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Trading Business Mortgages

Trading Business Mortgages

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If you already run a trading business and have surplus funds set aside to purchase residential buy to let property, it’s certainly possible to borrow through a growing number of lenders without the need to establish a separate limited company  – potentially saving you time, energy and money.

You may want to consider a trading business mortgage so that retained profits from your existing business can be made available for a deposit or you may simply wish to keep all of your borrowings and property assets in one company for ease. Whatever the reason, our market know-how can help you find the suitable solutions for your property.

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

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Our buy to let advisers have in-depth mortgage knowledge from years of experience in dealing with landlords across the UK.

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With us, you can not only compare deals from a huge range of lenders in one place, but you can get access to exclusive and semi-exclusive deals, not available direct.

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Get your free no-obligation quote to find out if you can save and easily compare rates from a wide range of lenders from across the market.

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To discuss your mortgage options and compare the latest buy to let mortgages, you can call us on 08009499410 or let us know the best way to contact you and and one our expert mortgage advisers will be in touch shortly.

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Why Consider a BTL Mortgage For Your Trading Business?

There is a myriad of ways you can structure your property portfolio but finding the right one for you could save you thousands. Here are just some of the reasons to consider a trading business mortgage:

You can use your retained profits as purchase deposits.
Less paperwork – it can keep life simple with one trading business, one set of accounts.
Rental stress tests are more lenient for companies compared to personal names.

Limited Company portfolio structures are becoming increasing more popular than personal buy to let mortgages and with any property portfolio, we strongly recommend that you take specific tax advice for your own circumstances, especially when purchasing in an already trading business, as there may be reasons to ring-fence the property asset away.

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Our Service Has Won Awards. Lots of Them.

Our mission is to deliver award-winning service to landlords across the UK, so we’re super proud to been recognised with a whole host of awards in Mortgage Strategy’s Best Broker for Buy-to-Let in 2022!

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Investing Made Easier With Industry Expertise

The Buy to Let Broker BTL Specialist Rachel Fairclough

Should a corporate structure in your current trading business, be the right route for you, then we’re here to help.  Our expert team deal with a wealth of lenders in this market daily; heavyweights like Aldermore or Lloyds Bank, right through to niche lenders such as Landbay, Keystone, Vida Homeloans or Interbay for example.  Although we use many lenders in this space frequently, ultimately it’s your choice where you place your business following our expert guidance.

We’re specialist mortgage brokers so we’ll guide you not only through an array of cost-effective mortgages, but we’ll let you know the lenders’ service levels right now and also how simple or not their legal process is.  Almost every single lender requires personal guarantees, in other words, you are not afforded limited liability within the company where the mortgage is concerned.  For these personal guarantees, independent legal advice is required – again we can help and guide you on this side too.

As well as being able to finance property held within trading businesses, we also successfully finance property within holding companies, as well as SPVs (special purpose vehicles), all with varying ownership structures including UK companies owned offshore – these differing structures will often dictate the routes available to you as a director of the business.

Why Speak To A Specialist

If you still need some convincing, here are even more reasons why you should consider using a buy to let specialist for your next investment.

With one quick phone call to us:

You’ll benefit from our specialist portfolio knowledge to handle your unique needs with the attention they deserve.

You’ll get access to a huge range of deals on the market – including some exclusive and semi-exclusive, not available direct.

You’ll get quotes based on the true total cost of your mortgage including all rates and fees, not just the initial rate – saving you long term.

You’ll get access to the real decision-makers for your application – including underwriters, credit managers & senior personnel.

Our initial credit checks won’t impact your credit rating.

We’re highly recommended – so far we’ve received over 900 5* reviews on feefo.com

You’ll get a free no-obligation quote, but not just that. It comes with all of our insights and guidance.

You could save time, as we handle the application from quote to completion.

You’ll get a dedicated mortgage broker, so you know who is managing your application at all times and have one point of contact.

With us, you’ll get real mortgage expertise – no automated responses. We take the time to fully understand your needs so you get personalised mortgage options.

You’ll get award-winning service. We’re proud to be an industry recognised as one of the leading brokerage firms in the UK.

Free consultation with household name accountants and tax advisers.

Get A Quick Free Quote With The Latest Trading Business Mortgage Rates

To find out which portfolio structure could save you the most, you can speak to one of our mortgage brokers today but calling on 08009499410. Alternatively you can let us know your contact details below and one of our advisers will respond shortly.

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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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