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Limited Company Mortgages

Operating as a limited company has increased in popularity since 2017 when the Government began reducing tax relief for individual property investors. Limited company landlords are able to claim 100% mortgage interest relief and also benefit from the lower rates of Corporation Tax paid on profits compared to Income Tax paid on earnings generated from rental income.

FIND THE BEST DEAL

Our whole of market status means we can offer you a variety of buy to let mortgage rates from a vast group of lenders. All with a selection of products available to limited companies operating as SPVs or trading companies.

60% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.14%
2 year discounted rate
2% lender arrangement fee (can be added to the loan)
  • First time landlords accepted.
  • Interest only and repayment options.
  • Available on properties in England and Wales including new builds.
  • Expats and foreign citizens accepted.
  • Rental calculation from 125% at 5.50%.
  • EPC rating specific product.

Subject to status and further lending criteria apply.
No Fees - 2.94%
2 year fixed rate
No lender arrangement fees
  • Free valuation.
  • For purchases or remortgage.
  • Interest only and repayment.
  • Available to properties in England, Wales and mainland Scotland.
  • New builds acceptable.
  • Foreign citizens considered.
  • Age from 21 years to no upper age limit.
  • Rental calculation from 125% at 4.50%.

Subject to status and further lending criteria apply.
Best Deal - 3.28%
5 year fixed rate
1.5% lender arrangement fee (can be added to the loan)
  • Free valuation.
  • Available to properties in England, Scotland and Wales.
  • New builds acceptable, including flats.
  • Foreign citizens considered.
  • Rental calculation from 125% at 3.58%.

Subject to status and further lending criteria apply.
65% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.14%
2 year discounted rate
2% lender arrangement fee (can be added to the loan)
  • First time landlords accepted.
  • Interest only and repayment offered.
  • Available on properties in England and Wales including new builds.
  • Expats and foreign citizens accepted.
  • Rental calculation from 125% at 5.50%.
  • EPC rating specific product.

Subject to status and further lending criteria apply.
No Fees - 2.94%
2 year fixed rate
No lender arrangement fees
  •  Free valuation
  • For purchases or remortgage.
  • Interest only and repayment.
  • Available to properties in England, Wales and mainland Scotland.
  • New builds acceptable.
  • Foreign citizens considered.
  • Age from 21 years to no upper age limit.
  • Rental calculation from 125% at 4.50%

Subject to status and further lending criteria apply.
Best Deal - 2.75%
5 year fixed rate
1.5% lender arrangement fee (can be added to the loan)
  • Maximum property value of £2 million.
  • Available to properties in England and Wales.
  • Foreign citizens considered.
  • Personal, SPV Limited Company, and Limited Liability Partnerships.
  • Minimum 12 month rental experience required.
  • Rental calculation from 125% at 2.75%, (additional terms apply).

Subject to status and further lending criteria apply.
70% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.14%
2 year discounted rate
2% lender arrangement fee (can be added to the loan)
  • First time landlords accepted.
  • Interest only and repayment offered.
  • Available on properties in England and Wales including new builds.
  • Expats and foreign citizens accepted.
  • Rental calculation from 125% at 5.50%.
  • EPC rating specific product.

Subject to status and further lending criteria apply.
No Fees - 2.94%
2 year fixed rate
No lender arrangement fees
  • Free valuation.
  • For purchases or remortgage.
  • Interest only and repayment.
  • Available to properties in England, Wales and mainland Scotland.
  • New builds acceptable.
  • Foreign citizens considered.
  • Age from 21 years to no upper age limit.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.
Best Deal - 2.49%
5 year discounted rate
£1499 lender arrangement fee (can be added to the loan)
  • Mortgage is portable.
  • Properties located in England and Wales acceptable.
  • New builds acceptable.
  • Rental calculation from 130% at 5.49%.
  • Applicants with adverse credit considered (additional terms apply).

Subject to status and further lending criteria apply.
75% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.14%
2 year discounted rate
2% lender arrangement fee (can be added to the loan)
  • First time landlords accepted.
  • Interest only and repayment offered.
  • Available on properties in England and Wales including new builds.
  • Expats and foreign citizens accepted.
  • Rental calculation from 125% at 5.50%.
  • EPC rating specific product.

