Our mortgage advisers can provide bespoke solutions for limited companies looking to invest in buy-to-let properties.
At Bower Private Clients, our team of mortgage experts are specialists in providing bespoke mortgage solutions for limited companies looking to expand or start investing in a property portfolio. Our specialists are well-versed in the complexities of limited companies and the application process for buy-to-let mortgages.
When contacting us, you’ll be paired with an expert adviser whose knowledge will make your process as smooth as possible. Our specialist mortgage adviser will work closely with lenders to provide a bespoke solution to match your eligibility and circumstances alike.
Buy-to-let mortgages for limited companies, sometimes referred to as Special Purpose Vehicles (SPV’s) were designed to assist those looking to purchase a rental property in a limited company structure. A buy-to-let mortgage for limited companies means a rental property can be purchased as a business rather than under a personal name. This is particularly helpful for landlords looking to manage all their properties under one business, landlords who have more complicated layered company structures or those looking to invest into multiple buy-to-let mortgages at one time.
Buy-to-let mortgages are often appealing for private landlords to pursue through a limited company due to the tax benefits it can provide, especially for landlords with growing portfolios. Our mortgage advisers will help you understand the suitability of each product and provide a comprehensive illustration with whole market advise so you can move forward with confidence.
Yes, you can transfer your mortgage to a limited company, however, it’s important to understand the implications and conditions of the transfer. Individuals with an extensive property portfolio and past the higher rate income tax rate might benefit from migrating their mortgage to a limited company however all the tax considerations and costs will need to be understood from a tax specialist, accountant and your mortgage adviser.
Our specialist mortgage advisers will work closely with you to ensure you understand the positives and negatives of buy-to-let mortgages for limited companies. They will create a bespoke illustration of what this might look like whilst considering your circumstances, including income and other investments.
Our team of specialist advisers can help you find a mortgage for buy to let properties.
Take a look at what clients experience at Bower Private Clients
The representative, Tracy , was exceptional. The first time she visited me, she was so kind and approachable. She sat with me for a long time and explained everything until she felt that I understood. She talked about the advantages and disadvantages and gave me a chance to make informed choice. She was engaged all the time. Taking me through every stage, patiently and professionally. Nothing was not too much trouble for her. I phoned her umpteen times for clarification, and each time she returned my calls and explain what I wanted to know. Sometimes I would ask twice about the same thing and she was so patient with me because this was my first time in this adventure of Equity Release. She was proactive and pushed every stage to go through quickly. I am very satisfied with her service and I would not hesitate to recommend her as well as Bower. Thank you so much. I have already received the funds and started to put it to the long awaited use.
Trusted Customer
I thonk that the sevice I had from Bower was A1, the company and the financial advisor went through hoops to help me in my moment of despair. They were in touch from the onset and could do enough for me, They came through for me and I can not thank then enough. The advisor even contacted me after everything went through to check that I was happy with everything, did I have anyquestions.
Trusted Customer
I dealt mainly with Lisa Hirst. She explained everything to me informing me of the different options. It should have been a simple process but there were problems with the Land Registry and a poor performance from MBNA and Lloyds Bank none of which was Bowers or Lisa’s fault. She supported me through the whole process and I had built up a good relationship with Lisa. I would recommend Bowers, and particularly Lisa to friends and family should they require this service in the future.
Mrs Pilling
I cannot fault the service received. After an initial call made by Andy, a home visit was soon set up. Andy was very knowledgeable and explained the process of Equity Release very thoroughly. There was no pressure and shortly afterwards we received the report and decided to go ahead. We used Gilroy Steel solicitors as recommended who were equally helpful and Becky's visit was really productive. The whole process was easy and simple and we have now achieved our objective of releasing equity from our home.
