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HMO Mortgages for a Limited Company (Ltd Co)

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HMO Mortgages for a Limited Company or Companies are now increasingly more common, to help residential landlords protect against additional tax on income.

Limited Company HMO Mortgages have been ever more popular since 3 years ago thanks to the changes in brought about in buy-to-let tax legislation, including Section 24.

Section 24 was announced in the summer budget of 2015 and has been implemented incrementally since April 2017.

It means that the amount of income tax relief landlords receive for residential property finance costs will be restricted to the basic rate of tax if the property is held in a personal name.

Top 10 Best HMO Mortgages For a Limited Company (Ltd Co)

No Mortgage Type Loan Type App Type Product Type Rate LTV
15 Fixed ReMortgage Individual Yes ££25,000 2 Years fixed 3.20% 75%
23 Fixed Purchase Ltd Yes ££25,000 2 Years fixed 3.20% 75%
31 Fixed ReMortgage Ltd Yes ££25,000 2 Years fixed 3.20% 75%
11 Fixed Purchase Individual Yes ££25,000 5 Years fixed 3.50% 75%
19 Fixed ReMortgage Individual Yes ££25,000 5 Years fixed 3.50% 75%
27 Fixed Purchase Ltd Yes ££25,000 5 Years fixed 3.50% 75%
35 Fixed ReMortgage Ltd Yes ££25,000 5 Years fixed 3.50% 75%
6 Fixed Purchase Individual Yes ££25,000 2 Years fixed 3.60% 75%
14 Fixed ReMortgage Individual Yes ££25,000 2 Years fixed 3.60% 75%
Product Code:
2BM027
Reversionary Rate:
5.60%
Loan Type:
Purchase
Arrangement Fee:
1%
Early Repayment Change:
3% for 2 years
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM027
Reversionary Rate:
5.60%
Loan Type:
ReMortgage
Arrangement Fee:
1%
Early Repayment Change:
3% for 2 years
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM027
Reversionary Rate:
5.60%
Loan Type:
Purchase
Arrangement Fee:
1%
Early Repayment Change:
3% for 2 years
Application Type:
Ltd
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM027
Reversionary Rate:
5.60%
Loan Type:
ReMortgage
Arrangement Fee:
1%
Early Repayment Change:
3% for 2 years
Application Type:
Ltd
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM070
Reversionary Rate:
4.85%
Loan Type:
Purchase
Arrangement Fee:
2%
Early Repayment Change:
5% for years 1 and 2
4% for years 3 and 4
3% for year 5
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM070
Reversionary Rate:
4.85%
Loan Type:
ReMortgage
Arrangement Fee:
2%
Early Repayment Change:
5% for years 1 and 2
4% for years 3 and 4
3% for year 5
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM070
Reversionary Rate:
4.85%
Loan Type:
Purchase
Arrangement Fee:
2%
Early Repayment Change:
5% for years 1 and 2
4% for years 3 and 4
3% for year 5
Application Type:
Ltd
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM070
Reversionary Rate:
4.85%
Loan Type:
ReMortgage
Arrangement Fee:
2%
Early Repayment Change:
5% for years 1 and 2
4% for years 3 and 4
3% for year 5
Application Type:
Ltd
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM046
Reversionary Rate:
5.60%
Loan Type:
Purchase
Arrangement Fee:
0%
Early Repayment Change:
3% for 2 years
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:
N/A

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

Product Code:
2BM046
Reversionary Rate:
5.60%
Loan Type:
ReMortgage
Arrangement Fee:
0%
Early Repayment Change:
3% for 2 years
Application Type:
Individual
1st Time Landlords:
Yes
Minimum Income:
£25,000
Minimum Loan:
£30,000
Maximum Loan:
£750,000
Maximum Bedrooms:
N/A
Features:

Get a decision in principle
(DIP) in just 2 hours

Apply Now REQUEST FULL DETAILS

or speak to a specialist HMO
mortgage adviser
: Free

0203 970 4113

8am - 8pm Mon - Fri

0203 970 4113

As a direct result of Section 24, increasing numbers of residential landlords have sought to protect against tax by using Limited Companies (LTD CO) and Special Purpose Vehicles (SPV) to hold residential property and, due to the higher cashflow, HMOs especially.

When set up correctly Limited Companies can be an excellent way to protect against tax when holding residential property.

For more all you need to know about HMO mortgages, we have compiled the ULTIMATE GUIDE TO HMO MORTGAGES, that answers all of your HMO mortgage related questions in detail.

The Ultimate Guide to HMO Mortgages

Alternatively, call one of the team on 0203 970 4113 for more specific advice, or to get a Fast & Free QUOTE for a Limited Company (LTD) HMO Mortgage.

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