Limited Company Mortgage Rates Search Tool.
The only place where you will get complete transparency of the limited company whole mortgage market, giving you all the numbers that you need to successfully run your property portfolio.
Enter your property, product, and personal details below to search through the entire UK mortgage market. We built the only tool that will also calculate the lender stress tests for you, so you know exactly which mortgage products you are eligible for up front. Select a mortgage below, and our team of mortgage specialists will begin the application process immediately.
Product Information
Property Information
£
£
Costs Information
%
%
Personal Information
BTLPlatform: more than just SPV mortgages rates
What if your property search portal gave you all the data you need to evaluate the investment value of every listing, as well as real-time limited company mortgages rates tailored to your circumstances, and even independent SPV legal advice to help you close the deal?
At the BTLPlatform, we offer all this and more; empowering buy-to-let investors to make smarter, faster purchasing decisions and enjoy the quicker route to achieving true financial freedom.
Get started for free and find your perfect property deal today.
Limited company mortgages FAQs
What are limited company mortgages?
Limited company mortgages are used by savvy property investors to enjoy greater tax efficiencies, risk protection, stronger profits and a range of other benefits.
Instead of purchasing an investment property in your own name, you buy and hold the property in a dedicated limited company entity called a Special Purpose Vehicle or SPV. A limited company mortgage can provide the financing you need to start or grow an SPV property portfolio.
What are the advantages of limited company mortgages?
SPV limited company property investment comes with a few advantages; including but not limited to:
- Lower tax rates: Property income is pushing you into the 40% or even 45% tax bands? Limited companies pay corporation tax at no more than 25%.
- Mortgage interest tax relief: While personal landlords can no longer offset mortgage interest costs from their taxable income, limited companies can.
- Easy succession planning: Sidestep inheritance tax when you pass on your portfolio by simply transferring company shares to your loved ones.
- Retained profits reinvestment opportunities: Profits locked up in an existing limited company can be transferred to the SPV tax-free via an intercompany loan.
How do I set up an SPV limited company?
Setting up an SPV is easy. You simply need to sign up with Companies House (the UK’s register of companies and incorporations) which you can do yourself online, or arrange a third party solicitor or online incorporation service to carry out for you.
It’s important to register your company under the appropriate SIC codes to ensure your access to the best limited company mortgage deals. The most relevant codes for property investment SPVs are:
- 68100: buying and selling of own real estate
- 68209: letting and operating of own or leased real estate
- 68320: management of property
How can the BTLPlatform help with my limited company mortgage search?
The BTLPlatform offers the best limited company mortgage deals across the UK, tailored to your particular circumstances. What’s more, it also offers property listings with detailed investor-focused data to help you spot good investments; and you can even see how your preferred mortgage deal will affect your finances in context with each property listing.
As the same mortgage brokers behind SPV Mortgages, you can trust that we’re FCA regulated and fully equipped to help you negotiate the best rates. For any questions about the BTLPlatform or to request a tour, get in touch with us today.
