Where does the deposit begin?
Draw the path from the original account to the purchasing company. Clear ownership and transfer records make the funding story easier to explain.
Jack CousinsFinance Adviser & Consultancy · jackcousins.com
Lender-policy illustration · Buy-to-let
A company-funded buy-to-let deposit
An investor plans to fund a property-company deposit with a director’s loan or a loan from another company.
Illustrative situation · criteria checked
The policy that makes this worth discussing.
CHL’s published criteria accept deposits funded by inter-company, director, shareholder or partner loans. New property-related SPVs can be considered. The company, guarantors and selected product range must meet the relevant rules.
Keep in view: Lender acceptance does not settle the tax or legal treatment. Trading-company cases require referral and are restricted to CHL 2.
Read the lender’s published source ↓Work through the brief, step by step.
The deposit’s legal source and company structure need to be assessed together.
What are the loan terms?
Bring the proposed agreement and repayment expectations. The intended structure should be understood before money is moved.
Who needs to advise on the structure?
The mortgage, company arrangements and tax position need their own checks. Discuss the proposed route with the relevant accountant and solicitor.
These are practical questions for an advice conversation, rather than additional lender criteria.
Bring the facts together before deciding.
I would bring the ownership chart, funding trail and property brief together, identify the lender questions and coordinate the finance discussion with the client’s other advisers.
Explore Limited-company buy-to-let ↗A useful place to start.
You can get in touch before every item is ready. These prompts help organise the discussion; checking them does not confirm eligibility.
0 of 3 ready
Lender criteria sources
Checked . These links lead to the lender’s intermediary information. Criteria can change; current access, product rules, affordability, credit and the property must be checked for the individual case.
- CHL buy-to-let criteria search ↗Limited Companies & LLPs: Deposit, New company incorporations, Trading companies
No product rate, lending approval or completion timescale is promised.
Your next step
Does this sound like your situation?
Tell me where you are starting and what you would like to achieve.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.