Holding property through an SPV lets the company treat mortgage interest as a business expense. Rates are typically higher than personal-name products but the tax position is often better.
We source buy to let deals across the whole market, including products that lenders only release through an intermediary. Tell us your circumstances and an adviser will come back with the ones that actually fit.
Get my optionsMost buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
A special purpose vehicle is a limited company set up solely to hold property, usually registered under SIC codes 68100, 68201, 68209 or 68320. Most buy-to-let lenders will only lend to an SPV rather than a trading company.
No. Company products usually carry higher rates and larger arrangement fees. Whether it works out cheaper depends on your tax band, how long you hold the property and whether you draw the profits. This is a question for an accountant, not a broker.
Answer a few questions and a qualified adviser will come back with the lenders that realistically fit — including the ones that only accept business through an intermediary.