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Buy to let (btl) and LimiTed company buy to let
Buy To Let
The appeal of property as an investment may have been dented by a number of tax and regulatory changes yet bricks and mortar remains a preferable alternative to the uncertainty of the stock market for many investors.
Buy-to-let is a well-established market with many investors offering competitively-priced products for landlords, whether you own property in your own name or via a limited company.
Whether you are a novice landlord buying your first property, an accidental landlord looking for funding on a property you already own, or an experienced investor with a large portfolio, Smile Finance Limited can help with your buy-to-let mortgage requirements.
We have access to all the deals on the market, both for purchase and remortgage, as well some exclusive products from specialist lenders who don’t deal directly with the public.
Limited Company Buy To Let
Following changes to mortgage interest tax relief, many buy-to-let landlords have either switched their portfolio to a limited company structure or at least are purchasing any further properties this way, rather than in their own name.
There can be tax advantages of doing so, although you should always take specialist tax advice before taking the plunge.
More lenders are offering mortgages for limited companies than in the past, so rates have fallen and there is more choice available.
Smile Finance Limited has strong relationships with all the main buy-to-let lenders, as well as some specialist providers, so can help find the right mortgage for you, whether you are buying or refinancing via a limited company structure.