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You are here: Home / Mortgages / Buy to Let Mortgage / Buy to let mortgage Liability Partnership LLP

by Payam Azadi

Buy to let mortgage Liability Partnership LLP

Tax efficient Buy to let mortgage Liability Partnership LLP

Payam AzadiThe 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.

Example Product Rate and Fees – Buy to Let Liability Partnership LLP

Initial Rate: 4.74%
Subsequent: 6.24%
The overall cost for comparison 6.30% APRC

The total amount you must pay back, including the amount borrowed is £538.139.24

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

Type and initial benefit period Fixed for 2 years
Minimum deposit / equity: 30%
Valuation fee £520
Booking fee £0
Lender arrangement £1995
Telegraphic transfer / CHAPS fee £30
Legal fee £500
Early repayment charge 5% of the amount repaid in the fixed period

Make an enquiry Online

Niche Advice offers all types of tax efficient buy to let mortgages including those under trading LLPs or newly formed SPVs. Speak to the experts on T: 020 7993 2044 or complete the web contact form on this site.


Any property used as security, which may include your home. may be repossessed if you do not keep up repayments on your mortgage. Niche Advice arranges mortgages but is not a Lender.


Important Information

Residential and Buy to Let Mortgages

Rates current as at 28/01/2017 . The overall cost for comparison is based on a purchase price of £300,000 over a 25 year term. The Right-to-Buy example is based on a discounted purchase price of £150,000. Repayment for Residential and Interest only for Buy-to-let (unless otherwise specified). Eligibilty will depend on your own personal circumstances.

KEY – ERC = Main early repayment charge.

The purpose of this web is for information only and is based on a fictitious illustrative scenario. It does not constitute a Mortgage Offer in any way.

It is essential that you seek independent mortgage advice as a suitable product will be based on your own individual circumstances. An interest rate should not be read in isolation, and you should refer to your personal key facts illustration and Mortgage Offers for full terms and conditions. If anything is unclear it should be discussed fully with both your mortgage and legal advisors before entering into a mortgage contract with the lender.

The information contained herein is based on research through the Trigold (IRESS UK) sourcing system. When first published to this site the data is normally 24 hours behind real time, and may or may not still be available.

A first charge over your property is required as security for the loan.

The formal mortgage offer of an advance will be subject to a valuation and other satisfactory references.

Payam Azadi

Author: Payam Azadi

Payam Azadi is a partner at Niche Advice who are whole of the market Independent Mortgage Brokers. His role is very much focused on Property financing both on residential and commercial lines. To get in contact with him please click here.

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Mortgage Conveyancing explained

AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority. FCA Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

Our Fees

Click here for our fees structure. A full detailed fee plan will accompany all our quotes.

Niche Advice Limited has a commercial arrangement under an affiliate programme with Check My File and is remunerated for referrals.

Terms and Conditions

If you wish to register a complaint, please write to us on the details below or call us on: 020 7993 2044.

Correspondence Address: Niche, Unit F6, The Addington Business Centre, Vulcan Way, New Addington, Surrey CR0 9UG.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234567.

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Tel: 020 7993 2044

Registered Office: Niche, Unit F3, The Addington Business Centre, Vulcan Way, New Addington, Surrey CR0 9UG. Registered in England & Wales. Company registration number: 06599033.

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