Buy to Let (BTL) Mortgages

At Apply Mortgages, we offer a range of tailored solutions to help you invest in the rental property market. We understand that investing in property can be a significant step towards financial growth and stability. Our Buy-to-Let (BTL) mortgage solutions are designed to help you navigate the complexities of property investment with confidence and ease.

we offer a comprehensive range of BTL mortgage products to suit various investment strategies. Whether you are a first-time landlord or looking to expand your property portfolio, our expert advisors are here to guide you through every step of the process. We provide personalised advice, ensuring you find the best mortgage deal that aligns with your financial goals.

Investing in property can be a rewarding venture, and with Apply Mortgages by your side, you can make informed decisions with confidence. Contact us today to learn more about our Buy-to-Let mortgage solutions and how we can help you achieve your investment goals.

LTD company buy-to-let mortgages allow you to obtain a mortgage through a limited company to purchase rental property, rather than using your personal name. This setup means the limited company will hold the mortgage and be listed as the property's owner, helping to keep your personal and business assets separate. Depending on your circumstances, LTD company buy-to-let mortgages can also provide specific advantages.

Using a limited company structure for buy-to-let investments can often provide landlords with greater tax advantages. While this approach may not be ideal for every investor, it offers several benefits that allow many property portfolio owners and those in higher tax brackets to substantially lower their tax obligations, including:

Corporation Tax: Instead of paying Income Tax on rental earnings, which can be as high as 45% for those in higher tax brackets, landlords pay Corporation Tax, which is limited to 25%. It remains significantly more cost-effective for landlords who are subject to higher income tax rates or who have expanding property portfolios.

Deductible Expenses: Expenses related to rental income, such as mortgage interest, are treated as business expenses and can therefore be deducted to reduce the overall tax liability. This is different from individual landlords, who can only receive a 20% tax credit on their mortgage interest payments.

Inheritance Tax: Holding rental properties within a limited company rather than in your personal name can also help minimize substantial inheritance tax liabilities when passing assets on to heirs.

If you don't already have a limited company, setting one up is a straightforward process. However, creating a limited company specifically for purchasing rental properties is typically most beneficial if you plan to acquire multiple properties. It's advisable to seek professional advice before proceeding to ensure this approach aligns with your long-term investment goals.

A limited company buy-to-let mortgage can offer tax advantages for many landlords, but there are also some potential drawbacks to consider:

Capital Gains Tax (CGT): Properties held within a limited company are not subject to personal Capital Gains Tax, which means you won't benefit from a CGT allowance when selling the property.

Additional Costs: If you don’t already have a limited company, you should be aware of the extra costs involved in setting one up and maintaining it.

Limited Mortgage Options: Not all buy-to-let mortgage lenders offer products for limited companies. However, working with a whole-of-market mortgage broker, such as Apply Mortgages, can help you find the most competitive available deals.

Just tap or click the button below to book a 100% FREE consultation with our Buy-to-Let Mortgage Specialist

BTL mortgages typically require a higher deposit, usually at least 25% of the property’s value. Most BTL mortgages are interest-only, meaning you pay only the interest each month and repay the capital at the end of the mortgage term. This approach helps keep monthly payments lower, making it easier to manage your investment.

Whether you're looking for your first buy-to-let property or growing an existing portfolio, get in touch for further guidance and assistance.

Applying for a BTL mortgage with Apply Mortgages is straightforward. Our expert advisors will guide you through the process, ensuring you find the best mortgage deal to suit your investment needs.

Just tap or click the button below to book a 100% FREE consultation with our Buy-to-Let Mortgage Specialist