Buying an investment property? Here's what's different.

Buying Through A Company

Purchasing through a limited company or SPV.

Many landlords choose to buy investment property through a limited company, often a special purpose vehicle set up solely to hold the property, rather than in their own name. The reasons are usually to do with how mortgage interest and profit are treated for tax purposes and how the property sits within a wider portfolio — decisions best made with your accountant, not your conveyancer.

What we do need to handle is the extra legal work a company purchase brings: confirming the company is properly registered and in good standing through a company search, and where the lender requires it, arranging the director guarantees that personally back the mortgage. Our quote itemises this separately rather than folding it into a standard purchase fee.

Where you're buying through a company, our calculator adds a fixed fee for the company search, plus a fee per director guarantee, alongside our standard purchase fee.

Sitting Tenants

Completing on a property with tenants already in place.

Buying a tenanted investment property doesn't reset the tenancy — the existing tenancy agreement, deposit protection, and any notices already served generally continue to apply to you as the new landlord once you complete. Before exchange, we review the tenancy agreement and confirm which type it is, check whether the deposit is correctly protected in a government-approved scheme, and check the status of any notices that have been served.

Around completion, we make sure the right paperwork passes to you: notice of the change of landlord for the tenant, and confirmation of where the deposit is held, so you can pick up the tenancy correctly rather than untangling it after the keys have changed hands.

An investment purchase brings extra checks that a standard owner-occupier purchase doesn't, so we price that work openly as a fixed addition rather than leaving it to surface later. Here's what's covered.