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Incorporating Your Property Portfolio

Property Portfolio Incorporation

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Discover the Latest Portfolio Incorporation Rates From Across The Market

If you are looking for ways to streamline your portfolio costs and make the best use of your investment for tax purposes, moving your personally owned buy to let property to a limited company structure could do just that.

But it is a job requiring very careful planning, both from a tax advice and mortgage perspective, especially for larger portfolios.

That’s where we can help – as experts in complex property structures and with decades of experience, we’ve helped hundreds of landlords incorporate their property portfolios. 

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

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We’re Incorporation Experts

With our specialist limited company knowledge, you can discover just how much you can save, the latest rates and easily compare a huge range of lenders and deals in one place.   You’ll also get access to some exclusive rates, not available direct.

LTVs up to 80%

You may be able to borrow up to £25 million and get loan-to-values (LTVs) up to 80% of your investment. Starting with a quick phone call with one of our brokers, we ask the right questions to pinpoint options specific for you and your property portfolio.

Get A Free Quote

We keep things simple. You’ll get a free no-obligation quote to see if you can save with a full breakdown of costs and savings. Better still, we’ll handle all the boring paperwork, so you don’t have to.

Latest Limited Company Mortgage Rates

You could be eligible for rates such as:

Mortgage lenders have their own specific criteria for how much they will lend and what loan-to-value (LTV) they need for a deal, which sounds confusing but don’t worry, we can do all of the chasing and boring admin so you don’t have to. To get started, you can use our buy to let mortgage calculator below to see what kinds of interest rates you may qualify for and how much you may be able to borrow on your next buy to let. If you see a deal you like, let us know and we can check your eligibility.

Just remember our team have in-depth mortgage know-how so may be able to get you a more competitive mortgage deal and can discuss different LTVs and mortgage lengths to find a solution to suit your property and your overall portfolio.

You can get in touch or talk to us on 08009499410.

Results generated by Twenty7tec Mortgage Sourcing. These figures are only illustrative. All mortgages are subject to the applicant(s) meeting the eligibility of the specific lender. An assessment of your needs will be confirmed before a recommendation can be made.

These are just a couple of the products currently available and depending on the property, whether you are looking for a purchase or remortgage and your unique circumstances, we may be able to improve upon the above examples. Chatting to one of the team to discover what deals are available to you that suit the property you are looking to finance.

Chat to a mortgage specialist 08009499410

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

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

Find Out If You Can Save By Incorporating Your Portfolio

Having spoken to a tax specialist, if incorporating sounds right for you, we’re here to help. To speak to a limited company specialist, you can call now on 08009499410 or simply let us know the best way to contact you and we’ll be in touch soon.

The Buy to Let Broker advisers Tom, Chris, Sophie

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Why You Should Consider Incorporating Your Buy to Let Portfolio

To incorporate or not to incorporate – that is the question we know can be a difficult one. With so many factors to consider such as the tax implications and portfolio structure, we get that it may seem complex, but fret not, we’re here to help.

Here are just a handful of reasons to consider incorporating your portfolio and some of the surprising benefits:

One of the main reasons many landlords decide to incorporate is the potential tax benefits. In a Limited Company, you may be able to benefit from certain tax efficiencies including Higher Tax Relief and you can also shelter profits from personal taxation.
You may be able to utilise more lenient rental coverage – essentially borrow more with less deposit
You may be able to utilise Director and Inter-Company Loans as deposit funds.
Underwriting is no different from borrowing personally in real terms, so there are no additional underwriting hurdles to getting your application approved.
You can convert your portfolio into a family business and ultimately protect the legacy of the portfolio long term.
They can offer succession advantages & flexibility for your portfolio.
It will allow you to apply for Joint-Venture mortgages (JV).
Due to penal Section 24 tax relief restrictions, it really is vital that you get expert advice when it comes to incorporating your property portfolio.
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Get Advice From Limited Company Experts

Buy to Let Specialist Sophie Simpson
There are lots of factors to consider when incorporating your property portfolio, so here is the key eligibility criteria you should be aware of:
  • LTVs up to 80%
  • Interest Only options Available
  • Borrow from £150k – £25m
  • Finance available from day one
  • 2, 3 & 5-Year terms available
  • No minimum income options
  • Unlimited portfolio size
  • Competitive arrangement fees

To discover your full eligibility and the latest rates available to you, get in touch today. 

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

As property incorporation specialists we fully understand the magnitude of what it takes to move your properties from a personal name into a limited company structure, so with us, you’ll get a dedicated mortgage broker and our full case management team to help you every step along the way.

Also here are a few more reasons to give us a call:

You’ll benefit from our intricate knowledge of Limited Company mortgages & specialist lending with 100+ years of property finance experience.

You’ll get unlimited access to 50+ SPV lenders on the market including Lendivest, Landbay and Masthaven, so you really can compare thousands of deals in one place.

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

You’ll get access to our exclusive deals, not available from high street banks.

You’ll benefit from our advanced due diligence, saving you time, money and stress in the application process.

You’ll get real human advice – no automated responses here, no sir.

You’ll get access to the real decision-makers as we have dedicated underwriters in several major lenders and have senior contacts with credit managers & senior personnel.

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.

Getting a free quote from us won’t impact your credit score and comes with no obligation.

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

You’ll get award-winning mortgage advice every time AND we’re rated 5/5 on Feefo, so you can be confident that you have a fantastic SPV deal.

Want To Know More About Incorporating Your Property Portfolio?

If you’d like to know more about the latest mortgages available to you right now and just how much you can save, give us a call on 08009499410 today. You can also request a callback from one of our specialist mortgage advisers using the form below. 

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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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