News & Insight - Buy to let mortgages

Layered Company Ownership

More and more clients are looking at new and different tax efficient ways to manage their buy to let portfolios, including limited company ownershi...

Personal or Ltd Company ownership of buy to let property?

Income tax relief on buy to let mortgage interest is being restricted but is it more tax efficient and financially better all round to operate your...

Stepped Interest Mortgage – No monthly payment for three months!

A new scheme has launched to help landlords who are uncertain of making an immediate income from their property. Buy to let consultant, Luke Worrel...

3pc stamp duty surcharge loophole discovered

The 3% stamp duty surcharge, which applies to purchases of additional dwellings, may not apply on properties unsuitable for immediate habitation.

HMOs – what are they and how to finance them?

Houses in Multiple Occupation (HMO) are usually considered more profitable than standard rental property but what exactly are they and how easy is...

Should you become a landlord?

When house prices are rising and you have tenants who pay the rent on time, being a landlord is exciting and rewarding. But, when house prices are...

How to get a mortgage on a mixed-use property

Buildings consisting of shops and offices with flats above are typical examples of mixed-use properties. Both the commercial and the residential el...

10 most frequently asked questions about incorporating a buy to let portfolio

Changes to the income tax regime for residential landlords and stricter lending criteria as set out by the Prudential Regulation Authority is forc...