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Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Investment
"Smarter investing. Through a limited company."
Purchasing buy to let property through a limited company has become increasingly popular since changes to mortgage interest tax relief. For higher rate taxpayers and portfolio landlords, it can significantly improve the numbers.
What is a Ltd Company BTL mortgage?
A Ltd Company BTL mortgage is taken out in the name of a limited company — typically a Special Purpose Vehicle (SPV) set up specifically to hold property. The company owns the property, receives the rental income, and pays corporation tax on its profits rather than income tax.
Since Section 24 removed the ability for individual landlords to deduct mortgage interest costs from rental income before tax, many higher rate taxpayers find holding property through a limited company more efficient. Corporation tax is currently lower than higher rate income tax, and profits retained in the company can be reinvested into further properties.
The mortgage market for limited company BTL has expanded significantly. We work with a wide range of lenders — including specialist ones not available directly — to find the right product for your company structure and portfolio.
Who is this for?
- You're a higher rate taxpayer looking to invest in property
- You're building a property portfolio and want a tax-efficient structure
- You already have a limited company and want to use it to invest
- You want to understand whether personal or limited company ownership is right for you
Key points
- Mortgage is in the company's name — company owns the asset
- Corporation tax on profits rather than income tax
- Section 24 does not apply to limited companies
- Most lenders require a personal guarantee from the director(s)
Common questions
Things people ask us
Do I need to set up a new company?
Is a Ltd Company BTL right for me?
What is a personal guarantee?
Are the mortgage rates higher for limited companies?
Ready to get started?
Book a free, no-obligation appointment.
Straight advice, no jargon.
Straight advice, no jargon.
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