Limited Company Buy-to-let Mortgages
What is a Limited Company Buy-to-Let?
Tax changes in recent years have made it much less profitable to own multiple buy-to-let properties in your personal name. Many landlords are now choosing to purchase investment properties through limited companies to take advantage of the tax breaks this allows for. You must always seek the advice of a Tax Adviser when deciding if purchasing through a limited company is right for you.
How do I set up a limited company buy-to-let mortgage?
Generally you cannot purchase property with a mortgage through a trading company, so you must set up a separate ‘Special Purpose Vehicle’. Make sure to speak to an accountant to ensure your company is set up with the correct SIC codes for the purposes of purchasing and letting out property.
Is a limited company buy-to-let similar to a regular buy-to-let mortgage?
A limited company buy-to-let mortgage differs from a regular buy-to-let mortgage in a few ways:
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