Buying a Holiday Let via a Limited Company

Securing a holiday let mortgage via a limited company can be significantly more tax-efficient than buying as an individual. Our team of friendly and experienced advisors will find the most suitable mortgage that’s right for you and ensure it meets your short – and long-term needs.

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Buying a Holiday Let via a Limited Company

It may more advantageous to operate through a limited company. To safeguard your own interests, we would strongly urge you to seek the appropriate advice, perhaps an accountant or a tax adviser.

Buying a Holiday Let via a Limited Company
Generally speaking, upon disposal of the asset any capital gains tax payable may be more cost effective through a limited company. As always, we would urge you to receive the appropriate advice prior to any sale taking place.
Buying a Holiday Let via a Limited Company
You can claim capital allowances on certain renovations that are classed as business expenses.<

Securing a holiday let mortgage via a limited company can be significantly more tax-efficient than buying as an individual. Our team of friendly and experienced advisors will find the most suitable mortgage that’s right for you and ensure it meets your short – and long-term needs.

Additional Benefits of Mortgaging through a Limited Company.

If your holiday let is operated by a limited company, it remains legally separate from your personal assets, and you will have limited liability for any losses. Depending on the structure of your limited company, there may also be the opportunity to minimise the inheritance tax payable by family members when the property is sold.

If you already operate a trading company, as a property owner looking to secure a holiday let mortgage via a limited company, it may be beneficial to use a Special Purpose Vehicle (SPV) limited company. This is a limited company set-up just to hold investment property and will provide separation between the companies and their assets.

Other financial and accounting factors must be considered, but at Fort Advice Bureau we build a deep understanding of our clients’ motives for investing, enabling us to find tailored solutions that align perfectly.

Those considering setting up a holiday let business should consult a tax specialist to be certain of their tax arrangements.

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