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Limited Company Mortgage Advice in Nottingham

Financial peace of mind

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See all reviews

Limited Company

Mortgages

We’ve been advising Nottingham property investors and businesses with commercial and business mortgages for many years. Working closely with you and your team to understand your investment goals and current position, we can support with the setting up of SPV’s, sourcing properties, establishing affordability, sourcing lenders, and applying for a company mortgage on your behalf.

As an independent mortgage broker, we work for you. Castlegate Financial Services are not tied to any banks or building societies so you can have peace of mind that we always have your company’s best interests at heart. Supporting you and your business every step of the way – we can manage the entire process so that you can focus on building your successful investment portfolio.

Commercial
& Business

Mortgage Advice in Nottingham

A company mortgage is a mortgage designed for a person/people who set up a limited company to buy, buy to let property. The Directors of the company are assessed for the mortgage application; however, the company will be the owner of the mortgage and property. The limited company is set up as an SPV (Special Purpose Vehicle) and its only use is to buy investment property.

Mortgages taken out to buy investment property under an SPV are specialist mortgages, with lenders requiring additional criteria to be met such as extra legal advice and personal guarantees, in order to protect themselves in case the company is ever shut down.

If you are an investor, you may want to consider a company loan under as SPV due to the substantial tax benefits available, when you invest in buy to let property this way. An SPV can be set up instantly and does not have to have traded, however you will need to ensure you have a business bank account and have set up specific SIC Codes during incorporation. SIC codes allow the company to invest in property and are required by lenders in order to process your application.

There are various different ways a company can be set up based on your personal circumstances e.g. other shareholders can be set up to provide a more tax efficient strategy. Therefore, we always strongly advise speaking to an experienced mortgage broker and our a specialist tax and accountant experts before setting up a company.

How We Work with you

get to know you
and your Investment goals

Liase with tax and
accountancy experts

Assess your
affordability

SEARCH THE WHOLE MARKET
to find the best deal

APPLY for a mortgage
in priciple

Process your buy to let mortgage application through to completion

Liaise with the solicitors, letting agents and surveyors

Be on hand when your mortgage is next up for review

get to know you
and your Investment goals

Liase with tax and
accountancy experts

Assess your
affordability & SPV

SEARCH THE WHOLE MARKET
to find the best deal

APPLY for a mortgage
in principle

Process your company mortgage application through to completion

Liaise with the solicitors, letting agents and surveyors

Be on hand when your mortgage is next up for review

After working with you to understand what your investment goals are, we will liaise with your team or our recommended tax and accountancy experts, to establish the most tax efficient structure. Once we have confirmed the most tax efficient way for you to invest, we can support with the setting up of a SPV and the confirmation of SIC Codes required for your investment. Once we have assessed the SPV meets the lenders criteria, we will then carry out a credit check for the Directors of the SPV to ensure the mortgage is affordable.

Directors can be made to have independent legal advice and asked to provide personal guarantees, if so we will liaise with all parties involved – managing the entire business mortgage application through to completion.

As well as handling company mortgage application process, we are on hand to support and advise with all other aspects of buy to let investments by recommending you to our trusted network of property professionals including solicitors, surveyors, insurers and letting agents. So you have everything you need for a successful buy to let investment.

Castlegate Financial Services

Giving you financial peace of mind

Speak to our

fabulous brokers

For help and advice with limited company mortgages,
speak to our fabulous brokers today.

Speak to our advisors

Frequently

asked questions

Can a business take out a mortgage?

Yes, a limited company can take out a mortgage to buy property. If the purpose of the company is to invest in buy to let property, then the limited company is set up as an SPV (Special Purpose Vehicle) and only used to buy investment property. Mortgages taken out to buy investment property under an SPV are specialist mortgages, with lenders requiring additional criteria to be met, so it is beneficial to have an experienced mortgage broker by your side to handle the application process.

Why should I consider a business mortgage loan?

If you’re a property investor, or looking to start investing in property, then you might want to consider a company loan as there are substantial tax benefits when you invest in buy to let property this way.

What’s the difference between a business mortgage and a residential mortgage?

The difference between a company mortgage and a residential mortgage is that the lender is assessing your personal affordability for a residential mortgage and the term and conditions set out to protect them if you don’t pay your mortgage. With a company or business mortgage, the lender requires more specific criteria to be met, such as extra legal advice and personal guarantees so as to protect themselves should the company be shut down.

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THE MORTGAGED PROPERTY, WHICH MAY BE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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Castlegate Financial Services Limited is authorised and regulated by the Financial Conduct Authority.
Our firm reference number is 621597. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register
Registered in England & Wales No. 08908481. Registered address: White House, Wollaton Street, Nottingham, United Kingdom, NG1 5GF

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