Buy to Let | Limited Company

THE RIGHT MORTGAGE FOR YOUR PROPERTY INVESTMENT PLANS

Investing in property through a limited company?

Purchasing a rental property through a limited company is an option some landlords consider when building or managing a property portfolio.

However, the mortgage process and lending requirements can differ from purchasing in your personal name.

At AR Mortgage Services, we help you understand your limited company mortgage options and what lenders may require.

How does a limited company buy-to-let mortgage work?

A limited company buy-to-let mortgage allows a company to borrow funds to purchase or refinance a property intended for rental purposes.

Lenders typically assess the company's structure, the property, anticipated rental income and the financial circumstances of the individuals involved.

Some lenders specialise in lending to property investment companies, often referred to as Special Purpose Vehicles (SPVs).

We Can Help You

  • Understand limited company mortgage requirements

  • Explore mortgage options for property investment companies

  • Compare suitable lenders and mortgage products

  • Understand deposit and rental income requirements

  • Explain personal guarantee requirements

  • Explore refinancing options for company-owned properties

Is a limited company right for you?

Buying through a limited company can have different tax and financial implications compared with purchasing in your own name.

The most suitable ownership structure depends on your personal circumstances, investment plans and long-term objectives.

Limited company mortgages may also involve different interest rates, fees and lending conditions.

We can help you understand the mortgage considerations, but decisions about company structure and taxation should be discussed with a qualified accountant or tax adviser.

What about personal guarantees?

Some lenders require company directors or shareholders to provide personal guarantees when arranging a limited company buy-to-let mortgage.

This can create personal financial liability if the company fails to meet its obligations.

We'll explain any lender requirements and help you understand the commitments involved before proceeding.

Let's talk about your property ambitions.

Whether you're purchasing your first property through a company or expanding an established portfolio, we'll help you explore mortgage options suited to your plans.

LEGAL

LEGAL

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Calls may be recorded for training and quality purposes.

AR Mortgage Services undertakes credit broking and is not a lender. We offer an unrestricted range of first charge mortgages, but do not offer second charge lending or bridging finance.

AR Mortgage Services is a trading style of Alistair Redhouse Mortgage Services Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd. which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register.

We are registered in England and Wales under company number 16988991. Our registered office is at The Old Police House, Old Botley, Botley Road, Oxford, OX2 0JW.

Fee statement: There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £335 and is payable once an application has been submitted and will be agreed with you prior to advice being given.

Insurance Disclaimer: As with all insurance policies, conditions and exclusions will apply. The cost of insurance depends on several factors, such as your age, occupation, and location.