Purchasing investment property through a Special Purpose Vehicle (SPV)? We arrange buy-to-let mortgages for limited company structures with specialist lenders.
Why Buy Through a Limited Company?
Many landlords now purchase investment properties through a limited company, specifically a Special Purpose Vehicle (SPV). This can offer significant tax advantages, particularly since the reduction of mortgage interest tax relief for individual landlords.
With a limited company, you can offset 100% of your mortgage interest against rental income as a business expense. Corporation tax rates are also typically lower than higher-rate income tax. However, there are also considerations around additional costs, complexity, and potential issues when selling.
We'll help you understand whether a limited company structure is right for your situation and arrange the appropriate mortgage. Not all lenders offer limited company BTL mortgages, so specialist advice is essential.
- Full mortgage interest relief as a business expense
- Corporation tax vs personal income tax benefits
- SPV structure setup and lender requirements
- Director and shareholder requirements explained
- Portfolio structuring across multiple SPVs