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HCH Mortgage Podcast

Everything you need to know about holiday let mortgages.

This podcast is brought to you by HCH Financial Services, which is powered by Holiday Cottage Handbook and HD Consultants.

Presented by James Varley, Founder, Holiday Cottage Handbook.

For mortgage advice:

Call: 0333 1234 536
Email: advice@hchfs.co.uk
Visit www.hchfs.co.uk

For a host of free resources for short-term rental hosts and property managers, visit www.holidaycottagehandbook.com

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HCH Mortgage Podcast

Why you should invest through a limited company

April 28, 2024 • HCH Financial Services • Season 1 • Episode 5

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.

The show is brought to you by HCH Financial Services, which offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services.

In today’s episode, Holiday Cottage Handbook Founder, James Varley, and Samantha Turmaine, Lead Consultant for HCH Financial Services, look at the pros and cons of investing in holiday lets through a limited company.

2:29 What is a limited company mortgage?

3:27 The advantages of investing through a limited company

4:23 The differences between a personal name mortgage and limited company mortgage

5:27 What you need to do to set up a limited company

6:48 What lenders are looking for from limited company mortgage applications

8:10 Making sure you achieve the 125% revenue to mortgage cost ratio

8:58 Buying through a limited company depends on personal circumstances

9:54 Should investors looking to scale switch from a personal name structure to limited company vehicle?

10:50 Good advice is paramount for investors

11:50 The best limited company mortgage rates

12:50 The best mortgage rates for personal name products

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