Trusted Customer
Excellent. Eric was very easy to get on with and very knowledgeable. He answered all my questions, and looked for the best deal for me. He also reviewed the available deals when I changed my mind about different aspects of my Equity Release deal. He again checked for better deals when my house valuation came in higher than I had estimated. He found a reduced interest rate for me. He checked in regularly with me with updates, or to ask if I had any contact from the solicitors and home surveyor. Everything proceeded easily with no hiccups and was completed quickly. Thanks to Eric and Nicky, his PA, who also contacted me with updates. It's been a very pleasant and easy transaction, with no pressure. In fact Eric kept telling me I didn't have to proceed with the deal now if I wasn't sure. That I could come back to him at a later date when I had made my mind up to proceed.
Mrs Cook
Hebburn
I recently used Bower equity release services and worked closely with our financial advisor,Ben,who provided exceptional support throughout the process. From the beginning he was incredibly knowledgable,answering all our questions with patience and clarity,ensuring We fully understood the ins and outs of equity release. Ben’s expertise and transparent approach made us feel comfortable with the decisions we were making.He walked us through each step,and his recommendations were tailored specifically to our financial situation. Bower,as a company,was professional and efficient.The whole experience was straightforward and stress-free,thanks to Ben’s seamless process. We are very satisfied with the outcome and feel confident that we made the right choice with Bower. If you’re considering equity release,I highly recommend Bower and specifically Ben. It took me months to choose the right company to represent us and I couldn’t have chosen better.
Mark & Paula
Crawley
I like the fact that James came out to see us twice, he went through everything thoroughly and took the time to answer all our questions, he left us having no doubts at all that we were doing the right thing for us. He answered all of my texts promptly and kept us updated about where we were in the process. The completion date came and James called us to tell us what to expect and what time the money would be in our account, and on the dot there it was, busy planning my retirement now😊
Trusted Customer
If you’re keen to delve deeper into the intricacies of mortgages for limited companies, our team at Bower Private Clients is ready to share their wealth of knowledge and expertise. Understanding the unique financial landscapes and challenges a limited company faces is our speciality.
We’re committed to providing tailored advice that aligns with your personal and business aspirations, ensuring you have the correct information to make informed decisions.
Whether you’re exploring your first mortgage as a limited or seeking to add more properties to your portfolio, our team is here to guide you through the process with clarity and confidence.
Read more about usBuy-to-let mortgages for limited companies can often be a sought-out solution for investors and landlords with an extensive property portfolio looking to become more efficient with their taxes or the management of their properties.
When holding a property under a limited company, it will be taxed under the current rate of corporation tax and paid as a dividend, sometimes resulting in a lower rate than the higher rate of income tax.
As a limited company, you can offset your mortgage interest resulting in reduced profits and the amount of tax paid.
Retaining profits under a limited company can assist in future purchases and protect them from tax liabilities, leading to a more efficient expansion of your property portfolio.
If you’re planning to pass on your properties to family, it can be easier as a company as this will protect properties from stamp duty and inheritance tax although professional tax advice will need to be taken to confirm your personal situation.
A special purpose vehicle (SPV) is a type of limited company set up for the sole purpose of managing properties on behalf of shareholders. This is often a popular choice for private landlords who do not yet have a company for purchasing rental properties. Special Purpose Vehicle Limited Companies are often preferred by mortgage providers as they are only set up for property rental and property sale and purchase with a specific Standard Industrial Classification (SIC) codes. Bower Home Finance can advise what codes lenders will expect before you set up your company.
Yes, we are regulated by the Financial Conduct Authority. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority, so speak to your mortgage adviser if you have any questions or concerns.
With access to over 500 lenders, Bower will help you release equity and create liquidity to acquire property, whenever you want to buy
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Bower Private Clients provides impartial whole of market advice with an award winning customer service experience. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but a typical fee of £695 will be payable on the application of the mortgage.
Speak to one of our dedicated customer specialists or arrange your free, initial no-obligation quote by calling us on freephone 0203 817 6040.
Bower Private Clients is a trading style of Bower Retirement Limited and is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number: 451607.
Registered in England and Wales No: 5788110. Registered office: Bower Private Clients, Ongar Business Centre, The Gables, Fyfield Road, Ongar, CM5 0GA.
0808 281 2658
