Limited Company Buy To Let Mortgages
Looking to hold your buy to let in a limited company? We can assist.
Limited company buy to let mortgages are available from many lenders, from high street banks and building societies to specialist, broker-only lenders.
As a professional buy to let mortgage broker, we can secure terms otherwise unavailable on the high street.
Furthermore, we understand the buy to let market and options available to you both inside and outside of a limited company.
Kerr & Watson can work alongside your accountant to give the options and costs for them to weigh up any potential tax saving so they can recommend whether this is the best option for you or not.
What is a limited company buy to let mortgage?
A limited company buy to let mortgage is where you finance a buy to let property through a limited company. The limited company can be either a standard trading company or a special purpose vehicle, in place solely for property investment.
Are there additional costs when buying a property within a limited company?
Any property being bought within a limited company would be liable to Stamp Duty Land Tax at the normal rate, in addition to the additional property uplift.
You may also find that mortgage and solicitor costs can be higher.
How long does the company have to Have Been set up for Before Qualifying For A Mortgage?
The limited company needs to be registered on Companies House for a mortgage lender to consider an application. Lenders can consider brand new companies.
Buy to Let Mortgage calculator
Calculate your borrowing potential with our affordability calculator.
Identify what your monthly repayments would be with our repayment calculator.
Confirm your Stamp Duty costs with our Stamp Duty calculator.
Your Mortgage In 3 Easy Steps…
Conversation
Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.
Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.
Research
We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.
If you would like an agreement in principle, we’ll also arrange this for you.
Application
We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.
We will also communicate with you at every stage, from application to completion.
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