Many self-employed couples supplement their retirement provision with a buy-to-let portfolio, small or large. It's an area we've built up a lot of experience advising on, from a single SPV purchase to complex, non-standard lets.
Why buy through a limited company at all? We explain how holding a property in an SPV can be taxed more efficiently than owning it personally, and find lenders who understand SPV borrowing.
Buying a property within your existing trading company rather than a separate SPV, and understanding how lenders view that differently.
Loaning the BTL deposit from your trading company to an SPV, a way to put retained profit to work without drawing it out as a taxed dividend first.
HMOs and corporate lets, including arrangements like Serco housing let to care companies: the cases most brokers won't take on.
We take a full picture of your existing portfolio, company structure, and what you're trying to achieve, whether that's one property or building on several.
You get a clear report setting out the options available, including structure, likely lenders, and the reasoning behind each recommendation.
Once you're happy, we take the case through to application and offer, liaising with your accountant and solicitor along the way where needed.
What follows is an illustrative scenario, not a real client case, showing how this kind of lending can work in practice.
A co-director couple had been declined by two lenders for a buy-to-let purchase through their limited company. We placed the case with a specialist lender who lends to SPVs on this basis, structured so profits stay inside the company rather than being drawn out personally.
Illustrative example only, based on a typical scenario. Figures are not a quote and individual circumstances vary.
Rather than setting up a separate SPV, some clients want to hold a buy-to-let inside their existing trading company. Lenders assess this differently to an SPV purchase, and not every lender will consider it at all, so we work out early on whether it's realistically achievable before a couple sets their heart on a property.
Illustrative example only, based on a typical scenario. Figures are not a quote and individual circumstances vary.
A couple wanted to use profit sitting in their trading company to fund a deposit on a new SPV purchase, without drawing it out as a dividend first and paying personal tax on it. Structured as a loan from the trading company to the SPV, the deposit was funded from retained profit while the mortgage itself was arranged in the usual way against the SPV.
Illustrative example only, based on a typical scenario. Loans between companies, or between a company and a director, can trigger tax charges (including the section 455 charge on close company loans, or a benefit-in-kind charge on cheap or interest-free loans) if not structured and documented correctly, so this always needs to be set up with your accountant. Figures are not a quote and individual circumstances vary.
Not every lender will consider an HMO, and fewer still will consider a corporate let, such as a property let to a care company under a Serco-style housing arrangement. We work with lenders who understand these tenancy types and assess the case on that basis rather than declining it on sight.
Illustrative example only, based on a typical scenario. Figures are not a quote and individual circumstances vary.
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