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Limited Company Buy to Let Mortgages

Limited Company Buy to Let Mortgages

Tax Efficient Rates from 2.25%

No Upfront Fees
Over 5,000 Deals
Quick Decisions
The Buy to Let Broker Limited Company SPV Mortgages

Leverage The Very Best Mortgage For Your Property 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.
  • They can offer succession advantages & flexibility for your portfolio.
  • You’ll be able to retain your profit to expand your portfolio.
  • 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.

This Week’s Best Limited Company Mortgages

TypeInitial Pay RateUntilArrangement
Fee
LTV %Final Rate (SVR)
Discount2.25%3 years£950703.95%
Fixed2.49%2 years1.25% of the loan604.74%
Fixed2.99%5 years1.25% of the loan604.74%

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SPV Mortgages – the finer details

George Osborne’s tough tax changes (Section 24) came into full force in April this year. 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.

Read More

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

Limited Company Mortgages Section 162 incorporation

Get The Results You Want Quicker & Easier

Meet The Mortgage Experts

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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Still Need Convincing…

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