Limited Company Buy to Let and Mortgages

Limited Company MortgagesWith some banks actively asking businesses to refinance and Limited Companies only welcome to knock on the door of a small handful of lenders in the Buy to Let market refinancing your portfolio in Company name can be very challenging. That’s where our specialist will help. With access to specialist products (some only available to expert commercial brokers, some available more widely) you are sure to find the right product if it’s available. ProBuytoLet ensures you can refinance your portfolio or purchase new property at the lowest rates or the highest loan size available on the market for Limited Company Mortgages. If it’s possible to obtain your mortgage then your adviser will be able to achieve it as we operate a whole of market panel — no available lenders are overlooked!

What Types of Property Can Be Purchased or Refinanced?

The simple answer is that our specialist brokers can obtain buy to let or mortgage finance on almost any type of property owned by a limited company. Some of the most popular types of limited company mortgage are:

  • Fast, no obligation quote on the phone
  • Mortgages on Flats Above Commercial Premises
  • Limited Company Buy to Let Mortgages
  • Houses In Multiple Occupancy (HMO) Mortgages
  • Shops, Retail Units, Restaurants & Pubs
  • Offices
  • Leisure Facilities
  • Almost all Industrial Units
  • Care & Nursing Homes… and many more!

As a specialist broker several lenders are available that only deal with experts in Limited Company Mortgages. This means we really do have a whole of market service and are able to find you the best deal through high business levels and close relationships with a number of lenders. Why not call us free now or fill in our short form below.

Contact us now and put your Limited Company property portfolio back on track.

Just complete this short form below and we will analyse your requirements and allocate your request to a specialist LTD Company mortgage consultant who will contact you within 48 hours (usually sooner) to provide a no obligation quotation.

Why Invest Using a Limited Company?

Given that it is more difficult to get a Ltd Company Mortgage one might reasonably ask why it’s such a popular means for landlords to own their property. There are in fact a number of reasons. One of the primary reasons is taxation. It allows separation between personal and business taxes as well as different treatment of things like dividends and retained profit for tax purposes than straightforward personal income. You should consult your tax specialist before purchasing your next property and see what the benefits are for you.

The second big advantage to Limited Company Buy to Let is simply that as with all Ltd Companies your liabilities are simply limited to the value of your share in the Company. Unless you have given personal guarantees or acted in a manner which exposes you legally you can walk away losing no more than the Company should it become insolvent and go out of business.

Succession planning is also more straightforward with a Ltd Comapany. A father and mother could sell 10% of the company to their daughter as part of a gradual plan to allow her to take over their business when they retired. Selling 10% of a property owned in their joint names might prove problematic at best, impossible at worst should no lender be willing to consent to such a thing.