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Limited Company Buy To Let

Our Limited Company Buy to Let products are available for landlords operating via a limited company to purchase or re-mortgage a property.

Product Criteria for Limited Company Buy to Let mortgages

  • 2 Year fixed rates: Rental cover 125% of either pay rate +2% or 5.5% whichever is higher
  • 5 year fixed rates: Rental Cover 125% of pay rate
  • Rental Cover on debt for debt re-mortgage cases 125% of pay rate. Fees can be added to the loan for debt for debt remortgages
  • Property must be let on an AST
  • Rental assessment is based on occupation by 1 family on an unfurnished let
  • Regulated or Consumer buy to let not accepted
  • HMO not accepted
  • Minimum income requirement £25,000
  • First time buyers, first time landlords allowed.
  • For portfolio landlords the maximum LTV INCLUDING fees is 75%
  • Minimum energy performance rating of E on an Energy Performance Certificate (EPC) 
  • Limited Companies registered in the UK only
  • No time limit as to how long registered i.e. new SPV’s allowed
  • Company must be set up with the principal activity of buying and holding residential investment property and used for that purpose only in line with the appropriate SIC Code 
  • Latest set of accounts to be provided (where the company has been set up for more than 18 months)
  • All Shareholders in the Company must be named as Directors 
  • Personal Guarantees for total borrowing (plus accrued interest & costs) taken from all Directors
  • Maximum of 4 Directors – individual credit checks will be undertaken
  • Details of all properties each Director has an ownership in (either in own name or a business name) must be provided. 
  • Maximum loan size £3,000,000. Loans over this are priced on a bespoke basis and have restricted LTVs 

PLEASE READ OUR GUIDANCE NOTES AVAILABLE WITHIN OUR IMPORTANT DOCUMENTS SECTION ON OUR WEBSITE.

Saffron for Intermediaries

Your home may be repossessed if you do not keep up payments on your mortgage