If you already own a Limited Company and are looking to either refinance or purchase a new investment property, we understand that the process of getting a mortgage can be tough.
There are a range of options available for you and, for reasons that largely come down to tax efficiency, more and more investors are deciding to buy properties within a Limited Company. By speaking to an expert broker, we can connect you with Limited Company mortgage lenders, while supporting you from start to finish.
For more information, read our in-depth Guide to Buy-to-Let mortgages for Limited Companies.
(Information correct as of August 2018)
Send us your details and we will help find the mortgage that's right for you:
If your Limited Company receives money/income from any business or asset other than your Buy-to-Let property, then it is considered a Trading Company (not an SPV), which most lenders cannot accept.
Lenders typically prefer SPV mortgages as opposed to trading company mortgages, as the inclusion of other income streams and business channels via the company structure could introduce a higher element of risk.
The assessment criteria for the Limited Company Buy-to-Let mortgages can vary. The personal financial history of the director(s) will often be considered and lenders usually require the director(s) to personally guarantee the debt.
We have plenty of experience of working closely with Limited Company mortgage providers. Our combination of expert staff and access to the whole market allows us to offer impartial advice and support to help guide you through the finance options available to you as a Limited Company.
We also have access to a range of other trusted partnerships with professionals such as insurers, tax accountants and legal professionals. With the help of these partners and our staff, you can receive the whole service.