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VAT Loans

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When buying a commercial property which is fewer than three years old, the purchase will attract value added tax (VAT) on the purchase price at the prevailing rate, which is currently 20%. If the commercial property is older than three years, however, and if the current owner has opted to tax the property, standard rate VAT will also be applied. As a VAT registered company, you can claim back the 20% tax after a lengthy period of time.

However, 20% is a sizeable chunk of any budget and for the purposes of cash flow and financial stability, it can be a limiting factor in any business project as, traditionally, commercial lenders will not include VAT in their loan calculation, leaving borrowers to fund the extra cost. A proposed solution of offering the VAT sum amount upfront, by means of a loan, can ease client liquidity and ensure the safe completion of their project. We work with trusted specialists who can do this for you.

What do you need to know about VAT Loans? 

When purchasing a commercial property, having to add VAT as well as stamp duty to the purchase price can be very limiting for investors. This is where VAT invoicing can come in and relieve some of the financial pressure. Commercial property owners can opt to tax, charging VAT when selling or leasing their property, the new owner must then pay VAT on the purchase price. If an option to tax is exercised by the owner of the property, they can then charge VAT on all supplies they make relating to that property, including when they choose to sell the property. Businesses are then able to claim back VAT on incurred costs such as refurbishment.

How can Enness help with VAT Loans?

Enness works with a trusted partner who can provide VAT loans to clients; covering the VAT bill upfront, whilst you wait to be reimbursed by HMRC. To discuss your purchase with one of our expert brokers, get in touch and we would be delighted to chat through your options and refer you to our partner as appropriate.

Call us +44 (0) 203 758 9393 or submit your details and a broker will get in touch.

Enness Limited needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, please review our Privacy Policy.

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Mortgages
  • High Value Mortgages
  • Bridging Finance
  • International Mortgages
  • Complex Mortgages
  • Specialist Finance
  • Securities-Backed Financing
  • Mortgage Services for Private Client Advisers
Insights
  • Case Studies
  • Blog
  • Press
  • Guides
  • Video Library
  • Webinars
  • Our Best Mortgage Products - February Edition
About Us
  • Overview
  • Testimonials
  • Careers
  • Meet The Team
  • Contact
  • Covid-19 update

Industry News Signup

Keep up to date with all the latest market news and mortgage advice

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Important Information

Enness Limited is directly authorised and regulated by the Financial Conduct Authority.
You can check our details on their public register through fca.org.uk using our firms’ reference number 565120. Registered address: 116 Baker Street, London, W1U 6TS. Registered in England and Wales under Company No. 07760090

Enness (Jersey) Limited is an unregulated company registered in Jersey with the company number 127668. Our registered address is Office 17, First Floor, International Finance Centre 5, The Esplanade, St Helier, Jersey, JE2 3BY.

Enness International SARL is registered in Monaco. It is authorised to conduct activities relating to strategy, business development and public relations with regards to projects in connection with the Enness Group. It does not give banking or financial advice and the information contained on this website is not an invitation to buy or sell securities.

Enness Mortgages LLC is incorporated in the International Free Zone Authority in the United Arab Emirates, under Licence number K54351DCS. It is a limited liability company authorised to carry out mortgage consultancy business within International Free Zone Authority in the United Arab Emirates. Registered address: Kidnah, Block A, Plot 4, Fujairah, UAE. 

Enness (Switzerland) GmbH, who’s registered office is located in Feusisberg Switzerland, is authorised to conduct activities in regards to marketing and business development with regards to projects in connection with Enness Group. It does not give banking or financial advice and the information contained on this website is not an invitation to buy or sell securities.

IF YOU’RE CONSIDERING CONSOLIDATING DEBT AGAINST YOUR MAIN HOME, THEN PLEASE THINK CAREFULLY BEFORE SECURING OTHER DEBTS 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.

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