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Specialist HMO mortgages for limited company borrowers.
Limited Company HMO mortgages are specialist financing products for property investors who wish to purchase and operate HMO properties through a corporate structure rather than personally.
These mortgages offer significant tax advantages, including corporation tax rates (typically lower than higher-rate personal tax), the ability to claim mortgage interest as a business expense, and opportunities for tax-efficient profit extraction through dividends.
Limited company ownership also provides asset protection through limited liability, separating business and personal assets.
The mortgage application process considers the company's financial position, director guarantees, and the property's rental potential.
Many investors use Special Purpose Vehicles (SPVs) - companies created specifically to hold property investments - which can provide cleaner corporate structures and facilitate portfolio growth.
Many landlords choose to purchase through a corporate structure—here's how to set up a limited company according to UK guidelines.
Take advantage of corporation tax rates and allowable expenses.
Limited liability protection for your property portfolio.
Mortgages in the company name, not personal guarantees.
Scalable structure for building a larger HMO portfolio.
Support with SPV company setup and structure.
Access to specialist limited company HMO rates.
Check if you meet our criteria for limited company hmo mortgages:
Our streamlined mortgage process makes it simple and stress-free:
Discuss your mortgage needs and current situation with our specialist advisors.
Our experienced team works to ensure your mortgage completes as quickly as possible. We'll keep you updated throughout the process and handle any issues that arise.
Live rates from our specialist lenders for limited company hmo mortgages:
Important Notice: The rates displayed on this page are not currently correct and should not be used for decision making. Please for up-to-date rates.
No rates available for this category at the moment.
Understand the costs involved with limited company hmo mortgages:
Fees can vary significantly between lenders and depend on your specific circumstances. Our brokers will provide you with a detailed breakdown of all costs before you proceed. Some fees may be negotiable or waived depending on the lender and loan amount.
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