Trading Ltd Co purchases BTL using business profits as deposit

We were approached by two business partners looking to invest in their first buy to let property - a two-bed flat in Redhill, Surrey. The partners were looking to make the purchase through their dentistry business, using the business’s retained profits as a deposit.

Buy to let funding options for trading limited companies is limited, with many lenders only catering to SPV limited companies. Pricing for trading limited companies also tends to be higher because of the complex underwriting involved.

We took the case to Keystone Property Finance, which offers the same pricing to SPVs, trading limited companies and individuals.

We helped the client fill out the application form and put together the necessary supporting documentation which included the last two years’ business trading accounts.
The case was accepted and the following terms were offered: