Limited company mortgage specialists

It is becoming increasingly popular for property to be purchased by limited companies and they are often bought with a specific limited company mortgage. The property may either be rented out with a buy-to-let mortgage or lived in by directors or employees of the limited company.

Buy-to-let mortgage application process for a limited company

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Limited company landlords have the same access to mortgages as other applicants and may also benefit from certain tax reliefs. Speak to your accountant to find out more about the tax benefits of acquiring a mortgage as a limited company rather than as a private landlord.

There is little difference in the process of applying for a limited company residential mortgage as opposed to an individual’s residential mortgage, and there are great deals to be had, you just need to know where to find the best mortgage deals for limited companies.

It is likely that a limited company will pay higher interest rates, with Which? reporting that ‘the cheapest rates on limited company mortgages tend to be around 1% more expensive than those available to individual investors’. This could though be offset by the gains in tax relief. It should also be noted that since the tax rules changed in 2016 for private landlords, there has been increasing numbers of willing lenders for limited companies, so the market is becoming more competitive, which means better deals for you.

A limited company looking for a great residential mortgage deal may need an expert to help find it. Active can help: their specialist team for limited mortgages knows the market well and will guide you through the process.

You need to be a trading and profitable limited company to apply for this type of mortgage.You will be asked by the lender to provide accounts demonstrating the profitability and stability of the business and you should expect to provide at least one year of accounts showing a good level of income. Have these ready to go, and more years too, if possible. If you have less than one years’ accounts or have loss-making periods, your options may be limited. Speak to our advisers for more information.

The mortgage criteria that a limited company will need to meet varies from bank to bank; reduce the stress, limit your workload, and let us do the mortgage legwork for you. You can concentrate on finding a property and running your business.

Expert limited company mortgage advisers

Active has a team of mortgage advisers that are experts at working with limited companies, securing deals, and making their property dreams a reality. Whether it is your first or your tenth property, Active’s mortgage team will guide you through the process from application to completion.

Our expert mortgage advisers work with limited company owners to find them top mortgage deals, and it is easy to book a consultation with a specialist. We will work with you to find out what you can afford, what type of rental property you are looking to buy and more about your circumstances, so we are primed to find a mortgage deal to suit your company.  

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

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to invest in your future with a mortgage tailored to your goals

Trust our team to find the perfect mortgage for your budget and lifestyle.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Trust our team to find the perfect mortgage for your budget and lifestyle.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists
Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Make your dream property a reality

Make your dream home a reality

What our customers say

Daniel Couchman
Daniel Couchman
12 January 2024
This review is long overdue - Active mortgages got us our dream home! I spoke with around 7 different brokers from different companies which didn’t know what they were talking about but then I found Simon at active - he was straight to the point and got us the best deal and the highest amount possible. I got a bit impatient at one point but that was due to the banks taking ages to process everything - active were calm and reassured us. Highly recommended. Excellent from start to finish Even sent us a gift for Xmas - thank you!
Meena Kanagavel
Meena Kanagavel
2 January 2024
Jamie Murray from Active Mortgages has been amazing in setting up the VAT loan, whilst we purchased our Land. Right from the start, Jamie has been proactive in finding the correct (BEST) deals for us and ensured everyone is aligned to complete on time. Highly recommend using Active Mortgages, and we would certainly be using them again for future projects.Thanks once again Jamie for all your support throughout Dec, appreciate your efforts in making sure our purchase was done on time. Many thanks Meena (and Mark Jones)
Stefan Stancila
Stefan Stancila
21 December 2023
Comprehensive advice from Jamie & easy communication through remortgage process . Recommend!
Yasmin Bates
Yasmin Bates
20 December 2023
Jamie has made the whole process of buying a house very straightforward, especially for self employed. Would 100% recommend and would use again too!
Gerard
Gerard
19 December 2023
Good experience, helped us every step of the way.
darren john coggins
darren john coggins
12 December 2023
Dan has been great from start to finish. As a first time buyer it can be quite overwhelming and confusing but Dan has went above and beyond. His process was very easy, efficient and we could not recommend him enough!
FUNMI AKINLAMI
FUNMI AKINLAMI
7 December 2023
Excellent service, hard working staff
akinlami akinwale
akinlami akinwale
7 December 2023
Excellent service, very patient and willing to help staff
Michael Bennett
Michael Bennett
5 December 2023
Dan has been great from the first phone call. He has made everything simple and taken the time to explain everything to me as a first time buyer, answering any questions I have along the way, highly recommend
james whitaker
james whitaker
31 October 2023
Great professional service highly recommended for anything financial
Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Book a call with one of our team to talk about your requirements.