Mortgage Services for Buy-to-Let Limited Companies in the UK
At Pearl Lemon Properties, we offer specialised mortgage services for limited companies seeking to invest in buy-to-let properties. Our expert team provides the financial guidance and resources necessary to help you secure competitive mortgage terms while navigating the complexities of the market.
Our Buy-to-Let Mortgage Services
At Pearl Lemon Properties, we provide comprehensive services for limited companies, ensuring you receive expert advice and customised mortgage solutions. Here’s how we help:
Personalised Mortgage Consultation
We assess your financial situation and investment goals to recommend the best mortgage options available to you. Whether you’re buying your first property or expanding a portfolio, our consultations focus on finding the right mortgage structure and terms.
Fact: Over 75% of landlords with multiple properties now use limited companies for their investments, and we help you understand why this approach can work for you.
End-to-End Mortgage Application Support
From initial mortgage research to securing an offer, we guide you through the entire process. Our team helps manage the paperwork, liaises with lenders, and ensures that your application meets the exact requirements set by banks or specialist lenders.
Benefits of Working with Pearl Lemon Properties
Pearl Lemon Properties is more than just a mortgage broker. We provide a full suite of services designed to support your property investment from start to finish.
Expert Knowledge in Buy-to-Let Lending
Our team stays up to date with the latest market changes and mortgage products, ensuring you receive the most relevant advice. We also have strong relationships with a wide range of lenders who specialise in limited company buy-to-let mortgages.
Stat: 60% of new buy-to-let mortgages are taken out by limited companies in the UK, showing how the market is moving towards corporate structures for investments.
Tailored Solutions for Different Investor Profiles
We work with all types of investors, whether you’re a first-time buyer, a portfolio landlord, or a property developer. Each strategy is unique, and we develop solutions that reflect your company’s financial situation and future plans.
Let’s Move Your Investment Forward
Engage with us today: Take the first step towards securing your buy-to-let mortgage by requesting a detailed consultation. We’ll evaluate your needs and present you with tailored mortgage solutions that fit your business goals.
FAQ'S
Is there a minimum deposit for limited company buy-to-let mortgages?
Yes, most lenders require a deposit of at least 20-25%, though higher deposits may lead to more favourable rates. Some lenders may require up to 35%, depending on the property and company history.
Can I transfer properties I own personally to my limited company?
Yes, but be aware of the potential stamp duty and capital gains tax implications. Consulting with a tax advisor is crucial to determine whether it’s the best option for your situation.
What are the benefits of using an SPV?
A Special Purpose Vehicle (SPV) is a limited company set up exclusively for purchasing and managing buy-to-let properties. Many lenders prefer lending to SPVs, and they can provide operational and tax benefits for property investors.
