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Welcome to Advocate Finance, your trusted mortgage broker for investment mortgages.
Discover the benefits of using a Limited Company Share Purchase Mortgage to acquire limited companies holding buy-to-let properties.
This specialised mortgage option can help you grow your property portfolio while offering significant tax savings, particularly on Stamp Duty Land Tax (SDLT).
In this example, using a Limited Company Share Purchase Mortgage to acquire shares instead of the property itself results in an SDLT saving of £27,500.
Scenario | Property Value | SDLT Liability | Stamp Duty on Shares | Savings |
Direct Property Purchase (B2L) | £500,000 | £30,000 (including 3% surcharge) | N/A | £0 |
Limited Company Share Purchase | £500,000 | N/A | £2,500 | £27,500 |
At Advocate Finance, we specialise in arranging Limited Company Share Purchase Mortgages.
These products are offered by lenders who understand the unique structure of buying shares in property-holding companies.
Our team will guide you through every step, ensuring you maximize the benefits of this innovative approach.
Advantages of Ltd Co Share Purchase Mortgages | Disadvantages of Ltd Co Share Purchase Mortgages |
| Potential tax savings | Limited amount of lenders |
Expertise and Experience:
Tailored Financial Solutions:
Competitive Fee Structure
Comprehensive Range of Services:
This type of mortgage helps reduce SDLT costs by taxing the transaction as a share purchase rather than a property purchase, often leading to significant savings.
Yes, you can refinance properties already owned by a limited company. However, the Limited Company Share Purchase Mortgage applies specifically to acquiring shares in a company holding properties.
Yes, due diligence is essential to identify any hidden liabilities within the company, such as unpaid taxes or legal disputes. Professional advice is crucial.
Most lenders cater to standard residential buy-to-let properties, but there are options for HMOs, commercial properties, and mixed-use developments.
This mortgage is most beneficial for high-value transactions where SDLT savings outweigh the costs associated with purchasing a limited company.
Our advisers offer a FREE consultation, so please give us a call or use the “Get in Touch With Us” form at the end of this page.
Our expert team of mortgage brokers are here to guide you through every stage of the process.
Important Information
ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We are a credit broker not a lender.
Advocate Finance Ltd, registered at 55 Crown Street Brentwood, Essex CM14 4BD. Company Register number is 05579380. Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is 592830.
You can check via www.fca.org
We are registered with the ICO, Z1654205 and you can check via www.ico.org.uk.
We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority. We source mortgages and loans from a panel of lenders.
We may receive a commission that will vary depending on the lender, product, the amount borrowed or other permissible factors.
Advocate Finance is a mortgage and finance brokerage firm that specializes in securing loans and mortgages for various types of properties, including single properties, large portfolios, commercial sites, and development projects. They assist clients regardless of credit history, circumstances, or legal ownership, aiming to provide tailored financing solutions