Limited Company Buy to Let Mortgages Explained
With the increasing squeeze on Buy to Let investors, it’s understandable that property investors are looking for ways to reduce their costs and improve their profits.
There are many benefits to buying a property through a Limited Company. Not only are there potential tax savings, but it can also reduce your liabilities. We discuss the pros and cons of buying through a Limited Company in our detailed Guide.
Generally speaking, you won’t find many lenders on the high street who will lend to Limited Companies. So, your choice of mortgage deals probably won’t be as wide as if you purchased the property in your personal name.
However, there are several mortgage products on the market specifically designed for property letting companies. You can access these by speaking to an experienced Mortgage Adviser like Your Mortgage Expert.
With a more complex mortgage, it is more important than ever that you weigh up all the costs to ensure you get the right return on your investment. We will do all the calculations for you and carry out detailed research across multiple specialist lenders.
You are more likely to get a positive outcome if you use an expert like us. Contact us for Limited Company Buy to Let mortgage advice and let us do the hard work for you.
We would always recommend you explore your options fully with your Accountant or a Tax Expert to ensure you make the right decisions for you. Running a limited company is a long-term commitment and it benefits from careful planning and number crunching.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How we work
- Take time to get to know you and your intentions
- Personalised, hard working service
- Close relationships with specialist lenders
- Detailed research to ensure you save money
- Take care of the paperwork to minimise stress
- The experience to get a good result for you
Why choose us?
We are not like other brokers. We have over 80 years of experience in the mortgage and protection industry. Our clients include portfolio landlords, single property investors and Limited Company landlords. We have the expertise to make the difference for you. We have particular experience with working with Contractors and Self Employed people.
We have over 80 five star reviews on Google and over 90 verified reviews on VouchedFor. And we would love to work hard for you.
To speak to a member of the mortgage advice team about your Limited Company Buy to Let Mortgage ring Your Mortgage Expert now on 01722 322683. Or complete a contact form using the link below.
Meet the team
Our small, friendly team is based in the heart of Salisbury, Wiltshire. But we can help you no matter where you live in the UK. Sometimes it’s nice to put a name to a face. So if you want to find out more about us, visit our Meet the Team page.
Our team has:
- Over 80 years of experience in the mortgage and protection industry
- All members of our customer facing team have mortgage qualifications
- We have over 80 five-star reviews on Google
- Have helped hundreds of Buy to Let investors
Dan Harris - Mortgage AdviserDan Harris first started working in mortgages in 2004. Since then, he has helped lots of people to remortgage. Dan has great attention to detail and will do the hard work to ensure you get the best recommendation.
Adam Nanson - Mortgage AdviserAdam Nanson has worked in the Mortgage Industry for over 20 years. He has expertise with working with Contractors and Self Employed individuals. He'll work hard to get the best rate for you.
“This was knight in shining armour stuff. Our conscientious mortgage broker was a delight to deal with from the off and the key to our dream home.”
Max and Martha, First Time Buyer customers from Cardiff
“Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”
Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury
“I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me. During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field. This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”
Andrew and Helen, Armed Forces Mortgage Customers from Salisbury
“Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”
Fiona and Graham, Armed Forces Mortgage Customers from Wilton
“As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”
Andrea, Contractor Mortgage Customer from Warminster
“I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”
Matt, Contractor Mortgage Customer from Southampton
“Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”
Hannah and Steve, Protection Insurance Customers from Stamford
“Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”
Saul and Laura, Home Mover Mortgage Customers from Salisbury
“Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”
Mike and Bethan, First Time Buyer Mortgage Customers from London
“Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”
Chris, Help to Buy Mortgage Customer from Southampton