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Category: limited company mortgage guides

Investing in rental property using a complex, layered limited company structure is possible, but it takes the right expertise to help you do it. Get our expert insights on how to maximise the lenders you can access, to put you in the best possible position regarding the mortgage interest rates you can access.

As a specialist buy to let mortgage broker, we are in the perfect position to help you navigate this intricate method of property investment, and simplify your path to success. What's more, our Account Management team will smooth your path to completion, so that a mortgage application is no longer an administrative nightmare and becomes a walk in the park.

Watch our video guide to understand what you need to do to access the most competitive mortgage interest rates when you are using a layered limited company investment structure.

 

Video guide transcript: Investing in property via a layered limited company - tips for success

"Are you thinking of investing in property, using a layer limited company structure? If you are, we can definitely help you achieve this.

It's a useful way to invest funds from a trading company into an SPV."

(Special Purpose Vehicle, a limited company set up for a specific purpose, in this instance to invest in property).

"It's more tax efficient. Do seek tax advice. That is very important."

(As a mortgage broker, the Commercial Trust team are not qualified to give you tax advice, so to understand your tax position, please speak to a tax professional)

"A layered limited company is where you've got a holding company at the top of the structure and multiple trading or SPV companies underneath that. 

Ideally you want to have the same shareholders and the same directors aross all of them."

(By setting up the holding company and the companies below it with the same named individuals and in the same way, the lender and product options available to you will be greater, which means you have more choice on mortgage rates. We can still help even if they are different, but it may narrow the available options).

"If that's not the case, exceptions are possible and we can look into those for you. Not all lenders are happy to accept layered limited company structures, but we got plenty across our panel that do and we'll be more than happy to help you. So, if this applies to you, give us a call today!"