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Buy To Let Mortgage Hotline - Call 0117 403 4222

1.75% 2 Year Fixed

  • Overall cost for comparison 4.3% APRC

Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to Post Office variable rate of 4.74%.

Call Post Office FREE on 0808 178 6813

2.68% 5 Year Fixed

  • Overall cost for comparison 4.0% APRC

Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to Post Office variable rate of 4.74%.

Call Post Office FREE on 0808 178 6813

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.33%
Rate type: Fixed Oct-2019
Monthly cost: £482.01 per month
Max LTV: 60%
Product fee: £1990.00
Overall cost for comparison: 4.3% APRC
Post Office logo 1.33% Fixed Oct-2019 4.3% APRC 60% £1990.00 £482.01 per month get quotes Call direct0808 178 6813
Initial rate: 1.33%
Rate type: Fixed Oct-2019
Monthly cost: £482.01 per month
Max LTV: 60%
Product fee: £1990.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.33% Fixed Oct-2019 4.2% APRC 60% £1990.00 £482.01 per month get quotes Call direct0808 178 6813
Initial rate: 1.41%
Rate type: Fixed Oct-2019
Monthly cost: £485.71 per month
Max LTV: 60%
Product fee: £1720.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.41% Fixed Oct-2019 4.2% APRC 60% £1720.00 £485.71 per month get quotes Call direct0808 178 6813
Initial rate: 1.41%
Rate type: Fixed Oct-2019
Monthly cost: £485.71 per month
Max LTV: 60%
Product fee: £1720.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.41% Fixed Oct-2019 4.2% APRC 60% £1720.00 £485.71 per month get quotes Call direct0808 178 6813
Initial rate: 1.58%
Rate type: Fixed Oct-2019
Monthly cost: £491.22 per month
Max LTV: 60%
Product fee: £1220.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.58% Fixed Oct-2019 4.2% APRC 60% £1220.00 £491.22 per month get quotes Call direct0808 178 6813
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Buy to Let Mortgages for Limited Companies

Buy to Let Mortgages for Limited Companies

From April 2017 a change in laws will mean that landlord’s will have to start paying tax on all of their income that has been generated from buy to let properties. These changes will mean that landlords will face much higher tax bills where previously they could offset mortgage interest against this cost. Consequently, there has been a 42% increase in ltd enquiries as many landlords look to set up limited companies or special purpose vehicles (SPVs) to minimize the impacts of these new laws.

Should I set up a limited company for my buy to let properties?

Whether setting up a limited company for your buy to let properties is the best decision for you is likely to depend on your personal circumstances, future intentions and availability of mortgage finance. In addition to benefitting from higher tax relief, owners of limited companies can also benefit from:

  • No income tax when reinvesting profits to secure further properties
  • Personal funds can be drawn back out of the company
  • No tax on dividends <£5000 for individuals.


However, running a limited company for buy to let properties is not for everyone, and potential investors should consider the additional costs associated with running a limited company, higher mortgage rates and the reduced selection of available lenders willing to offer you a mortgage, before making the decision to set up a limited company.

Despite the limited selection of mortgages available to limited company owners, about one third of lenders still offer buy to let mortgages to limited company borrowers, most of these being offered to SPV’s. This means there is still a range of financial options available to company offers when it comes to obtaining a mortgage on their buy to let property.

How we can help?

Whether you are a limited company owner, or are thinking of setting up a company. We have a team of specialist buy to let advisors, experienced in finding company owners the best deals on their buy to let mortgages available to assist you. In addition to offering you expert advice, we have access to a range of exclusive buy to let mortgage deals not available on the high street.

For any advice on finance for purchasing or remortgaging property in a limited company, please call our buy to let mortgage advisory team on 0117 313 7780 or fill in our form to request a call back.

buy to let mortgages for limited companies

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