Limited Company Buy-to-Let Mortgages

Transform your property investment strategy with specialist limited company buy-to-let mortgage advice from Five Star Mortgages.

Why Consider a Limited Company Buy-to-Let?

Recent tax changes have made limited company structures increasingly attractive for property investors. Since 2017, tax relief on mortgage interest has been restricted for individual landlords, while limited companies can still claim 100% of mortgage interest as a business expense.

Key Benefits of Limited Company Buy-to-Let

• Tax-efficient structure for higher and additional rate taxpayers

• Mortgage interest remains fully tax-deductible

• Greater flexibility for profit reinvestment

• Potential inheritance tax planning advantages

• Protection through limited liability

Who Should Consider a Limited Company Buy-to-Let?

• Higher-rate or additional-rate taxpayers

• Landlords with multiple properties

• Investors planning to expand their portfolio

• Those looking to pass property investments to family members

• Professional landlords seeking business growth

How Limited Company Buy-to-Let Mortgages Work

Company Structure

• Special Purpose Vehicle (SPV) companies are preferred by lenders

• SIC codes 68100 and 68209 are typically required

• New companies can be set up specifically for property investment

• Existing companies may need to meet specific criteria

Key Differences from Individual Buy-to-Let

• Different lending criteria

• Potentially higher interest rates

• Additional legal requirements

• More complex application process

• Different deposit requirements

Understanding the Costs

Setup Costs

• Company formation fees

• Legal fees for company structure

• Accountancy fees

• Mortgage arrangement fees

• Property transfer costs (if moving existing properties)

Ongoing Considerations

• Annual company accounts

• Corporation tax returns

• Accountancy fees

• Directors' responsibilities

• Annual confirmation statement

Making the Right Choice

Factors to Consider

• Current tax position

• Future investment plans

• Portfolio size

• Income requirements

• Long-term strategy

Our Expert Support

• Comprehensive assessment of your circumstances

• Tailored advice based on your investment goals

• Access to specialist lenders

• Guidance through the application process

• Ongoing support for your property investment journey

The Application Process

1. Initial Consultation

• Review your investment goals

• Assess your current portfolio

• Discuss company structure options

2. Company Setup

• Guidance on company formation

• Assistance with SIC code selection

• Documentation preparation

3. Mortgage Application

• Access to specialist lenders

• Competitive rates

• Expert application support

4. Completion

• Legal process management

• Coordination with all parties

• Smooth completion process

Why Choose Five Star Mortgages?

• Specialist knowledge of limited company lending

• Access to whole-of-market deals

• Experienced in complex company structures

• Strong relationships with specialist lenders

• Ongoing portfolio support

Looking for Individual Buy-to-Let?

If you're considering buying property in your personal name, visit our Buy-to-Let Mortgages page to explore your options.

Ready to Explore Limited Company Buy-to-Let?

Book your free consultation today:

• Call us on 0300 303 4676

• Complete our contact form

• Speak with our limited company specialists

Important Disclaimers:

The vast majority of buy-to-let mortgages are not regulated by the Financial Conduct Authority (FCA).

Your property may be repossessed if you do not keep up repayments on your mortgage.

Tax advice should be sought from a qualified tax specialist.