Buy-To-Let & Ltd Co Mortgages

A buy-to-let mortgage is a mortgage for a property you plan to rent, rather than living in it yourself – making you a landlord. As a landlord, you can start to charge rent to cover mortgage repayments and the costs of maintaining your property, which can be a profitable investment. However, navigating the buy-to-let market — especially when considering Ltd Company (SPV) lending  can be complex without the right advice.

Crawford Mulholland has many years of experience in advising on buy-to-let mortgages for clients in Belfast and further afield. Whether you’re investing in your first buy-to-let property, or adding to your portfolio, we’ll guide you through every step from choosing between personal and limited company ownership to finding the most tax-efficient and suitable mortgage product for your goals.

There are key differences between standard residential and Buy to Let mortgages. You’ll usually need a larger deposit, and if you don’t yet have tenants in place, lenders will want to see that your property is ready to rent. Many Buy to Let mortgages also offer interest-only options, allowing you to pay just the interest each month and repay the original loan at the end of the term.

At Crawford Mulholland, we make these options simple to understand from personal versus Ltd Company (SPV) Buy to Let lending, to choosing between interest-only and repayment products, and identifying which solution best fits your investment strategy. Whether you’re a first-time landlord or building a larger portfolio, our experienced Belfast mortgage advisers will help you structure your investments efficiently and secure the most suitable Buy to Let mortgage for your goals.

The Financial Conduct Authority does not regulate some aspects of buy to let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.