Limited Company Buy To Let

Limited Company Buy-to-Let Mortgages
Become tax efficient with your property

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Limited Company Finance has become the fastest growing type of finance
The Main Benefits include preferential tax implications (Tax Advice is Recommended)

SPV Company (Special Purpose Vehicle) available

A SPV Company is a company which is set up with no previous trading history, this Company then acts as a property holding company which is used for the sole intention of buying, selling and renting out properties

Why Clark Finance?

85% Loan to Value (LTV) mortgages available
100% Loan to Value (LTV) available with additional security
No minimum income required
No maximum age requirements
Personal or Limited Company finance available
Interest only mortgages available
Ex-Pat & Foreign national mortgages available
Second charge finance available

Get More Tax Relief

You can get Tax Relief under a limited company. It is recommended you speak with an accountant.

Family Planning

You may be able to add additional shareholders including your family members to the company. This will be subject to meeting lenders criteria.

Keep The Profits

You can keep the profits you make in your company. This can then be used to help save towards your next property purchase.

Larger Loans for Higher Rate Tax Payers

Limited Companies are able to get larger loan sizes than Individuals who are paying higher rate tax above £50,000. This is because Companies are only taxed using the lower rate of Incorporation Tax which is currently 19%.

Inter-Company Loans & Directors Loans

As SPV's have no trading history to begin with. A deposit is needed to acquire the property. Aside from using your own cash funds, you can also use an Inter-Company Loan or Directors Loan from your existing trading business. Tax Advice is recommended.

Joint Venture Mortgages

You can also easily set up a company with either a spouse, family member, friend or colleague. As companies can allocate shares you can then decide whether you get equal shares or whether some shareholders gets a larger share.

More Benefits to a SPV

More preferential rates are given to SPV Companies compared to Companies which aren't SPV.

No previous trading history is required. Furthermore, you can open up as many SPV Companies as you want or keep your properties all together under one Company.

You can add as many shareholders and directors as you like. This is most commonly used if you plan to add your children on as shareholders once they get older.

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Setting up a SPV Company

How to set up a SPV Company

Setting up a SPV Company only takes around a day. If you feel confident you can do this yourself by going to Companies House online. If not an accountant should be able to set up one up for you with in a matter of hours.

When setting up the company you need the right SIC code which is normally either 68100, 68209 or 68320.

SIC code 68100 is for the buying and selling of own real estate; so, if you’re going to be flipping and trading, this would be the code for you

SIC code 68209 is for the letting and operating of own or leased real estate. In other words, for buying and holding property and renting it out
SIC code 68320 is for the management of real estate on a fee or contract basis

You can have more than one SIC code on your newly created SPV Company

Mortgage Interest for Limited Companies