Buy to let finance for individuals, companies and portfolios

The Buy to Let market has changed a lot in recent times. Taxation rules have changed significantly, meaning that stamp duty costs have increased for investors, and if you are in need of mortgage finance then some of the capability to offset mortgage interest as a personal business expense is being phased out. This in turn has led to lenders being obliged to curtail affordability on buy to let mortgages to reflect these tax changes and other affordability considerations. This is particularly the case for higher rate tax payers.

Our service

In reality the market has just become a little more complicated, and we can help by providing:

• Expert advice from advisers who really understand this marketplace
• Loans from £100k - £100m
• LTVs up to 85% or 75% for limited companies
• Portfolio planning and large loans a speciality
• Whole of market advice
• No minimum income required by some lenders
• Efficient 100% financing of deals using existing properties
• Finance available to individuals, limited companies, partnerships, offshore vehicles and trusts

Understanding the market for limited companies

People borrow in limited companies and other structures for many reasons, including:

• Legal ring fencing
• Tax efficiency
• Retirement planning
• Family succession
• Joint ventures
• In conjunction with a development business
• Because they are a trading business with surplus profits

While there are still fewer available lenders for limited companies than there are for personal individuals, there are many options available. Rates and criteria vary. Only some offer interest only. Some can deal with layered companies. A few can consider overseas applicants. Nearly all require some form of personal guarantee.

To help you find the optimum solution please complete our contact form or talk to an expert adviser.