Explain the company
Set out directors, shareholders, company activity and any existing borrowing.
Jack Cousins · Limited company buy-to-let
A property business needs a considered finance plan.
Discuss a limited company buy-to-let purchase or refinance with the ownership, rental figures and wider portfolio in view. Tax and legal structure need their own advice.
07456 935677 · jack@lockhartmurphy.com
Mortgage and protection advice is provided through Mortgage Force (UK) Ltd. Scope, eligibility and any fees are discussed before proceeding.
A useful starting pointPut the right details
Put the right details
on the table.
Begin with an outline. Jack will explain what needs a closer look and which documents would be useful next.
Check the property model
Discuss tenancy, rent, property condition and the lender’s rental assessment.
Look beyond the payment
Allow for voids, repairs, fees and other costs when considering the wider plan.
Your next stepTell me where
Tell me where
you’re starting.
A short outline is enough for the first conversation. Please leave out passports, account numbers and sensitive documents.
Useful things to have in mind
- Company number and activities
- Directors and full ownership chain
- Property and rent details
- Deposit origin and accountant guidance
Jack Cousins
Head of Mortgages
Lockhart Murphy
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Should I buy in a company or personally?
That depends on your circumstances and plans. Your tax and legal advisers should help assess ownership; a mortgage alone should not decide the structure.
Link to this answerThere is no promise of a mortgage, rate or timescale. Each case depends on the lender’s assessment and the complete circumstances.
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