Limited company mortgages made easy
When using a limited company as a vehicle to grow your property portfolio, you need a limited company mortgage to match. Our advisers are well-equipped to guide you through securing the most suitable one.
How we can help with your Limited Company mortgage:
Advice on building your property portfolio
Our team of experienced mortgage advisers who also happen to be property investors, offer transparent, personal and impartial advice to find the most suitable mortgage for your needs.
Learn how to make your ventures more tax efficient
To fully leverage the possible tax benefits associated with building your portfolio through a limited company you’ll need advice from a qualified accountant or Tax Adviser. Our advisers can help point you in the right direction for information that will help you maximise tax benefits.
Maximise your portfolio’s profitability
Let our advisers show you how the right limited company mortgage opens doors to new ways you can punch up your portfolio’s profitability.
Let us find a Limited Company mortgage for you
Speak to one of our friendly advisers today, and download your credit report via 'Check my file', to kick start the process.
Product FAQs:
This type of mortgage is specifically designed for properties that are owned and managed by a limited company, rather than an individual investor. Limited company mortgages can provide tax advantages and other financial benefits to investors, depending on their specific circumstances.
In summary, a limited company mortgage is a mortgage used for purchasing buy-to-let properties through a limited company or an SPV, offering a tailored financing solution for properties owned and managed by limited companies.
For a limited company buy-to-let (BTL) mortgage, most lenders typically require a minimum deposit of at least 15% of the property’s value. When providing the deposit for the investment, you must demonstrate that you have the funds readily available and can access them at the time of purchase. Keep in mind that deposit requirements may vary between lenders, so it’s essential to research and compare various mortgage options to find the one that best suits your needs.
In summary, to obtain a limited company mortgage, you generally need a minimum deposit of 15% of the property’s value, and you must be able to prove the availability of these funds at the time of purchase.
Deciding whether to buy a property through a limited company depends on your specific situation and objectives. If you are a property trader, meaning you purchase properties to make value-adding improvements and then sell them for a profit, buying through a limited company could be more advantageous.
Operating as a limited company can offer tax benefits, limited liability protection, and potentially easier access to finance. However, it also comes with added administrative responsibilities and costs. It’s essential to carefully consider your personal circumstances, financial goals, and consult with a financial advisor or accountant to determine the most suitable approach for your property investments.
Purchasing property through a limited company can be worthwhile in certain circumstances, particularly if you plan on using mortgages to finance your investments. One key advantage of buying properties through a limited company is the ability to claim 100% of your mortgage interest against your rental income as an operating expense, which could result in significant tax savings.
However, it’s essential to consider the overall costs and responsibilities of setting up and managing a limited company, such as administrative tasks, legal requirements, and accounting fees. It’s crucial to evaluate your individual financial situation, investment goals, and consult with a financial adviser or accountant to determine if buying property through a limited company is the most suitable strategy for you.
