A limited company Buy-to-let mortgage is designed for property investors looking to invest in a variety of potential residential assets, ranging between single flats through to multiple properties on one loan.
Property investors and landlords may opt to invest through a limited company, rather than as an individual. This may bring with it certain tax advantages and other perks. But, with these benefits also comes potential complications. Attaining a Buy-to-Let mortgage through a limited company may require extra due-diligence on the lender’s part.
Fortunately, at MFS, we have limited company Buy-to-Let mortgages available that are specifically designed with corporate setups in mind. Our specialist Buy-to-Let mortgage will factor in your background, and your business’ operations to deliver the funding you need to invest in English or Welsh property.
Get a quote for your buy-to-let mortgage loan in seconds. Use our free-to-use online calculator to find out the max. amount we can loan to you for your buy-to-let mortgage. No waiting, just an instant estimate. Feel free to contact us to discuss the details.
You can make your initial enquiry through multiple means – over the phone, online, or via email. We respond to all enquiries within 4 hours, and you’ll be assigned a dedicated underwriter from day 1. This underwriter will be in touch to attain some initial details on your limited company Buy-to-Let mortgage enquiry before they provide an indicative tier, rate, and loan size.
If you’re happy to progress with your Buy-to-Let mortgage through a limited company application, we’ll require a few documents to get the ball rolling. Your underwriter will break down exactly what’s needed. We’ll then be able to issue a Decision in Principle (DIP), which will be verified by our Credit Committee. Typically, DIPs are delivered within 24 hours.
When you sign the DIP, and once valuation and admin fees are covered, we can move to value the property in question. Your underwriter will work with our internal panel of valuers to determine the best terms/timescales for your limited company Buy-to-Let mortgage. The security details determined in the DIP will be verified, and valuations are usually organised within 24 hours of fees being cleared.
Limited company mortgages will need to go through a legal assessment, and this is where solicitors come into play. We have a trusted panel of legal professionals who are adept at dealing with Buy-to-Let mortgages through limited company setups. This panel works quickly to make sure everything completes in time and throughout the process, you’ll be kept in the loop.
When everything is ready, your limited company Buy-to-Let mortgage will become available for draw down. You’ll then be able to put the funds to use for your property investment plans. Where everything lines up perfectly, your limited company Buy-to-Let mortgage could be with you within 7 days of your initial enquiry.
Speak to one of our underwiters or BDMs on the phone, via chat or email about your case, however complex it might be. We will try our best to say yes to you, instead of finding a reason to say no.
Email: info@mfsbtl.com
Phone: +44 (0)20 7060 5678
Email: brokers@mfsuk.com
Phone: +44 (0)20 7060 1234
They work in the same way as our standard, or complex Buy-to-Let mortgages. The funding will be used on a property that’s let out to a 3rd party in return for rental income. This can include a single tenant, a family, unrelated groups (e.g. students, several tenants each renting a room), or short term lets like an Airbnb.
No, so long as the property (or properties) is based in mainland England or Wales, our limited company Buy-to-Let mortgages cover the same types of properties our individual mortgages do. This includes residential assets, new builds, student lets, MUFBs of up to 30 units and more.
Every one of the enquiries we receive are assessed on their own merits and features. But there may be additional due diligence placed on those getting a Buy-to-Let mortgage as a limited company. We may review the shareholder details, or look into the company’s home country if it’s based overseas, for example.
You’ll be able to apply so long as you have a deposit of at least 25%. What’s more, you have many routes available for getting the ball rolling. Initial enquiries can be made over the phone, online, or via email.
Yes, generally all of our products are available to borrowers from anywhere in the world, other than sanctioned countries. This includes expats, foreign nationals, offshore companies, and offshore trusts.
Yes, our Buy-to-Let mortgages are also available for LLPs, SPVs, self-employed workers and more.
Yes, in fact, you may be able to refinance onto one of our bespoke bridging products dependent on your future plans. We have a range of options available to support property investments with their long-term goals. For example, our permitted & light development bridging loans can allow you to spruce up your property for new tenants, while our complex bridging loans can help you address any unforeseen complications that may emerge.
