Category: Limited Company Mortgages
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Case Study: Belfast SPV Buy-to-Let with Low Income
Introduction We recently helped our customers secure an SPV Limited Company buy-to-let mortgage to purchase a new-build flat in Belfast, Northern Ireland. Our customers were experienced property investors who wanted to purchase through a Special Purpose Vehicle (SPV) limited company. However, their relatively low personal income, combined with the property’s location in Northern Ireland, restricted… Read more
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Buy to Let Mortgage Lowest Deposit
Buy to Let Mortgages from 15% Deposit If you’re thinking about becoming a landlord or growing your property portfolio, the size of the deposit needed for a buy to let mortgage is likely high on your list of concerns. While many lenders require a substantial deposit, there are still opportunities to access buy to let… Read more
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Buying a Property as a Limited Company
Buying Property Through a Limited Company: Pros, Cons & Expert Advice Purchasing property through a limited company has become an increasingly popular option for property investors and landlords. With potential tax benefits, limited liability, and the ability to build a more flexible property portfolio, this route can be very appealing. However, it’s not suitable for… Read more
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Let to Buy Mortgages Explained
Understanding Let to Buy Mortgages The property market can be challangeing, especially when you’re looking to move but haven’t yet sold your existing home. A Let to Buy mortgage offers a solution, allowing you to rent out your current property and purchase a new one. What is Let to Buy? Let to Buy involves converting… Read more
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Pros & Cons of Buy-to-Let via a Limited Company
Buying a Buy-to-Let Property Through a Limited Company: Pros, Cons, Tax Savings & Mortgage Insights Pros of Buying a Buy-to-Let Property Through a Limited Company More Tax Efficiency For Some Investors One of the main attractions of using a limited company is the potential tax benefits. Rental income received by individuals is subject to income… Read more
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SPV Mortgages for Landlords
Can you get an SPV mortgage? Yes, you can get a mortgage through a limited company set up specifically for property investment, known as a Special Purpose Vehicle (SPV). SPV mortgages are commonly used by landlords who want to buy and hold buy-to-let properties in a company structure rather than in their personal name. However,… Read more
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When Will Your Mortgage Be Pre-Approved?
Can you get a mortgage pre-approval before finding a property? Yes, many buyers secure a mortgage Agreement in Principle (AIP) before they start viewing properties. This helps you understand how much you may be able to borrow and can strengthen your position with estate agents and sellers when making an offer. Not sure how quickly… Read more
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How Long Does Mortgage Application Approval Take?
How Long Does A Mortgage Application Take To Be Approved? A mortgage application can sometimes be approved within a couple of weeks, but many applications take around two to four weeks from full submission to formal mortgage offer. More complex cases can take longer, especially where the lender needs additional documents, the property valuation raises… Read more
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Buy to Let Mortgage Based on Rental Income
Can you get a buy-to-let mortgage based on rental income? Yes, most buy-to-let mortgages are primarily based on the rental income a property generates rather than your personal salary. This is often referred to as a rental income-based buy-to-let mortgage. Lenders apply strict calculations to ensure the rent comfortably covers the mortgage, which means understanding… Read more
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Case Study: BTL Mortgage for a Limited Company in Fleet
Introduction We recently helped our customers purchase two buy-to-let flats in Fleet, Hampshire, through a newly established limited company. Our customers were existing homeowners looking to invest in rental properties using a Special Purpose Vehicle (SPV), a limited company set up specifically to hold property investments. TWhat made this case more complicated was arranging two… Read more
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Buy to Let Mortgage Deposits
Buy to Let Mortgage Deposits: Everything You Need to Know Before Investing in Property Investing in property can be a lucrative venture, and buy-to-let mortgages are a popular choice for those looking to enter the rental market when they can not buy with cash or prefer not to use all of their own funds. Understanding… Read more
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Buy To Let Mortgage With No Minimum Income
Can you get a buy-to-let mortgage with no minimum income? Yes, but lender criteria can vary significantly. While many lenders require a minimum income (often around £20,000–£25,000), some will assess applications based primarily on rental income and overall financial position. This means it is possible to secure a buy-to-let mortgage without a traditional income, but… Read more
