Limited Company (Ltd)
Very CommonBorrowing through a UK limited company
Advantages
- + Corporation tax on profits (currently 25%)
- + Mortgage interest fully deductible
- + Limited liability protection
- + Easier to add business partners
Considerations
- - Personal guarantees usually required
- - More paperwork than personal name
- - Annual accounts and filings required
- - Some lenders charge company fees
Documentation Required
Certificate of Incorporation
Memorandum & Articles of Association
Personal guarantees from directors
Proof of ID for all directors/shareholders
Lenders Accepting Limited Company (Ltd)
| Lender | Rate From | Max LTV | Notes |
|---|---|---|---|
| Shawbrook | 0.49% /mo | 75% | Standard Ltd companies, trading or SPV |
| Glenhawk | 0.50% /mo | 75% | Flexible on company age |
| Together | 0.52% /mo | 75% | Newco and trading companies |
| United Trust Bank | 0.48% /mo | 75% | Quick on Ltd company applications |
| MT Finance | 0.55% /mo | 75% | All Ltd structures accepted |
| Octane Capital | 0.55% /mo | 75% | New and established companies |
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