Buy to let
Buy to let
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Buy to Let Mortgages
With new regulatory changes surrounding lenders rental calculations and new lenders entering the market, expert advice could be invaluable when sourcing the correct BTL mortgage. We have many exclusive mortgages that can only be found through specialist brokers’ like ourselves as well as the 'off the shelf' products that are found on the high street.
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Limited Company & SPV Mortgages
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Higher Tax Relief - Paying corporation tax on a limited company (which will be 18% by 2020) could be more beneficial than paying income tax on the property without the tax relief that has historically applied.
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Personnel funds can be drawn back out of the company – Any funds that you inject into your Limited Company. (e.g. mortgage deposit) can be drawn back out by way of directors loan.
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No income tax when reinvesting profits to secure more properties – Generally you will be able to grow BTL portfolio more quickly within a Limited Company. as there will be no income tax on the retained profit, meaning more cash to re-invest.
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Higher Mortgage Rates – Generally speaking most lenders charge higher interest rates and fees for limited company mortgages compared to personal Buy to Let mortgages
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No Capital Gains tax allowance – Whereas an individual selling a personal Buy to Let property would benefit from the allowance at the prevailing rate at the time of sale.
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Additional costs of running a Limited Company - such costs include the preparation of accounts, company tax and corporation tax calculations for HMRC, filing at Companies House, legal fees, and annual auditing if applicable.
Call us now on 01908 299371 for expert, whole of market mortgage advice.
Our Process
Free, Impartial Mortgage Advice

Compare The Market

Manage Your Application

House of Multiple occupation
Call us now on 01908 299371 for expert, whole of market mortgage advice.