22 Linden Avenue, Ruislip
London, HA4 8UA

Info@thebespokemortgagebusiness.com

www.thebespokemortgagebusiness.com

020 3972 9333

Trustpilot

Ltd Company Buy To Let

Following many changes in this sector specifically to the tax changes, we have seen limited company buy to let mortgages become more and more popular.

As of 2020 tax relief on buy to let properties will be limited to the basic rate for mortgage interest payments. Of course, we encourage you to seek specialist tax advice, but this is the route most investors are taking when buying an investment property nowadays.

A Special Purpose Vehicle (SPV) is a separate legal entity created by an organization. The SPV is a distinct company with its own assets and liabilities, as well as its own legal status. Usually, they are created for a specific objective, often which is to isolate financial risk.

Most Lenders prefer the company to be a special purpose vehicle (SPV) however there are lenders that will lend to an existing trading company but the options here are restricted.

We offer mortgages on a wide range of limited company structures, whether it be a SPV, existing trading company, a holding company or perhaps a company held offshore. Whatever the case, we can provide options and bespoke advice on all situations.

Limited company mortgage products are generally more expensive than personal buy to let products, as in turn you have the tax advantages of writing your costs off a limited company structure. However, more and more lenders are entering this market space resulting in increased competition with one another therefore driving rates down.

Our knowledge in this area is what sets us apart from other brokers. We will advise you accordingly, recommend the best products available, ensure you understand the process and what the lenders requirements are. We can help in setting up a new company or advise on how best to move forward on an existing company you may own. This is a specialist area and a common part of our business, so we will ensure you have been provided the relevant information and make the process as easy as possible for you.

MOST FORMS OF BUY TO LET MORTGAGE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.