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Expert help to get funding for your buy-to-let

Fast, cost-effective finance. Find funding for your next step.

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LTV up to 85%
Rates from 2.4%
Loans from £50k

How it works

With our simple form, case management tools and expert advisers, finding funding has never been simpler.

  1. 1
    Complete online enquiry

    Let us know about you and what you would like to achieve.

  2. 2
    Indicative quote

    Your assigned adviser will issue an indicative quote.

  3. 3
    Offers from lenders

    Review your offers and choose the best for you.

  4. 4
    Funds deposited in your account

    Once finalised the lender will release the funds.

Get started now

Speak with one of our advisers today, they're happy to help with any queries.

0116 298 7376

Lines are open Monday to Friday, 9am to 5pm.

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Buy-to-let mortgages for limited companies

For the majority of investors looking to invest through a limited company:

  • You might be under the impression that there's a minimum term a company must have been trading for, however there is no such requirement. In truth, you can get a mortgage arranged before setting up an SPV. A certificate of incorporation will be required before the mortgage can be completed.

  • Lenders will generally require the rental income to cover 125% of the mortgage payments if the mortgage is paid at an interest rate of 5.5%. To determine how much you could borrow you take the annual rental amount, divide it by 5.5% then divide the answer by 125%. For example with an annual rental income of £11,000 your calculation would be (11000 / 5.5%) / 125% = 160000.

  • You, as director, are the lenders main focus. They will be looking to ensure you can meet the terms of the mortgage. Your income, credit history, investment experience, job, and various other points are examined in the same way as a personal mortgage.

  • Generally directors will be required to give personal guarantees, meaning you will be personally obligated to fulfill the company's debt. This would be the difference in the value of the property against the amount owed.

Are mortgages through an SPV any different to an individual mortgage?

Essentially, no. It's simply a personal mortgage in a convenient wrapper. There are a few points to consider though:

  • Lender arrangement fees are usually slightly higher, since there's more paperwork required for you and the company.

  • For the same reasons as above your solicitor costs will generally be higher.

  • Some lenders will require you get independent legal advice about the personal guarantee you need to give. This will mean getting another solicitor who is not connected with the purchase to explain the personal guarantee and witness you sign the agreement.

  • Less stringent affordability checks, which means you'll be able to borrow more.

Should you get a mortgage through a limited company?

There is potentially significant tax advantages by using a limited company, however you should always speak with a chartered accountant or specialist tax adviser before making any investment structure decisions.

Whole of UK market access

As well as the well known national names, we have regional and local lender relationships. In Scotland and Northern Ireland, due to differing legal systems, fewer high street lenders offer mortgages.

Knowledge of the lenders

Lender appetites change and we keep closely in touch with lenders to know who is lending to particular property sectors. In particular, many lenders are fussy about semi-commercial property investment proposals, and some discourage them from time to time.

Typically no broker fee

We save you time in going to the best lenders for your type of business and with our knowledge of rates can secure the best deal. You will normally pay no extra for this service. We are paid by a commission which all lenders pay to brokers who introduce business to them.

Whether your an individual or limited company, we can help find funding for your next step.

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Investing through a limited company can offer significate tax advantages, however we recommend getting tax advice before making any investment decisions. we recommend landlordtaxadvice.co.uk, our sister company.

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Commercial Mortgage

Term mortgages secured against commercial property, or semi-commercial property. If you are buying or refinancing residential investment property then please use our 'residential buy-to-let' enquiry form.

Residential buy to let

Individual units to large portfolios, blocks of flats to HMOs, we have lenders ready to lend on all types of residential property. They can be owned in your personal name, in a Ltd Co, LLP, Trust, off shore, on shore, you name it, we have lenders who can do it!

Property Development

From experienced developers, to first time builders, from single units to large scale projects, we have a full panel of lenders and an experienced team of brokers to help find the right package for your needs.

Auction Finance

If you are looking at buying a property at auction (or have won a property) we can help you get finance against it. You may want to develop it and sell it, or rent it out, we can get you the right product for your needs and FAST!

Business Loan

Spend a few minutes completing our simple application form and we will source you a business loan. In some cases, the money could even be in your account within 48 hours.

Invoice Finance

Using invoice finance will improve your cash flow and help your business grow. We have a range of invoice finance lenders who provide flexible low-cost options to help you release funds with slow to pay customers

Asset Finance

If you are looking for assistance in financing piece of equipment, vehicles, or even software, we have a number of lenders that are willing to help, and team of experienced brokers to guide you through the process.

Move Fast

Our online quote system always you to upload your documents to us in a secure environment. Sign digitally and you can complete in minutes.

Experienced Brokers

Our team of brokers are mostly ex-high street bankers with 15-30 years of commercial banking experience.

Discuss Ideas

All deals start with an idea. Discuss your idea with us and we’ll tell you how you could fund it, and what to budget for.