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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.

Lender products are updated regularly so please contact us for the latest offers available.

60% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.29%
2 year discounted rate
£1300 lender arrangement fee (can be added to the loan)
  • Repayment and interest only options available.
  • Available on properties in England and Wales.
  • Considered property types include: purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys.
  • Purchase and remortgage.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.
No Fees - 2.90%
2 year discounted rate
No lender arrangement fees
  • Mortgage is portable.
  • Rental calculation from 125% at 5.50%.
  • Considered property types include: new builds, freehold flat, purpose built flat, converted flat, flat over shop, studio flat, flying freehold, thatched, timber framed, listed building.
  • Repayment and interest only options available.
  • Available on properties in England and Wales.

Subject to status and further lending criteria apply.
Best Deal - 2.77%
5 year fixed rate
£1995 lender arrangement fee (can be added to the loan)
  • Free valuation (subject to additional terms).
  • Available on purchase or remortgage.
  • Available to properties in England, Wales and Scotland.
  • Foreign citizens accepted.

Subject to status and further lending criteria apply.
65% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.29%
2 year discounted rate
£1300 lender arrangement fee (can be added to the loan)
  • Repayment and interest only options available.
  • Available on properties in England and Wales.
  • Considered property types include: purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys.
  • Purchase and remortgage.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.
No Fees - 2.90%
2 year discounted rate
No lender arrangement fees
  • Mortgage is portable.
  • Rental calculation from 125% at 5.50%.
  • Considered property types include: new builds, freehold flat, purpose built flat, converted flat, flat over shop, studio flat, flying freehold, thatched, timber framed, listed building.
  • Repayment and interest only options available.
  • Available on properties in England and Wales.

Subject to status and further lending criteria apply.
Best Deal - 2.77%
5 year fixed rate
£1995 lender arrangement fee (can be added to the loan)
  • Free valuation (subject to additional terms).
  • Available on purchase or remortgage.
  • Available to properties in England, Wales and Scotland.
  • Foreign citizens accepted.

Subject to status and further lending criteria apply.
70% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.29%
2 year discounted rate
£1300 lender arrangement fee (can be added to the loan)
  • Repayment and interest only options available.
  • Available on properties in England and Wales.
  • Considered property types include: purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys.
  • Purchase and remortgage.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.
No Fees - 2.99%
2 year fixed rate
£1300 lender arrangement fee (can be added to the loan)
  • £500 cashback (subject to additional terms).
  • Let to Buy accepted.
  • Available to properties in England, Wales and Scotland.
  • Considered property types include: purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys.
  • Foreign citizens considered.
  • Rental calculation from 110% at 5.90%

Subject to status and further lending criteria apply.
Best Deal - 2.88%
5 year fixed rate
£1249 lender arrangement fee (£999 can be added to the loan)
  • Let to Buy accepted.
  • Accepted locations England and Wales.
  • Considered property types include: new builds, freehold flat, purpose built flat, converted flat, flat over shop, flying freehold, thatched, timber framed, listed building.

Subject to status and further lending criteria apply.
75% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.29%
2 year discounted rate
£1300 lender arrangement fee (can be added to the loan)
  • Repayment and interest only options available.
  • Available on properties in England and Wales.
  • Considered property types include: purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys.
  • Purchase and remortgage.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.
No Fees - 2.99%
2 year fixed rate
£1300 lender arrangement fee (can be added to the loan)
  • £500 cashback (subject to additional terms).
  • Let to Buy accepted.
  • Available to properties in England, Wales and Scotland.
  • Considered property types include: purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys.
  • Foreign citizens considered.
  • Rental calculation from 110% at 5.90%

Subject to status and further lending criteria apply.
Best Deal - 2.89%
5 year fixed rate
1.25% lender arrangement fee (can be added to the loan)
  • £300 cashback (subject to additional terms).
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys.
  • For properties in England and Wales.
  • Rental calculation from 125% at 2.89%.

Subject to status and further lending criteria apply.
80% LOAN TO VALUE
Product Fees Further info
Best Rate - 2.99%
2 year discounted rate
2% lender arrangement fee (can be added to the loan)
  • Repayment and interest only options available.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys, listed building.
  • For properties in England, Wales and select locations in Scotland.
  • Foreign citizens and expats accepted.
  • Rental calculation from 125% at 2.89%.

Subject to status and further lending criteria apply.
No Fees - 3.85%
5 year fixed rate
No lender arrangement fees
  • Free valuation, and £350 cashback (subject to additional terms).
  • 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 (subject to additional terms).
  • 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 - 3.79%
2 year fixed rate
2.50% lender arrangement fee (can be added to the loan)
  • First time landlords accepted.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys, listed building.
  • Rental calculation from 125% at 5.50%.

Subject to status and further lending criteria apply.
No Fees - 4.79%
2 year fixed rate
No lender arrangement fees
  • No limit on background portfolio.
  • Interest only and repayment available for the mortgage term.
  • First time landlords accepted.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, studio flat, flying freehold, thatched, timber framed, flat over 4 storeys, listed building.
  • For properties in England, Wales and select locations in Scotland.

Subject to status and further lending criteria apply.
Best Deal - 4.89%
2 year fixed rate
No lender arrangement fees
  • Free basic valuation (subject to additional terms).
  • £1000 cashback (additional terms apply to qualify).
  • Available to properties located in England, Scotland, Wales and Northern Ireland.
  • Considered property types include: new build, purpose built flat, converted flat, flat over shop, maisonette, thatched, timber framed, flat over 4 storeys, listed building.
  • EPC rating specific product.

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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