If you’re looking for trusted mortgage advice in Liverpool regarding limited company buy-to-let mortgages, CRC Mortgages is here to help. Our experienced mortgage brokers understand the specific complexities involved in securing finance for property investments through a limited company structure. Whether you are a first-time landlord or an experienced investor expanding your portfolio, we are committed to guiding you every step of the way.
What is a Limited Company Buy-To-Let Mortgage?
Increasingly popular among landlords and investors in Liverpool, a limited company buy-to-let (BTL) mortgage is specifically designed for property purchases made through a company structure rather than as a private individual. This approach can offer tax efficiency and potentially improved financial management, depending on your personal circumstances. However, securing finance through a limited company can involve more detailed requirements and specific criteria from lenders, making effective assistance from a professional mortgage broker valuable.
CRC Mortgages has extensive experience working with landlords throughout Liverpool, guiding them carefully through the process to make securing finance as straightforward as possible. Our advisors take the time to understand both your short and long-term goals, helping you find mortgage products suited to your circumstances.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED ON IT
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £449 to £699 and this will be discussed and agreed with you at the earliest opportunity.
If you would like to speak with an adviser,
please contact us below.
When to Consider a Limited Company Buy-To-Let Mortgage
Property investors in Liverpool often choose limited company mortgages for various reasons, including potential tax advantages and simplified portfolio management. You might consider investing via a limited company structure if:
- You own multiple buy-to-let properties or intend to grow your portfolio further.
- You are a higher-rate taxpayer looking to explore potentially more tax-efficient investment routes.
- You want clearer separation between personal and company finances.
- You’re planning your long-term exit strategy or wealth management strategy.
Whatever your motivation, it’s crucial to seek specialist advice from experienced, knowledgeable mortgage brokers in Liverpool. CRC Mortgages can help you navigate the essential details and lender criteria associated with limited company buy-to-let mortgages as transparently and efficiently as possible.
Remortgaging Limited Company Buy-To-Let Properties in Liverpool
In addition to new property investments, CRC Mortgages can also help landlords in Liverpool who are looking at remortgaging their buy-to-let properties under a limited company structure. Whether you’re seeking improved interest rates, equity release for further investment, or simply wish to restructure your current financing arrangements, we take the time to evaluate your situation and help secure competitive mortgage options suitable for your specific needs.
Our Liverpool-based mortgage brokers regularly assist property investors with remortgaging strategies to make the process operate as smoothly and efficiently as possible. We carefully discuss your options and provide clear, understandable advice tailored to your objectives.
Why Choose Our Mortgage Brokers in Liverpool?
At CRC Mortgages, we pride ourselves on our personalised and customer-focused approach. We understand the unique dynamics of Liverpool’s property market and the challenges involved in securing limited company buy-to-let mortgages, making us an ideal partner to support property investors throughout the city.
Investors choose CRC Mortgages because:
- We offer friendly, professional and clear mortgage advice tailored specifically to limited company arrangements.
- We take the time to understand your investment objectives and financial position in depth.
- We have experience dealing directly with lenders who accept limited company mortgage applications.
- We remove as much complexity as possible from the mortgage application process, saving you valuable time where we can.
Frequently Asked Questions about Limited Company Buy-To-Let Mortgages in Liverpool
Can any limited company apply for a buy-to-let mortgage?
Lenders typically prefer special purpose vehicles (SPVs) established solely for property investment purposes. CRC Mortgages will help clarify exactly what kind of limited company structure will be accepted by various lenders.
Are limited company buy-to-let mortgages more expensive?
Interest rates and fees associated with limited company buy-to-let mortgages can sometimes be different to individual buy-to-let mortgages. It is important to get advice from a mortgage broker who understands these differences clearly.
What is a personal guarantee?
Most lenders require company directors or shareholders to provide a personal guarantee when taking out a mortgage through a limited company, ensuring added security for the lender. At CRC Mortgages, our advisors will clearly explain how personal guarantees work, making sure you understand your obligations.
What deposit will I need for a limited company BTL mortgage?
Deposit requirements vary among lenders, but typically range from around 20%-25%, depending on the loan criteria and individual lender policies. Our brokers can help clarify deposit requirements relevant to your specific circumstances.
Do I need an accountant to set up a limited company for property investment?
We strongly recommend seeking advice from a qualified accountant to ensure your limited company is structured in the most tax-efficient way possible, as this decision can significantly impact your finances in the long term.
If you’re considering investing via a limited company in Liverpool and require expert mortgage advice, please contact CRC Mortgages today. Our professional mortgage advisors are ready to assist with clear guidance and efficient support, ensuring you receive the mortgage assistance you require.