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Buy to let

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Buy to let

Property has proved to be a sound investment for many years now, and we help both new and experienced property investors secure the lending they need.

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In recent years, the taxation of landlords has tightened, from the stamp duty surcharge to the treatment of rental income.

For higher rate taxpayers, personal ownership of investment properties now results in higher levels of income tax than previously.



This has led to more investors purchasing property via a Special Purpose Vehicle (SPV), which is essentially a Private Limited Company that is set up with the sole purpose of owning and letting property.

The advantage to this approach is that the rental income is treated under company tax rules, rather than personal tax rules, which can lead to a reduced tax bill at the point rental income is received.

It also gives you more control over the timing and level that money is paid out of the business to you personally, which can also be used to help manage personal tax liabilities.

Some buy to let mortgages are not regulated by the Financial Conduct Authority, which means consumer protections may not apply.

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Crowood FS is a trading name of Richard Hall, who is authorised and regulated by the Financial Conduct Authority, entered on the Financial Services Register https://register.fca.org.uk under Firm Reference Number 807261.

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

If you wish to register a complaint, please write to richard@crowoodfs.co.uk or telephone 01793 200 175. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.