Limited Company Buy To Let

Are you buying in a personal name or through a Limited Company? There may be some tax benefits buying through a company and we are seeing more and more investors take this route to purchase investment properties.

Interest Coverage Ratio (ICR)

What does ICR mean for BTL?

Affordability for Buy To Let mortgages is typically assessed by looking at the interest coverage ratio (ICR). This is the ratio of gross rental income to mortgage interest repayments. Lenders typically look at a minimum ICR of 125%, but we can help you make these calculations to see how much you can borrow.

Don't forget to get insured

Insurances are really important to protect you against unforeseen financial losses, which could impact your ability to pay your normal monthly bills.

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Frequently asked questions

  • What are the benefits of buying through a Limited Company?

  • I’ve been declined by my lender. Can i apply again?

  • What is a Limited Company anyway?

  • I’ve heard about using a Special Purpose Vehicle (SPV) in order to obtain a Buy To Let property. How does this work?

Have a question? Let’s talk