Some people may save tax by holding their large portfolios of properties in a UK limited company. Also, for very valuable properties, it may be useful to have one company hold the one property as its sole asset and have little or no other trading activity.
Holding multiple UK properties in one UK limited company can be more tax-efficient.
Some people set up structures where a UK company acts as an agent for an overseas or offshore company to save tax or for asset protection. A buy-to-let mortgage for a limited company is generally very similar to a normal mortgage with very similar terms.
Ravenwood Services knows the lenders are happy to lend to individuals acting for companies. Some of the high-street banks that we have arrangements with will also lend on these terms, and the mortgages are exactly the same products as you see on the comparison websites. Ravenwood would never advocate applying for a mortgage from a comparison website as the likelihood of you being turned down is much higher as the borrower rarely knows each lender’s exact criteria. Lots of credit checks for mortgage applications can knock down your credit score.
Here are some scenario’s:
- SPV (special purpose vehicle) companies that are newly formed
- Existing trading company mortgages
- With and without personal guarantee (PGs)
- Minor amounts of adverse credit can be accepted
- Up to 85% LTV (loan to value)
- No accounts, one years accounts, two years accounts or more
- Higher loan-to-value financing with additional security
- Pre-agreed credit lines of credit for cash auction purchases
- Interest-only terms depending on LTV and other factors
Regulated finance companies:
Accord Mortgages
Evolution Funding Ltd
Marsden Building Society
Royal Bank of Scot (Mortgage Centre)
Lloyds TSB
RBS
Masthaven Secured Loans Ltd
Evolution Money
Yorkshire Bank
Paragon Car Finance
Saffron Building Society
Pavillion Securities Ltd
RBOS
Blemain Finance Ltd
Lifetime Mortgages For Over 60S
Co-operative Bank
- Holme Bridging Loans
- Prestige Home Owner Loan
- Bridging Loan Hsbc
- Halifax Bridging Loans
- Affirmative Finance
- Rbs Fast Non Status Bridging Loans
- Together Commercial Bridging
- Nationwide Building Society Equity Release Mortgage
- Pepper Second Charge
- Yorkshire Bank Short Term Loans
- Paragon Secured Loan
- Rbs Equity Release Scheme
- Buy To Renovate Mortgage
- Yorkshire Building Society Lifetime Mortgage
- Zorin Short Term Loan
- Poor Credit Remortgage
- Best No Fee Mortgages
- Foundation Home Loans
- Coventry Building Society Equity Release
- Semi Commercial Mortgage Ltv
- How Can I Release Equity From My House
- Tsb Interest Only Lifetime Mortgages
- Optimum Credit Debt Consolidation Loans
- Development Finance Lenders
- 1St Stop Loans
- Lowry Bridging Finance
- Ortus Northern Ireland Bridging
- Hmo Mortgage Broker
- Bridging Loan Tsb
- Auction Bridging Finance
How much cash can I release?
You can release 70% of your home’s value. For example, if your home is valued at £220000, you can borrow £154000.