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Limited Company Buy to Let Mortgages

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Keith Humphreys

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    Limited Company BTL Mortgages

    If you are seeking advice about investing in buy to let property through a Limited Company, 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

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    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:

    Image representing business planning and consultancy services offered by Pinpoint Finance.
    • Let to Buy Mortgages
    • House of Multiple Occupancy Mortgages (HMO)
    • Multi-Unit Freehold Block Mortgages (MUFB)
    • First Time Landlords
    • Portfolio Landlords

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