Mortgages for Limited Companies

Helping you secure a mortgage that’s right for you

Although all mortgages generally operate in the same manner, the main difference for limited companies comes in the form of how the lender (i.e. mortgagee) chooses to assess the ‘affordability’.  As well as looking at the turnover and expenses of the limited company, the lender may also require information on connected companies and individuals.  Also, the deposit expected for the mortgage is much higher than for most individuals, generally in the region of 25% or more.  Fortunately, the number of lenders in the commercial mortgage market has increased over the last few years, which means mortgage deals have recently become more competitive and attractive.

There are many advantages of purchasing properties via a limited company, such as limited liability, ease of transfer of assets and tax savings.  However, there are some pitfalls that need to be avoided to help the mortgage transaction progress smoothly and to a successful outcome.  That’s why it’s important to choose the right mortgage broker.

Integrity Finance and Mortgages has the expertise, experience and access to a wide range of products to help you find the best commercial mortgage for your specific situation.  Whether you are a new investor looking for guidance on how to invest via limited company (including Special Purpose Vehicle) or a seasoned property developer, do contact us today to see how we can help you secure the best deal for you and your business.