Subject to status and further lending criteria apply.
No Fees - 2.94%
2 year fixed rate
No lender arrangement fees
  • Free valuation.
  • No lender arrangement fees.
  • For purchases or remortgage.
  • Interest only and repayment.
  • Available to properties in England, Wales and mainland Scotland.
  • New builds acceptable.
  • Foreign citizens considered.
  • Age from 21 years to no upper age limit.
  • Rental calculation from 125% at 4.50%.

Subject to status and further lending criteria apply.
Best Deal - 2.49%
5 year discounted rate
£1499 lender arrangement fee (can be added to the loan)
  • Free valuation.
  • No lender arrangement fees.
  • For purchases or remortgage.
  • Interest only and repayment.
  • Available to properties in England, Wales and mainland Scotland.
  • New builds acceptable.
  • Foreign citizens considered.
  • Age from 21 years to no upper age limit.
  • Rental calculation from 125% at 4.50%.

Subject to status and further lending criteria apply.
80% LOAN TO VALUE
Product Fees Further info
Best Rate - 3.49%
2 year fixed rate
£995 lender arrangement fee (can be added to the loan)
  • Free valuation.
  • Mortgage is portable.
  • Overpayments allowed.
  • Available in England, Scotland and Wales.
  • First time landlords acceptable.
  • Rental calculation from 125% at 5.50%.
  • EPC rating specific product.

Subject to status and further lending criteria apply.
No Fees - 3.85%
5 year fixed rate
No lender arrangement fees
  • Free valuation.
  • For purchase and remortgage.
  • Interest only and repayment options.
  • No lender arrangement fees.
  • Available to properties in England, Scotland and Wales.
  • New builds acceptable.

Subject to status and further lending criteria apply.
Best Deal - 3.74%
5 year fixed rate
£995 lender arrangement fee (can be added to the loan)
  • Free standard valuation.
  • Mortgage is portable.
  • EPC rated product, A – C properties only.
  • Property must be in England, Scotland or Wales.
  • New builds acceptable.
  • Foreign citizens considered.
  • Applicants minimum age of 21, to no upper age limit.
  • Rental calculation from 125% at 4.99%

Subject to status and further lending criteria apply.
85% LOAN TO VALUE
Product Fees Further info
Best Rate - 4.64%
2 year fixed rate
1.5% lender arrangement fee (can be added to the loan)
  • Interest only and repayment offered.
  • Max loan of £1 million.
  • Available in England, Scotland and Wales.
  • Non residential owners and first time landlords considered.
  • New build properties acceptable.
  • Age 21 to 70 years at application.
  • Let to buy acceptable.
  • CCJs accepted older than 24 months.
  • Rental calculation from 125% to 6.64%.

Subject to status and further lending criteria apply.
No Fees - 4.79%
2 year fixed rate
No lender arrangement fees
  • No lender arrangement fees.
  • No limit on background portfolio.
  • Interest only and repayment available for the mortgage term.
  • New builds acceptable.
  • New build flats acceptable (subject to additional terms).
  • Available to properties in England and Wales.
  • Expats and foreign citizens accepted.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.
Best Deal - 4.79%
2 year fixed rate
No lender arrangement fees
  • No lender arrangement fees.
  • Free basic valuation (England and Wales only).
  • £1000 cashback (additional terms apply to qualify).
  • Available to properties located in England, Scotland, Wales and Northern Ireland.
  • New builds accepted.
  • Non residential owner owner and first time buyer considered.
  • Foreign nationals with full rights to reside accepted.
  • Rental calculation from 125% at 6.79%.

Subject to status and further lending criteria apply.

Can a Limited Company Take Out a Mortgage?

Yes, however the company must be set-up as one of the following:

  • Special Payment Vehicle (SPV) – a company created for a specific purpose, in this instance for the purchase and management of Buy to Let properties.
  • Trading Company – typically an existing company looking to invest in a Buy to Let property to add to a current portfolio of assets.

If you’re thinking of incorporating an existing Buy to Let property into a new limited company, we recommend you speak to an experienced tax adviser before making any decisions.

More Mortgage Choice

Our independent team of advisers at Vincent Burch Mortgage Services have access to the best limited company mortgage rates on the market, from a range of specialist lenders. We have experience in finding buy to let limited company mortgages for SPV and trading companies as well as private individuals seeking to transfer an existing rental property into a limited company set-up.

Our friendly team will give you expert advice and guide you step by step towards the right finance deal for your business, call 01603 856936 or email [email protected]

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