• Limited Company Mortgages
• Buy to Let
• Purchase & Remortgage
• To 85% LTV
• Repayment & Interest Only
• Professional Landlords Considered

Limited Company Buy to Let

A number of our Buy to Let landlord customers have approached us in recent years to arrange a buy to let mortgage on a property that is to be purchased/already owned by a Limited Company (Ltd Co).

They typically tell us they have been advised by their accountant/tax adviser to purchase/own the property as a Limited Company rather than an individual. This is usually down to the recent tax changes whereby individuals can no longer claim 100% of their mortgage payments as tax deductions against their rental income, whereby if the property is owned by a Limited Company this may be possible.

Clients have told us that they may have approached their own Bank/Building Society for a buy to let mortgage on a property to be owned by/already owned by a Limited Company and have been declined purely because the property is not owned by one or more individuals.

Clients approaching us to arrange a buy to let mortgage on a property owned by an Limited Company are often frustrated, that although their plans make sense, they have spoken to a number of lenders who will simply not consider a mortgage because of the property is not owned by one or more individuals.