Limited company buy-to-let

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

Some Buy to let mortgages are not regulated by the Financial Conduct Authority.

Buying a buy-to-let property through a limited company involves creating a company often described as a special purpose vehicle (SPV). This company will be used solely for buying, letting, managing and/or selling residential real estate.

The company, rather than the individual landlord, will appear as the owner of the property at the land registry. Landlords can create the company to purchase one property or several, use it to sell or manage assets, and instruct letting agents and other professionals as if they were managing their property business as a private individual.

This will mean that higher and additional rate taxpayers, and possibly some basic rate taxpayers, will pay more tax on the rental income they receive. But the changes will not affect limited companies, making them potentially advantageous from a tax relief perspective.

PKS Associates can help ease the stress by arranging your application to the recommended lender, dealing with the lender's requirements, your solicitor and the estate agent, leaving you free to get on with your life and work commitments.