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Company mortgages may have higher rates and fees, but mortgage interest is a company expense. The right route depends on your personal tax position. Seek professional advice.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Do I need to be an experienced landlord\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Some lenders accept first time landlords for limited company buy-to-let, though criteria can be tighter and maximum LTV lower.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Can I transfer an existing property into a company\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"It is possible but can trigger stamp duty and capital gains tax, plus legal and lender fees. Take independent tax advice before proceeding.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What deposit do I need\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Many lenders require at least 25 percent deposit with a typical maximum of 75 percent LTV for limited company buy-to-let mortgages.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Will I need a personal guarantee\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes in most cases. 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You should seek independent financial advice before making any decisions about your financial future.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. Funding Options are a credit broker and do not provide loans directly. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. Funding Options will receive a commission or finder’s fee for effecting such finance introductions.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\\n\",\"marks\":[],\"data\":{}}]}]}"}}],"author":{"name":"Vivek Seda","jobTitle":"Business Finance Manager","slug":"vivek-seda","shortBio":{"shortBio":"Vivek is the Asset Based Lending Manager at Funding Options by Tide. Vivek has been in the industry for over 10 years, working for both lenders and brokers. His product specialisms cover Asset Finance, Invoice Finance, Property Finance and structured transactions."},"image":{"title":"Vivek Seda","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=32&h=32&q=50&fm=webp 32w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=64&h=64&q=50&fm=webp 64w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=128&h=128&q=50&fm=webp 128w","sizes":"(min-width: 128px) 128px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=128&h=128&q=50&fm=png","srcSet":"https://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=32&h=32&q=50&fm=png 32w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=64&h=64&q=50&fm=png 64w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=128&h=128&q=50&fm=png 128w","sizes":"(min-width: 128px) 128px, 100vw"}},"layout":"constrained","width":128,"height":128}}}}},"staticQueryHashes":["1250078025","1659198851","3682024094","3753363658"]}