Company Buy to Let Mortgages
Looking to buy or refinance a rental property?
We have access to some of the most competitive company buy to let mortgages with up to 85% LTV
Landlords come in many different guises… first-time landlords, ‘accidental’ landlords and experienced investors.
What is a Company Buy To Let Mortgage?
Company buy to let mortgages are generally for landlords that wish to buy, sell or manage property through a Limited Company.
There are different company structures and it is strongly recommended that you seek specialist advise from your accountant or tax adviser to determine the right legal structure for you.
Typically this is done through either a company that’s already set up to buy, sell or manage property of through an SPV (Special Purpose Vehicle).
Unlike a traditional buy to let mortgage where the property is owned by an individual, company buy to let mortgages are not regulated by the Financial Conduct Authority (FCA).
How do Company Buy To Let Mortgages work?
Company buy to let mortgages work in the same way as a standard buy to let mortgage, save that you will need a company structure
Both fixed or variable rate mortgages are available. A fixed-rate mortgage allows the borrower to plan monthly expenditure, whilst a variable rate mortgage has the advantage of a potentially decreasing monthly repayment.
A buy to let mortgage enables the property to be rented with the mortgage repayments covered by the rent generated by the tenant, usually through an Assured Shorthold Tenancy (AST).
Buy to let mortgages cannot be used for Holiday Lets or Serviced Accommodation properties, without the lenders permission as the tenancy type is different to an AST.
Some benefits of using us
Property valuations, insurances, legal support and much more are available through our Business Support Services.
We will fully package and submit your buy to let mortgage proposal to ensure the most competitive rates and terms and ensure that your funding application is processed quickly and efficiently in order that funds are available in the shortest possible time.
Our offer
We offer our clients a true ‘one stop shop’ facility, our core competence is to provide you a fully managed and professional service that secures the most competitive funding offer available from the entire market.
Whatever your property finance requirements, we offer a free, impartial and totally confidential initial consultation and will quickly assess your funding options.
