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A smarter way to invest
Limited company mortgage
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The challenge landlords face
Managing a buy-to-let property portfolio can be financially rewarding, but it also comes with challenges. Recent tax changes have made it less profitable to own rental properties in your personal name, and lenders have tightened affordability calculations for individual landlords. How can you continue growing your investment portfolio while keeping your costs down?
The Guide: Pinetree Capital
At Pinetree Capital, we specialize in helping landlords navigate the complexities of property finance. If you’re looking for a smarter way to structure your investments, limited company mortgages could be the right solution for you. We’re here to guide you through the benefits, financing options, and tax implications so you can make an informed decision.
The plan
How Limited Company Mortgages work
A limited company mortgage is a loan taken out by a company, rather than an individual, to purchase buy-to-let properties. This approach can offer significant advantages, including:
Potential tax benefits
Corporation tax rates are generally lower than personal income tax rates, meaning landlords may benefit from lower tax liabilities.
More generous lending criteria
Lenders often offer more favorable affordability calculations for limited companies compared to individual landlords.
Limited liability protection
As a separate legal entity, a limited company protects personal assets from financial risks related to the property portfolio.
Specialist finance access
Limited company mortgages open the door to lenders who specifically cater to professional landlords and investors.
Overcoming potential challenges
While limited company mortgages offer many benefits, they’re not the right fit for every landlord. Before making the switch, it’s crucial to consider:
Tax implications
Ensure sufficient funds
Understand tax implications
At Pinetree Capital, our experienced mortgage advisers work with a network of specialist lenders to secure the best limited company mortgage for your situation. Whether you’re:
Setting up a new Special Purpose Vehicle (SPV) for your buy-to-let investments
Transferring properties from personal ownership to a company structure
Looking for lenders who accept offshore companies or non-UK resident directors, we can help you find the right financing solution.
Take the next step
Secure the right property finance with expert support, fast approvals, and tailored solutions.
Ready to secure the right property finance solution?
Get a personal consultation from a finance expert
Ready to secure the right property finance solution?
Ready to take the next step?
Contact us today to explore your options!
