Limited Company Buy to Let Mortgages
Maximise profit on your buy-to-let portfolio
A limited company buy-to-let mortgage can offer several tax advantages, and if you secure a competitive rate, it can enhance your profit. Yet, sourcing a limited company buy-to-let mortgage isn’t as straightforward as financing a property in your own right. That’s where we can help.
Finding your buy-to-let mortgage
Not all high street lenders offer buy-to-let mortgages, and many specialist lenders are intermediary-only. Without broker support, your chances of finding the most competitive deals are slim. With access to the whole market and expertise in limited company buy-to-let mortgages, we can source the right deal for you. We know who to approach and how to present a mortgage application.
Whether you’re an experienced portfolio landlord or this is your first limited company buy-to-let mortgage, we’ll take care of the entire process. You’ll be free to focus on your investment plans safely with the knowledge that we’ve got your best interests in mind.
If it’s your first time seeking a limited company buy-to-let mortgage, it’s important to get professional tax advice. A limited company buy-to-let mortgage isn’t suitable for all property investors.
To find a competitive buy-to-let mortgage for your investment plans, get in touch for a free, no-obligation chat with a buy-to-let mortgage adviser.
Limited Company Buy to Let Mortgages FAQs
What is a limited company buy-to-let mortgage?
With a limited company buy-to-let mortgage, you buy and manage your buy-to-let property through a limited company. Instead of you owning the property yourself, the company owns it.
What are the benefits of a limited company buy-to-let mortgage?
Buying a buy-to-let property via a limited company mortgage can offer many tax benefits. You pay tax on rental income at the corporation tax rate (currently lower than higher rates of personal income tax), and you can offset several expenses against profits. This type of mortgage can be beneficial for portfolio landlords and higher-rate taxpayers.
You should always seek professional tax advice before deciding on a limited company buy-to-let mortgage.
How do lenders assess mortgage applications for limited companies?
Lenders will examine the company’s financial health, including its business plan and rental income projections. They’ll also look at the directors’ and shareholders’ personal financial situations and credit histories.
What deposit do you need for a limited company buy-to-let mortgage?
A limited company buy-to-let mortgage will require a minimum deposit of at least 25% of the property’s purchase price. Minimum deposit amounts for buy-to-lets are higher than standard mortgages as lenders view them as higher risk. Generally speaking, if you put down a higher deposit, you’ll have access to a broader pool of lenders and more favourable interest rates.
Are buy-to-let mortgages for limited companies more expensive?
Buy-to-let mortgage rates are usually slighter higher for limited companies than for private landlords.
Can any limited company apply for a buy-to-let mortgage?
Not any limited company can apply. Most lenders prefer Special Purpose Vehicles (SPVs), which are companies set up solely for buying, selling, and renting property.
