BUY TO LET
It could not be easier to compare buy to let products with the help of our brokers.
Whether you are looking to purchase or re-mortgage for additional borrowing, switching to an interest-only mortgage or just getting a better mortgage rate, we can help you choose which deal best suits you.
We are highly experienced professionals who are committed to ensuring you receive the best mortgage service, where we can utilise the whole of the market to ensure you get the best rate possible alongside exclusive deals that aren't available on the high street.
SPV / LTD COMPANY BUY TO LET
HMO (HOUSE OF MULTIPLE OCCUPANCY)
SPV/LTD COMPANY BUY TO LET
There are huge benefits to taking a buy to let mortgage in an SPV (Special Purchase Vehicle) or LTD company name, the main reason for this is it's more tax-efficient.
- Unlike income tax, there is no upper tiers for Corporation tax, as this is set at 19% (2021-2022) unless the government change the rate.
- You can offset expenses against the income of a company.
- Protection against personal finances, as they provide limited liability for their Directors.
Speak to our regulated Brokers who can help manage your portfolios and advise on the best products on the market.
HMO (HOUSE OF MULTIPLE OCCUPANCY)
The definition of House of Multiple Occupation is defined as a property rented out by at least 3 people who are not from 1 ‘household’ (I.E. not a family or other special relationship) but share facilities like the bathroom and kitchen.
HMO mortgages are unique with specialist mortgage arrangements, where lenders accept multiple occupations as acceptable lending security.
- More than one kitchen is acceptable.
- Licenced and unlicensed HMO's.
- Competitive rates.
- Individual, Limited Company and SPV's applications accepted.
- All HMO's considered.
- Corporate lets.
- DSS tenants are acceptable.
Don't hesitate to make contact and have a no obligation chat with our FCA regulated brokers who can assist with your complex situation.
