Buy to let mortgage Liability Partnership LLP

Published 30 January 2017 · Last reviewed 1 May 2026

Tax efficient Buy to let mortgage Liability Partnership LLP

The planned taxation changes have sent the buy to let mortgage market off in tangents; many of the Landlords I talk to are contemplating purchasing or remortgaging under a limited company for their next project, but every now and again, I get a request for a Buy to let mortgage Liability Partnership LLP. In most instances the clients are clued up and acting on their tax advisors’ advice. Sometimes the mortgage strategies put forward involve a sequence which starts with the buy to lets placed inside a LLP with a view flip them into a Limited Company at a later stage.

I’m not a tax advisor nor naive either: recently I’ve heard the virtues of limited companies and LLPs; in the past it’s been trust and offshore British Virgin Island (BVI) mortgages, it’s not my place to comment on the best way, but I’m a very good facilitator of tax efficient mortgages whatever you and your tax advisor decide.

Buy to let mortgage Liability Partnership LLP

Please click through to see an example of a limited liability partnership buy to let mortgage product. How this can be used for tax efficient purposes will need to be discussed with a specialist tax advisor.

Niche Advice arranges mortgages but is not a Lender or a Tax Advisor and you should alway seek expert tax advice before making a decision.

Features / description: Limited Liability Partnership buy to lets. Rental coverage 125% at 5.5% notional rate (5% for straight-swap remortgages).

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Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. A small number of buy-to-let mortgages are FCA-regulated — typically Consumer Buy-to-Let (where the borrower is not acting in the course of a business, such as an accidental landlord who has inherited or moved out of a former main residence) and Family Buy-to-Let (where the property is let to an immediate family member). Limited-company buy-to-let, portfolio buy-to-let and standard personal-name buy-to-let are not regulated by the FCA.

Where the underlying mortgage is not FCA-regulated, the lender's conduct on that loan is not covered by FCA rules and you may have reduced access to the Financial Ombudsman Service for complaints about the lending decision or product terms. However, Niche Advice Limited is a Credit Broker authorised and regulated by the Financial Conduct Authority (FCA No: 750263), and our broking activity — including the introduction we make to the lender — IS FCA-regulated under the FCA's CONC rules. Complaints about our broking service can therefore be referred to the Financial Ombudsman Service in the usual way.