Limited company mortgages require specialist lenders, as the structure of these loans can be complex.
Who is a limited company mortgage for?
If you plan to buy a residential investment property through a limited company, the mortgage must be suitable for that company and property, subject to the lender's criteria. Landlords who own more than one property may find tax advantages in operating a buy-to-let portfolio through a limited company. These property investment companies are known as Special Purpose Vehicles (SPVs), and lenders have developed specific products for this type of lending.
Tax treatment varies according to individual circumstances and is subject to change.
SPV mortgage services
We can assist with the following, subject to lender criteria:
Selling your current property to your limited company Remortgaging a property within an SPV Buying higher-risk property through your company (for example, above a shop)
We do not advise on commercial mortgages, second-charge mortgages or bridging loans. We can refer enquiries about these products to a specialist broker.
Taxation advice and most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Think carefully before securing 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.