Ltd Company Buy to Let

Retained profits. Tax efficiency. Faster expansion.
But is this type of investment right for you?
Lisburn Mortgage Centre can help you decide.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority do not regulate Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Ltd Company BTL Mortgages

Due to the rise in popularity of limited company Buy To Let mortgages there are more and more lenders who are offering these products. Whilst the current marketplace is small for the time being, we anticipate this to be an area that will experience growth in coming years.

Lisburn Mortgage Centre has established strong relationships with lenders who have already entered this space and has garnered a specialist knowledge of their criteria. We can therefore direct you to the most suitable product and help you with the application process.

Advantages of Limited Company structure

There are several benefits to using a corporate structure for running a buy-to-let property business. Many landlords opt to use a limited company as it can be financially advantageous and tax-efficient. Since the government announced the phasing out of mortgage interest tax relief by 2020, there are now more reasons to consider the buy-to-let limited company route to reduce tax liabilities.

R

Mortgage interest is considered an expense and can be fully offset against rental income received by the limited company.

R

Profits within the limited company are liable to corporation tax rather than personal tax.

R

Dividend allowance and directors' loans can make withdrawing profit more tax-efficient via a limited company.

R

Limited company profits can be re-invested to expand a portfolio without additional tax.

R

Options for inheritance tax planning between parents and children.