LIMITED COMPANY BUY TO LET (BTL) MORTGAGES

How we can help

We work alongside your accountant to ensure you have the most tax efficient and cost efficient mortgage for your property. In this particular arena we have two routes to market, The Mortgage Branch and our sister company The Commercial Branch, giving us access to over 300 lenders, which is hard to come by in the broking world.

This is a second business or income stream alongside your main employment, Understanding your business plan and goals we strive to find you the solution to ensure you hit those goals, as well as completing all lender paperwork and lender chasing, so you can concentrate on the business or your family.

Commercial and Development Loans are not regulated by the Financial Conduct Authority.

Some buy-to-let mortgages are not regulated by the Financial Conduct Authority

Your property may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £495.

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.

Protecting your bottom line, with limited company mortgages made simple.

As more people are advised by their accountants to buy or even transfer property into Limited Companies the mortgage market is opening up to new lenders offering this mortgage option. It is important to understand the difference in cost between a personal BTL mortgage option and Limited Company BTL option as rates and lender fees can vary significantly based on the type of borrowing applied for.

We advise that you get suitable advice from a qualified accountant to determine which will be the best purchase option for your circumstances before committing to purchasing the property in your own name or via a Limited Company.

We’ll support you with round-the-clock service, right through to completion.

FAQs.

What is the best way to buy a property for investment purposes?

The best way to buy a property for investment purposes is to consider factors such as location, potential rental income, and market trends. We will always advise clients to conduct thorough research, consult with relevant experts, and ensure you have a solid financial and business plan in place prior to making any commitment to purchase a property via the use of a Limited Company.

Do landlords need life insurance for buy to let mortgage?

Yes, Landlords will need to have at least Buildings Insurance in place to satisfy the lenders offer requirements as well as to protect their investment. There are also a number of other Landlord insurance options that are well worth exploring and we would advise discussing these with your broker as part of the mortgage advice and application process.

To discuss your options, call us today on 01242 696235

When you put down roots, so do we.

Working with our long-standing charity partner, Gloucestershire Wildlife Trust, we pledge to plant a tree in your name when your mortgage completes.