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Limited company buy to let Mortgage FAQs

 

The intricacies of limited company buy to let mortgages can be complex to understand. Our experienced commercial mortgage brokers answer your most frequently asked questions below. If you have any further queries, or wish to take out an owner-occupied commercial mortgage yourself, call us on 01202 937880.

Buying property to let through a limited company means that you are not taxed as an individual. Instead, you pay Corporate Tax, which in some cases can work out even cheaper. At FC Funding, we can help you find the most favourable terms on the market. Contact us today to get started.

Owning a property through a limited company may provide you with certain tax benefits and reliefs. What’s more, you are afforded some additional privacy; as the limited company will own the property, your name can’t be held liable for tenant debts which could affect your credit file.

The amount of income required by lenders will vary depending on the business type and circumstances. Most established SPVs will need to demonstrate 2 years of healthy accounts, however, it is not uncommon for lenders to consider your personal accounts as well. Our experienced commercial mortgage brokers will be able to advise you further. Call us on 01202 937880.

Just because your bank has rejected your request for a limited company buy to let mortgage doesn’t mean that will be the case for all lenders. We have worked with many clients to source lenders offering favourable terms, even to those with a poor credit score. Contact our team today on 01202 937880.

Limited company buy to let mortgages are available for a broad range of business types, including:

  • SPV Ltd companies
  • Existing trading Ltd companies (not SPV)
  • New Ltd companies at time of purchase
  • Ltd companies with personal guarantees
  • Ltd companies without personal guarantees

Generally, the rental income needs to be at least 125% of the mortgage payment. Our commercial insurance brokers can advise you further regarding this.

Lenders typically offer a standard loan to the value of 75%. However, there are certain lenders who are able to offer up to 85% LTV on a limited company buy to let mortgage. For further information, call experienced broker FC Funding on 01202 937880.

Yes, it is possible to find lenders offering 2, 3 and 5 year fixed rates. At FC Funding, we can find lenders offering the most favourable rates for your business. Contact our team today on 01202 937880.

FC Funding is one of the leading commercial brokers and commercial mortgage lenders in the country and our wide-ranging expertise means we can guarantee a tailor-made package to suit your requirements. We have helped hundreds of business owners all over the UK find the right funding to grow their company – find out more from our testimonials.

Owner occupied mortgage

Owner occupied mortgages

Individual mortgage advice for you

Before taking action, we recommended that you seek advice from a professional tax and mortgage expert. Our limited company buy to let mortgage brokers can source a mortgage tailored to you with the very best rates.

Arranging a commercial property mortgage can be a complex process but our advisors are experts and can break down every detail of your mortgage and give you the best advice.

If you would like clear, independent and impartial advice on the best commercial property finance products, please phone us on 01202 937880 for further information or complete our quick enquiry form.

Commercial Property Finance available for:

  • Investment property
  • Offices
  • Factories and industrial units
  • Hotels
  • Shops and retail premises
  • Leisure Premises
  • And more

FC Funding is an NACFB accredited commercial finance broker and is approved by the FCA.

NACFB Accredited

ICO Accredited

Some of our Lending Partners