If you are finding it hard to get a self employed mortgage because you are self employed or a contractor, then you are in the right place. We specialise in people who have complex incomes need to boost their affordability we can help you to buy or remortgage sooner.
Our award-winning team of mortgage experts can help you navigate the mortgage process as a visa holder and find the best deal for you from across our panel of lenders.
Whether you’re coming to the end of your current fixed rate deal or want to make your repayments more affordable, you’re in the right place. When you create a free Tembo plan, you can see what deals you could have access to by remortgaging with the same lender, and whether it’s better to stay or move to a new provider.
If rising interest rates are leaving you worried about how you’ll afford mortgage costs, consider an interest-only mortgage. Discover how your repayments would be reduced
Whether you’re thinking about becoming a landlord, or want to remortgage your current Buy to Let property, you’re in the right place. See what Buy to Let mortgage deals you could be offered, including personalised rates and indicative monthly repayments.
Whether you have a property already, or are thinking of buying a second home to rent out to loved ones, a family Buy to Let mortgage could be the answer. See what options are available to you, including your max borrowing potential, personalised rates & indicative repayments.
Whether you have a property already, or are thinking of buying a second home to rent out to loved ones, a family Buy to Let mortgage could be the answer. See what options are available to you, including your max borrowing potential, personalised rates & indicative repayments.
Want to sell up but struggling to find a buyer? Or maybe you want to purchase a new home but keep your current one too? A Let to Buy mortgage could be the answer. See what options are available to you
In the UK, a portfolio landlord is defined as a landlord with four or more mortgaged buy-to let properties. These properties can include those owned outright, but only those with a current buy-to-let mortgage in place are counted. Portfolio landlords can benefit from a buy-to-let portfolio mortgage, which allows them to manage all their properties under one mortgage with a single lender. This simplifies the management of finances and reduces the number of lenders to deal with.
The types of properties that can be included in a portfolio mortgage range from standard Buy to let properties to holiday lets and consent to let properties. The mortgage is typically interest only and secured on the rental properties.
Limited company buy-to-let mortgages in the UK offer tax advantages and flexibility for landlords looking to invest in rental properties through a corporate structure.
What is a Limited Company Buy-to-Let Mortgage?
A limited company buy-to let mortgage is a specialized loan designed for landlords who purchase properties through a limited company, often set up as a Special Purpose Vehicle (SPV). This structure allows landlords to benefit from various tax efficiencies and asset protection compared to personal buy-to-let mortgages.
Limited companies pay corporation tax on profits, which is generally lower than the income tax rates for higher-rate taxpayers. This allows landlords to fully deduct mortgage interest and other expenses, which is not possible with personal buy-to-let mortgages.
Operating through a limited company provides a layer of protection for personal assets. If the company faces financial difficulties, personal assets are generally safeguarded.
Profits earned within the company can be retained and reinvested into additional properties, facilitating portfolio growth without immediate tax implications.
Specialist lenders often have more flexible criteria for limited company mortgages, accommodating larger property portfolios compared to traditional lenders.
