Keith was really efficient, great communication and resolved a complicated issue with my mortgage. I would highly recommend his services.
Carolyn Schofield
Keith Humphreys
Contacted Keith at Pin Point Finance. The call was answered promptly and Keith was friendly and approachable. He listened to my circumstances and gave advice in a way I could understand. Keith was patient with my questions and didn’t put me under any pressure to have a service from him, leaving me to think about the advice he gave. Thanks Keith!
Fantastic experience with Keith at Pinpoint. I have previously used mortgage brokers and found Keith has taken this business to a different level. Very professional, efficient and so easy to communicate and upload documents. Pinpoint are my financial brokers from now on. Highly recommend this company.
Keith has been amazing from our first contact. Listening and advising what was the best deal for me. Really happy with the service and would highly recommend to friends and family.
Fantastic service, I highly recommend.
Great experience with PinPoint Finance- highly recommend!
Kelvin has now completed two BTL mortgages, the service you receive is first class, highly recommend.
Very helpful & informative with information & answers to questions
Keith and his team have done a fantastic job at helping us buy our house. He found us the best mortgage available that suited our budget and did everything he said he was going to do and more. Great communication throughout, I would highly recommend.
Keith was very supportive and helpful especially when we had a bit of complicated issue to sort out. He was on the ball and got it sorted.
Great customer service. Very much appreciated the way Keith helped in pushing things through at each stage to a successful completion.
Have used Pinpoint Finance several times now. Keith and the team once again offered great advice and help throughout. Would highly recommend!
Great service helping to source suitable finance for a complicated portfolio
Keith was able to explain what my best options were, and wasn’t at all pushy. I’ll definitely be contacting Pinpoint again in the future for all of my Commercial Finance needs.
From start to finish i have been very pleased with the way Keith handled my case. He kept me informed all the way so I didn’t have to worry about anything.
Excellent service from Pinpoint. They are very responsive. They are highly knowledgeable and professional but equally they take a very human approach, have excellent people skills and treat you as an individual. Which all helps to make difficult processes so much more clear and easy to deal with. I wish there were more companies like this. I would highly recommend them and will definitely use them in the future.
Send Keith a message
Limited Company BTL Mortgage
If you are seeking advice about investing in buy to let property through a Limited Company BTL mortgage, you’ve found the right team of mortgage advisers. At Pinpoint Finance we know the difference between a SPV (Special Purpose Vehicle) and a trading company, we know business finance, real property and we know Limited Company Buy to Let Mortgages.
We have access to a wide range of mortgages specifically designed for First Time Landlords to experienced Landlords buying through a Limited Company. With our breath of experience within the commercial finance world, not only will we find you the most attractive interest rate but also favourable criteria to meet your specific requirements.
Should I set up a Limited Company for my buy to let properties?
There’s not a straightforward answer to this question and everyone’s circumstances are different and will depend on your personal financial circumstances, your future intentions in addition to your ability to comply with the requirements of running a Limited Company. However, Limited Company Buy to Let Mortgages can be used for many types of residential property assets so whether it’s a standard residential investment property, an HMO or a Multi-Unit Freehold Block, we still have a suitable lender for you.
If you are considering investing in a buy to let properties through a Limited Company, it is important that you understand the advantages, disadvantages and the additional responsibilities associated with company ownership before making that decision. Pinpoint Finance can guide you through the process but would certainly suggest that you take advice from a financial (tax) and legal point of view before proceeding.
Things You need to think about when buying
property through a SPV (Special Purpose Vehicle) Limited Company
Most lenders will only accept Limited Company Buy to Let Mortgages within an SPV (Special Purpose Vehicles), Limited Company. This would be a company set up for the sole use of owning real estate and receipt of revenue from residential investment property. This means that the SPV will only hold residential buy to let properties as assets and not be involved in other trading business activities.
Don’t worry, if you need to purchase a buy to let property through a trading business, we can still help!
When setting up a Limited Company for your Limited Company Buy to Let Mortgage, its important that the company is correctly registered at Companies House and the correct SIC code (Standard Industrial Classification) is in place. The following SIC Codes will usually apply:
- 68100 Buying and selling own real estate
- 68209 Other lettering and operating of own or leased real estate
- 68320 Management of real estate on a fee or contract basis
- 68201 Renting and operating Housing Association real estate
The Limited company must be registered in England & Wales. For more details on setting up your limited company, click here.
If you need to find out more about the advantages and disadvantages of owning property within a Limited Company structure, take a look at our blog, “Unlocking the Potential of Limited Company BTL“. Talk to one of our specialists who can guide you through the differences from a standard buy to let mortgage.
At Pinpoint Finance, we’re proud to offer you the following buy to let products:
- Let to Buy Mortgages
- House of Multiple Occupancy Mortgages (HMO)
- Multi-Unit Freehold Block Mortgages (MUFB)
- First Time Landlords
- Portfolio Landlords
- Free BTL Product Transfer / Product Switch Service
- Student Let Mortgages
- Holiday Let Mortgages
- Bridge to Let Mortgages
- Auction purchases
- EPC Rating Services
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