Are you looking to generate rental income or build long-term wealth through property investment? At Nubo, I’m here to help you explore the best buy-to-let mortgage options tailored to your unique goals and circumstances.

Whether you’re an experienced landlord looking to expand your portfolio or just starting out on your property journey, I’ll work with you to find the right solution. Whether you're purchasing as an individual or through a limited company, I’ll explain the differences and help you choose the right approach for your situation.

Personal Name Ownership vs. Limited Company Ownership:

Personal Name Ownership: If you choose to buy property in your personal name, the rental income will be taxed as part of your personal income. While this is the most straightforward route, higher earners may face greater tax liabilities. However, it can be a simpler process and might be preferable for those with just one or two properties.

Limited Company Ownership: Buying through a limited company is often preferred by landlords who have multiple properties or are planning to build a large portfolio. The main advantage is that you can benefit from more tax-efficient ways to withdraw profits, and you can deduct mortgage interest as a business expense, which can reduce your tax burden. However, there are additional legal and administrative responsibilities, such as setting up and maintaining a company, and potentially higher mortgage rates compared to personal name ownership.

What You Can Expect: Typically, buy-to-let mortgages require a minimum 25% deposit, but I’ll work with you to find the right lender that meets your specific needs. Whether you're a first-time landlord or already have a portfolio, I’ll guide you through the entire process—from securing the best rates to maximising your returns while managing risks effectively.

Why Choose Nubo? I understand that property investment is a big decision, and I’m here to ensure you feel confident every step of the way. With flexible criteria and tailored advice, I’ll help you navigate the complexities of buy-to-let mortgages, so you can make the most of current market conditions and achieve your investment goals.

Important Disclaimer: Please note that I am not a tax specialist. The tax implications of purchasing property in your personal name versus through a limited company should be discussed with a qualified tax expert, who can provide specific advice based on your individual circumstances.

Ready to get started? Let’s have a chat about your investment ambitions and find the perfect buy-to-let mortgage for you. Get in touch today, and let’s take the first step towards building your property wealth.

Your property may be repossessed if you do not keep up repayments on your mortgage.  Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.