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Mortgage FAQs

Here are some of the common questions we receive. If you can’t find the answer to your question here, please see our FAQ page or contact us on the phone or chat– we will be delighted to help!

What is meant by investing in Buy to Let? >

Investment in buy to let is to achieve rental income and capital appreciation. Please click
for further details

What are the ways to invest
in Buy to Lets? >

Investments in Buy to let can be performed through a personal name or through a limited company formed specifically for the purchase of the property. Please click for further details.

What is the most tax efficient way to invest in a Buy to Let? >

Due to the tax advantages offered through SPV mortgages, this might be  more efficient comparatively to personal investments. However, this will be subjected to individual circumstances. Please click
for further details.

How much deposit do I need Buy to Let / SPV mortgage? >

With most of the lenders you would require a minimum deposit of 25% of the property value. However, some specialist lenders might accept 20% deposit but the interest rate here could be high. For more details click here

How much will it cost to set up a SPV? >

This will cost you roughly £50 + VAT. It depends on the accountant you select to set up the limited company SPV. You can do this directly with HMRC. It is better to get advice from an experienced accountant as it involves property related transactions.

Do I need a solicitor for a SPV property? >

Yes, you need a solicitor with adequate experience and reliability in handling BTL property purchases via limited company SPV. The speed of completion depends on the solicitor and it is important to find a suitable solicitor. For more details, click here

Do I have to pay stamp duty with a Buy to Let / SPV property? >

Yes, you must pay stamp duty for BTL property purchases via limited company SPV. It is usually categorized as additional property (second property). A 3% surcharge is applicable above the standard rates. Use our stamp duty calculator

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Buy to let explained – Property investing for beginners UK

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WIS Mortgages and Insurance Services is a trading style of WIS Contractor Mortgages Ltd which is registered in England and Wales. Registered Number 11496588.
Registered Office 4 Imperial Place, Maxwell Road, Borehamwood, England, WD6 1JN.

WIS Contractor Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. Registered number 824411.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Mortgage services are provided at no extra cost to you, we will receive a fee from the lender once the mortgage completes.
For insurance business we offer products from a choice of insurers.

We are an independent firm for insurance products we offer .

You may have to pay an early repayment charge to your existing lender if you remortgage. Your savings will depend on personal circumstances.