A Buy to Let Limited Company Mortgage is designed for individuals who want to purchase investment properties through a limited company rather than personally. This type of mortgage offers several benefits, including potential tax advantages and limited liability protection.
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When assessing Limited Company Buy-to-Let Mortgages, lenders look at:
They also look at the company’s financial health, earnings and reliability. They check the company directors’ financial background, including credit records. Market conditions and the company’s position also impact interest rates, lenders use this to decide how much and what terms for the company.
The choice of company-limited property investment through a buy-to-let mortgage can provide investors with various significant advantages. This is the way to help you carry out your investment goal through your property:
Yes, you can obtain a buy-to-let mortgage through a limited company. This is an increasingly popular choice among property investors due to potential tax efficiencies and more flexible profit retention. Among these, tax savings are the most significant ones, while the better the profit the more money there is for the company.
After reviewing the pros and cons it's important to seek expert advice from a qualified financial consultant can be a strategic step to setting the right approach.
Yes, a company will have to pay Stamp Duty Tax when purchasing a buy-to-let property like individual buyers. The company will pay SDLT based on the purchase price in line with the standard residential SDLT bands.
There's also a 3% surcharge on top for second homes or buy-to-let properties. This applies to both individuals and companies, with the higher rate added to the standard SDLT rate for each band.
Different rates and rules will apply for SDLT if the company buying the property is a commercial or mixed-use one.
Enness Global has extensive experience in arranging buy-to-let mortgages for limited companies. Our expert brokers can help you navigate the complexities of corporate financing, ensuring you find the best mortgage solutions tailored to your investment strategy.
Schedule A CallbackLocation: London, UK
Value: £8,500,000
Location: United Kingdom
Value: £3,342,000
Location: London, UK
Value: £2,600,000
