their proposition development or in piloting their limited company schemes, we are indeed currently discussing with a number of vanilla lenders, piloting their new limited company propositions.

Here are a number of our key lender relationships;
Paragon Bank, Kent Reliance, Precise, The Mortgage Works, Landbay, Foundation Homeloans, West Bromwich BS, LendInvest, Aldermore Commercial, Fleet Mortgages, Vida Homeloans, Shawbrook Bank and Interbay Commercial.

In terms of underwriting, there are lenders who only underwrite and require personal guarantees from directors only, which allows beneficial owners not to give personal guarantees. The usual level at which lenders will wish to underwrite non-directors is a 25% shareholding.

Even More Reasons Why You Should Call The Buy to Let Broker Today

Getting expert guidance is essential when it comes to securing a suitable limited company mortgage.

Here are just some of the reasons to consider calling us today:

You’ll get access to a huge range of SPV lenders  from across the market.

You’ll get quotes based on the true total cost of the mortgage including rate and all fees, not just the initial rate.

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.

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 a 100% free no-obligation quote with all of industry insights and guidance.

You’ll benefit from all of our expertise in a human way. Our advisers use the latest technology but there are no automated responses with us.

You’ll get a dedicated broker that has intricate knowledge of ‘portfolio landlord’ criteria.

You’ll get help to find a quality solicitor if needed.

You’ll be able to compare thousands of deals on the market in one – saving you time and money.

You’ll get zero pressure from us. We’re here when you need us.

You’ll get an award-winning mortgage service AND we’re rated 5/5 on Feefo, so you can be confident that you are in safe hands.

Get A Quick Free Quote With The Latest Ltd Co Rates

Discover Why We’re Rated 5/5 by Landlords

Chat to a limited company expert and compare deals from a range of lenders in one. You can also chat with a mortgage broker right away on 08009499410

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IMPORTANT INFO

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

Just like your home, your buy-to-let property may be repossessed if you do not keep up payments on your mortgage.

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