Landlord tax changes and new buy to let affordability assessment rules have caused an influx in the popularity of purchasing investment properties via an SPV limited company, especially for those who own investment properties already and/or are higher rate tax payers. A portfolio landlord is defined as an individual that has 4 or more investment properties. Lenders now need to assess the financial viability of every property in a landlord’s portfolio when deciding whether to offer them a further loan which has caused many of landlords to purchase further properties via a limited company. This is often deemed more tax efficient and creates a separate ownership entity.
AdviserFinance has a wealth of experience in this sector, whether it be finance for your limited company property or as a portfolio landlord, and can support you to successfully re-mortgage or purchase properties personally or within your company.