New Buy to Let limited company and HMO Mortgages with a small deposit

Published 23 January 2016 · Last reviewed 25 February 2017 · Older article — see current rates

It’s no secret that many landlords are looking to place their buy to let portfolios inside Buy to let Limited Company mortgage products following the Budget last year.

We are fortunate at Niche to be truly independent so we can access all the increasing number of lenders entering the Buy to Let limited company space, without restriction, so we can provide expert advice on the subject without bias.

One of the latest developments for limited company products has been emergence of an eighty percent loan-to-value (80%LTV) buy to let mortgage offering that also allows for houses in multiple occupancy (HMOs).

Interestingly, if you take out a development bridge with the same provider they will guarantee an exit strategy onto a conventional buy to let mortgage.

Highlights of Buy to let Limited Company products include:

Limited distribution including Niche.
Just a 20% deposit needed.
Personal ownership to limited companies by equity gifts.
Capital raising.
Newly formed Special Purpose Vehicles (SPVs) limited companies.
HMO properties with up to 6 bedrooms accepted.
Combined development bridging finance with a conventional buy to let mortgage as an exit.
A competitive range of fixed and tracker rate products are available.
The maximum age at application is 80 and the maximum term 30 years.
Unlimited properties with other lenders.

For an expert insight on buy to let limited company HMOs with a small deposit please call and ask to speak to me personally or complete the enquiry form on this page.

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Bridging loans are short-term finance and are typically more expensive than standard mortgages. You must have a clear and credible exit strategy — usually the sale of the property or a refinance onto longer-term lending — to be considered for a bridging loan. Interest is normally charged monthly and can be rolled or retained from the loan; this means the amount you repay may be higher than the amount originally borrowed.

Bridging loans secured against your home are regulated by the Financial Conduct Authority. Bridging loans secured against investment or commercial property are not regulated by the Financial Conduct Authority. Niche Advice Limited is authorised and regulated by the FCA (FCA No: 750263) and is a Credit Broker that does not lend directly.

This article is information, not regulated advice. Your individual circumstances — including your exit strategy, the security property type, and your wider financial position — determine whether a bridging loan is suitable for you. Always discuss your case with a qualified mortgage adviser before applying.