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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debts secured on it. Think carefully before securing other debts against your home. Buy to let (pure) and commercial mortgages are not regulated by the FCA. Vincent Burch Ltd is authorised and regulated by the Financial Conduct Authority, (FCA), registration number: 970713. * In most cases, no fee will be payable for our Advice. Depending on the size of the advance and/or complexity of the case, then a fee may be payable and your Adviser will confirm any fees upfront.

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Typically £0 - No broker fee

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The Latest Limited Company Mortgage Rates

We can offer you a selection of buy to let mortgage rates from our exclusive group of lenders. Available to limited companies operating as SPVs or trading companies.

Product	Fees	Further info
80% LTV 2.79% (Payrate), Fixed for 2 Years	2% Lenders Arrangement Fee	Interest Only available for mortgage term Standard rental stress in Limited Company, from 125% at 4.5% Unlimited properties in England, Scotland & Wales First time landlords acceptable First time buyers acceptable	Quote

75% LTV 1.99% (Payrate), Discounted variable for 2 Years	1.5% Lenders Arrangement Fee	Standard company rental stress from 125% at 5.5% Available on properties in England and Wales First time landlords acceptable Expats accepted Property EPC rating specific product	Quote

70% LTV 1.99% (Payrate), Discounted variable for 2 Years	1.5% Lenders Arrangement Fee	Standard company rental stress from 125% at 5.5% Available on properties in England and Wales First time landlords acceptable Expats acceptable Property EPC rating specific product	Quote

60% LTV 1.99% (Payrate), Discounted variable for 2 Years	1.5% Lenders Arrangement Fee	Standard company rental stress from 125% at 5.5% Available on properties in England and Wales First time landlords acceptable Expats acceptable Property EPC rating specific product	Quote

85% LTV 5.34% (Payrate), Fixed for 2 Years	1.5% Lenders Arrangement Fee	Available to landlords in England, Wales, Scotland & Northern Ireland Available to first time landlords, with no minimum income required From 21 years of age with no upper age limit Unlimited number of Buy to Let properties Standard rental stress in Limited Company, from 125% at 5.5% Can ignore adverse credit information after 24 months	Quote

65% LTV 1.99% (Payrate), Discounted variable for 2 Years	1.5% Lenders Arrangement Fee	Standard company rental stress from 125% at 5.5% Available on properties in England and Wales First time landlords acceptable Expats acceptable Property EPC rating specific product	Quote

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Advice that’s tailored to your own bespoke situation.

Enter your contact details and we will contact you, typically within 10 minutes (during normal business hours).

Matthew was extremely product knowledgeable. He found the right product for my circumstances in a concise and simple way. He was always on hand and his back up support helped an easy transition to completion. By far the most competent brokers in their field.

Meet a selection of our experienced team

Vincent Burch

Mortgage Director

Vincent first began work as a mortgage broker in 2002 with The Mortgage Practise, before mortgages were regulated. Regulation soon came by MCOB, FSA, and now both the FCA and PRA.

Vincent joined The Mortgage Times Ltd in 2003 as a Business Development Consultant. In 2004, he saw thorough the new introduction of mortgage regulation by the Financial Services Authority.

When The Mortgage Times then set up a Mortgage Adviser Network, Vincent became responsible for recruiting advisers in both London and Surrey. He also consulted with mortgage brokers on criteria for the many lenders processed in house by The Mortgage Times.

In 2006, Vincent set up his own directly authorised mortgage processing business. Since the financial market collapsed, he returned full circle back to mortgage advising, but is now based in the lovely city of Norwich.

Gary Boorman

Head of Large Loans

Gary Boorman started arranging mortgages 27 years ago working for The Woolwich Building Society. He then progressed to mortgage director of Aston & Associates estate agents in Norwich, before returning to The Woolwich as a financial adviser for investments.

Since 2014, Gary has specialised on buy-to-let mortgages for another mortgage advice firm, before joining Vincent Burch in the summer of 2017.

Andrew Bowles

Head of Buy to Let Mortgages

Andrew Bowles has worked within the finance industry for over 15 years, both as a broker and Mortgage Underwriter. This has provided him with a fantastic insight for helping first time buyers, as well as the ability to get you the best rate on your mortgage!

In the spring of 2015, Andrew started work with Vincent Burch. Since then, he has gained a thorough knowledge of the BTL market. Andrew also works with various skill sets of landlords, helping them purchase a first BTL or HMO through to portfolio landlords with 100s of properties.

When you are happy with our advice, we submit your full application and documentation

On completion, we are paid commission by the lender and this typically pays our £595 minimum fee. Any shortfall paid by the lender needs to be paid by the client on completion

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Setting up a property company for buy to let

Owning property in a limited company can offer some tax benefits to specific people – For example some people paying a higher rate of tax can find it more tax efficient, than personally owned buy to let properties.

We can help with limited company buy to let mortgages, for the following:

Up to 85% loan to value
Trading companies and SPV’s
UK and companies registered offshore
Day one trading companies with no accounts
No minimum income

What is a special payment vehicle company for mortgage lending?

Special payment vehicles (SPVs) are typically new day one trading companies set up to manage your buy to let mortgage portfolio.

What is a trading company for mortgage lending?

Trading companies are typically existing companies which are successfully trading in another area of business, and want to purchase investment property to add to their company capital asset value, etc.