Contact one of our experienced Limited Company Mortgage Brokers and discuss your Buy to Let Limited Company mortgage lending requirements. We are experienced in all types of Limited Company Buy to Let, whether Portfolio Landlords to First Time Landlords, large or small, own name or via a Limited Company, or where there is a Trust involved.
Contact us for a free, no obligation conversation on how we can help you.
Operating a buy-to-let 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.
We will contact you to Advise on the latest rates, 8-8pm Mon-Thursday & 8-5pm Friday
Our clients rate our expertise, with 98% of them recommending our services.
Whether you are a first-time landlord, or an experienced property investor, our typically no-fee* service means you have nothing to lose by submitting an enquiry.
Being ‘whole of market’ means we can offer you a variety of buy-to-let mortgage rates. 100+ lenders, offering 1000s of mortgage products. All with a selection of options available to limited companies operating as SPVs or trading companies.
Lender products are updated regularly so please contact us for the latest offers available.
Yes, however the company must be set-up as one of the following:
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. Our partners at GetGround are offering all Vincent Burch clients and enquiries a free consultation – find out more here.
Our independent team of brokers 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.
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).
Yes, it is possible to get a mortgage as a limited company. These mortgages can start from around 85% LTV but are usually transacted at 75% LTV. Mortgage rates will vary and can be offered at both fixed and variable rates, this will depend on your deposit and credibility of your limited company when applying.
If you purchase a residential dwelling, then usual stamp duty is payable in the same way as if you purchased in your own name. If the property is the first property that the Company owns, it is still usually treated as under second residential property for Stamp Duty purposes. However, if you purchase a commercial or mixed-use property then stamp duty is not payable.
Yes, a limited company can purchase buy-to-let property – the mortgage can be either full capital & repayment, or interest only. Interest only is most peoples preferred option for buy to let mortgages, which means you only have to pay the interest amount each month. However, just paying the interest only amount means you are not paying back the mortgage balance at the end of the term.
The main reason for purchasing a property via a limited company is due to tax efficiency. As a higher-rate taxpayer letting a property as a private individual, you pay as much as 45% tax on your rental income, and you cannot offset the mortgage costs against the rental income for tax purposes in your own name.
Please ensure you speak with an accountant who is qualified to give you tax advice, for your circumstance.