Depending on your situation, preferences and long-term property investment goals, it could be beneficial to begin your investment journey by setting up a limited company from the outset. As this decision will depend on personal needs and objectives, it is best discussed with a professional mortgage adviser from our team who specialises in this area.
Limited company Buy to Let mortgages
In some circumstances, it may be advantageous to use a limited company to purchase an investment property. Our experienced advisers help clients select the most suitable Buy to Let mortgage when purchasing through a limited company.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some Buy to Let mortgages are not regulated by the financial conduct authority.
Get in touch with our advisers today to discuss real opportunities for Buy to Let investors.
Get in touch
Get in touch
Profitable property investments
The path to profitable investments
More people are realising the opportunities to purchase investment property through a limited company. Using a company structure as a vehicle to buy property may come with a series of benefits, however, there can also be some downsides to this strategy. They are best discussed against your personal ambitions and objectives with a qualified mortgage adviser who has vast experience in this area. Our team of mortgage advisers have helped many clients across the UK make this important decision and then find the most appropriate limited company Buy to Let mortgage. We always consider individual needs when making recommendations, and we never copy and paste advice across clients.
- Call: 0115 870 9520
- Email: [email protected]
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Specialised limited company solutions
James Leighton’s team of mortgage advisers are experienced in assisting limited company property investors. We have helped many clients establish their limited company to purchase investment property with a mortgage, as well as seasoned limited company investors.
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Wide range of mortgage options
The James Leighton team have access to the Whole of Market for mortgages, including Limited Company Buy to Let mortgages, with over 90 lenders and 1000s of products. We also offer exclusive deals through our network, Quliter Financial Planning Limited, meaning we can maximise your Buy to Let options.
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Financial assessment and planning
Our service starts with a comprehensive financial assessment of your situation. This allows your mortgage adviser to make the most suitable plans for your property investment and limited company structure – and it’s all part of our service!
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Tax-efficiency strategies
We are happy to explain and discuss the tax-efficiency benefits of using a limited company to buy investment property. We’ll ensure you understand the benefits and inform you of any pending changes to tax laws when applicable.
Competitive mortgage rates
We aim to secure you the most competitive Limited Company Buy to Let mortgage rates to maximise your investment returns.
Things to consider
Requires a larger deposit
Most Limited Company Buy to Let mortgage products require the investor to put down a larger deposit than in other mortgage situations. You will need a deposit of at least 15% in most situations, but it’s better to put down a much greater deposit if possible. The greater your deposit, the greater the chance you will have of unlocking more competitive mortgage deals, which may come with lower interest rates or a greater degree of mortgage flexibility.
Things to consider
Stringent lender requirements
Each Buy to Let mortgage lender’s requirements can vary, but in general, you should expect stringent lending requirements as part of the process. This is true of all Buy to Let mortgage applications, but your adviser can help you navigate the requirements and find the most suitable mortgage for your exact needs. Most applications will be subject to stricter stress tests, which is for your financial safety and a measure of responsible lending.
Things to consider
Added costs and complexity
Using a limited company vehicle to buy investment property can offer a range of benefits, especially when it comes to taxation. However, setting up and operating a limited company also comes with additional costs, such as accounting services. These additional costs must be weighed up against projected (tax) benefits to make the right choice, which is what we will help you uncover to make the right choice.
Acquisition to success
Navigating the investment journey
Our Limited Company Buy to Let mortgage services are comprehensive and thorough. Our mortgage advisers offer a completely personalised service from start to finish. We have worked with property investors from across the UK to help them use a limited company as a vehicle to buy property, as well as investors already operating a limited company for this purpose.
We will provide you with all the tools and knowledge to make informed decisions about your mortgage and will support the decisions you make. While we manage your mortgage application, you will also be offered our other financial services which you may wish to take advantage of, enabling you to conveniently get everything you need under one roof.
- Call: 0115 870 9520
- Email: [email protected]
FAQs
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Are Limited Company Buy to Let mortgages suitable for first-time investors?
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What are the eligibility criteria for Limited Company Buy to Let mortgages?
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Each lender will have their own lending criteria for a Limited Company Buy to Let mortgage. You could be expected to put down a greater deposit to secure the mortgage and subjected to more restrictive affordability stress tests compared to standard residential mortgages. This is to protect the lender but also for your financial safety.
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How does tax treatment differ for Limited Company Buy to Let investments?
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Tax rules applied to Buy to Let investments held under a limited company structure are subject to different rules than if they were held personally. For example, limited companies don’t have to pay Capital Gains Tax when investments are disposed of. The tax rules are extensive and, because of that, we would always advise you to consult with a tax specialist.
Tax treatment varies according to individual circumstances and is subject to change.
New build mortgages
Navigate the new build mortgage market with our experienced and well-connected new build mortgage advisers.
Remortgaging
Allow us to help you find a better mortgage deal with our results-driven remortgaging advice and brokering services.
Home movers
Whether you’re upsizing or downsizing, our mortgage advisers can assist you in finding the most advantageous mortgage option.
First-time buyers
As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional patience throughout the process.
300,000+
is the number of companies set up as a vehicle to hold Buy to Let property*.
The number of companies has doubled since 2017 and now more than 40% of new Buy to Let purchases are now made through a company structure.
Sam Chung - Senior Mortgage Adviser
“We provide comprehensive solutions for property investors with complex requirements, empowering them to thrive in the UK property market.”
- Call: 0115 870 9520
- Email: [email protected]
Case study
Expanding a portfolio limited company buy-to-let
Client background: We’ve had the privilege of processing a mortgage application for two experienced property investors, specialising in property investment and management. Their goal was to expand their property portfolio by arranging multiple limited company buy-to-let (BTL) purchases and remortgages.
As portfolio landlords with multiple properties, they faced unique challenges in managing their investment portfolio.
The Challenges:
- Multiple limited company buy-to-let (BTL) purchases.
- Complex remortgages for existing properties.
- Extensive portfolio management.
What we did: We began by conducting a comprehensive portfolio assessment, delving deeply into their existing property holdings to gain a profound understanding of their unique investment goals. Drawing upon our specialised knowledge in buy-to-let mortgages, we identified lenders who align with the specific requirements of limited company buy-to-let purchases. Moreover, our services extend to tailoring remortgages for their current properties, strategically structured to release equity that can be channelled into future investments. To further enhance the experience for our clients, we offered solutions for streamlined portfolio management which not only maximises their returns but also ensures full compliance with the ever-evolving landlord regulations.
We offered solutions for streamlined portfolio management
What our customers say
Very good service and communication throughout the process.
