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Limited Company BTL

LIMITED COMPANY BUY TO LET MORTGAGE

BTL Mortgages to a Limited Company are not regulated by the FCA.

Most limited company Buy to Let Mortgages are only available through specialist brokers and we have direct access to the whole of the market. Due to recent changes in mortgage tax relief these are becoming more popular. Always ensure you take professional advice from a qualified tax accountant as limited company mortgages are not for everyone.

Whether you have a portfolio of one or several hundred then we have options for you.

POINTS TO CONSIDER WHEN COMPARING LIMITED COMPANY BUY TO LET MORTGAGES

  • Most lenders will only lend to a SPV (Special Purpose Vehicle) i.e. set up only to own property
  • A smaller number will lend to trading companies
  • The company does not need a track record
  • Directors and major shareholders will have to personally guarantee the loan
  • Rates tend to be higher within a company compared to personal ownership
  • Professional Landlords welcome
  • More conditions within the mortgage agreement
  • Interest only loans – how will it be repaid on expiry
  • Reverting interest rate – what you pay after the initial period expires

PRODUCT TERMS

  • Limited Company Buy To Let mortgages are available on an interest only, full repayment or part interest and part repayment basis
  • Loan terms vary from 3 – 40 years
  • Minimum property valuation £40,000 although with most it’s £75,000
  • LTV up to 85%, but typically 75%.

Searchlight Finance Ltd is a broker not a lender.

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We are a credit broker not a lender.

Searchlight Finance Ltd is registered at 98, King Street, Knutsford, Cheshire, WA16 6HQ. Company Register number is 07929050.

Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is 743220. You can check via www.register.fca.org.

We are registered with the Information Commissioner’s Office, Z3109319 and you can check via www.ico.org.uk.

We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.

We source finance from the whole of market and may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Member of National Association of Commercial Finance Brokers (NACFB).