What's the current landscape for limited company buy-to-let mortgages? Are rates significantly higher than personal mortgages, and what are the typical deposit requirements and lender criteria for a new SPV (Special Purpose Vehicle) company with no trading history?
Quick Answer
Limited company buy-to-let mortgages for new SPVs typically require 25-40% deposits, with rates around 5.5-6.5%. Lenders assess the directors' experience and the property's rental income, often with stricter stress tests than individual applications.
About This Topic
Limited company BTL mortgages for new SPVs have higher rates (5.5-6.5%) and 25-40% deposits. Understand lender criteria and tax benefits.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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