Day: July 22, 2025

Limited company buy-to-let mortgage deals improve as rates fallLimited company buy-to-let mortgage deals improve as rates fall

Professional landlords using limited companies to hold rental properties are seeing new opportunities this summer, as buy-to-let mortgage rates fall and lenders become more competitive in the specialist lending space.

With the number of

limited company buy to let

landlords at a record high—more than 320,000 according to Companies House—lenders are ramping up offerings tailored to this growing market. For investors focused on long-term portfolio growth and tax efficiency, now could be an ideal time to refinance or expand.

Specialist lenders lead the charge

While high street banks remain cautious, specialist

buy to let mortgage

lenders such as Paragon, Precise Mortgages, Landbay and Fleet Mortgages are actively targeting limited company borrowers. Many now offer five-year fixed rates below 5.5%, with flexible criteria around portfolio size, rental stress testing, and property type.

According to Moneyfacts, the average limited company buy-to-let fixed rate in July 2025 is 5.58%—down from 5.92% in April. Some deals are now available at rates closer to 5%, especially for landlords borrowing at 65% loan-to-value (LTV) or lower.

Daniel Lee, principal at Total Landlord Mortgages, said:

“We’re seeing increased lender appetite for limited company borrowers. Lenders recognise this is the structure of choice for tax-savvy landlords, and competition is pushing rates and fees down.”

Tax efficiency keeps company route attractive

Since the restriction of mortgage interest relief for individual landlords in 2020, limited company structures have become the go-to option for portfolio landlords. Profits taxed through a company are subject to corporation tax—currently 25%—rather than personal income tax rates of up to 45%. Mortgage interest is also fully deductible as a business expense.

For higher-rate taxpayers, this can make a significant difference. While company borrowing often comes with slightly higher rates and fees, the net savings from tax relief frequently outweigh those costs—especially on larger portfolios or high-value properties.

Property tax consultant Rita Armitage explained:

“The limited company route still makes financial sense for most higher-rate landlords. Even with the corporation tax increase, the ability to offset mortgage interest and control how profits are drawn is a big advantage.”

What landlords need to watch

Although limited company borrowing offers clear long-term benefits, it also comes with added complexity. Legal and accounting fees, additional administrative work, and tighter underwriting mean landlords must do their due diligence.

Lenders assess limited company applicants differently, often looking at personal guarantees, director income, and the property portfolio’s overall health. But some are relaxing requirements—for example, allowing top-slicing or ignoring minor historical credit blips.

According to Zoopla, rental yields remain strong—averaging 6.2% for company landlords, particularly in regions like the North West, South Wales, and Yorkshire. With inflation falling and interest rates likely to be cut later in the year, many landlords are now locking into five-year fixes to future-proof their business plans.

Looking ahead

For landlords operating via limited companies, falling mortgage rates and stronger lender competition offer a rare window of opportunity. With rental demand high and yields outperforming inflation, strategic investors who act now could set themselves up for long-term stability and tax-efficient growth.

Check the latest

buy to let mortgage rates

here.

 

Understanding Classical Education: A Extensive SummaryUnderstanding Classical Education: A Extensive Summary

Have you ever before wondered about the most effective ways to enlighten your child? In today’s swiftly changing instructional landscape, many moms and dads and educators are recalling to historical methods for clarity and direction. One technique that has gained grip is classical education, an educational viewpoint rooted in practice. Yet what exactly is classical education, and exactly how can it favorably impact your youngster’s education? In this write-up, we’ll discover the key components of classical education, its advantages, and just how it can form the educational experience for today’s students.

What is Classical Education?

At its core, classical education highlights the growth of intellectual and moral virtues via a organized research of the liberal arts. It aims to equip trainees with the skills and expertise necessary to think critically and interact successfully while engaging with the world around them.

The Trivium: The Structure of Classical Education

Classical education is based upon the Trivium, a three-part framework that overviews the learning procedure:
Grammar Stage (Ages 5-11): This foundational phase concentrates on acquiring standard knowledge in subjects like analysis, composing, mathematics, and science. Focus is positioned on memorization and understanding essential realities. Students find out the building blocks of expertise.
Logic Stage (Ages 12-14): In this stage, trainees change from obtaining expertise to analysis and thinking. They are shown to question assumptions, understand arguments, and engage in thoughtful discussions, enhancing their important reasoning abilities.
Rhetoric Stage (Ages 15-18): At this final stage, pupils find out to verbalize their ideas efficiently. They engage in persuasive writing and speaking, helping them reveal facility ideas coherently. This stage cultivates confidence and freedom in idea.

The Philosophy Behind Classical Education

Classical education is based in the belief that understanding is useful not only for its own sake however additionally for establishing virtuous people. Trick thoughtful tenets include:
Quest of Truth: Motivating exploration of objective facts with query promotes deeper understanding.
Assimilation of Expertise: Classical education worries the interconnectedness of academic topics, assisting students see relationships between mathematics, literary works, and science.
Growth of Character: This strategy highlights ethical and honest advancement, preparing students to be good citizens that contribute positively to society.
Value of Wonder: A love for learning is supported via expedition and interest, urging pupils to ask questions and look for responses.

Advantages of Classical Education

Classical education has numerous benefits that make it an appealing choice for families and educators alike:
Solid Structure for Essential Thinking: Pupils are trained to evaluate information and kind rational conclusions, outfitting them to navigate intricate life concerns.
Enhanced Communication Skills: The emphasis on unsupported claims promotes effective writing and speaking skills, aiding pupils reveal themselves plainly.
Lifelong Learning: By instilling a love for understanding and query, classical education prepares pupils for regular individual growth.
Personality Development: Pupils discover the value of honesty and responsibility, directing them toward ending up being thoughtful leaders.
Holistic Method: It motivates engagement with literary works, background, scientific research, and the arts, resulting in functional and informed individuals.

Just How to Get Associated With Classical Education

If you’re interested in exploring classical education for your household or organization, take into consideration these steps:
Research Classical Schools: Seek schools in your location that comply with the classical education design. Numerous organizations highlight a curriculum rooted in history and the liberal arts. For more information, see The Society for Classical Learning.
Participate In Neighborhood Learning: Locate neighborhood teams or neighborhoods that share an passion in classical education. Participating in conversations or educational events can supply useful insights.
Execute Classical Concepts in the house: Motivate analysis, ask flexible questions, and check out topics with each other to promote a love of learning.
Purchase Classical Education Resources: Various resources are available, from publications to on the internet training courses. Take into consideration examining The Society for Classical Learning for recommendations on classical education sources.

Classical Education in Practice: Real-World Applications

In classical colleges, curriculum layout integrates subjects, allowing for interdisciplinary learning. Teachers utilize the Socratic technique to prompt query and dialogue, motivating trainees to believe seriously and articulate their concepts.

Final thought

As parents and educators look for efficient methods to support students’ intellectual and moral growth, classical education offers a rich structure rooted in practice yet appropriate to today’s globe. By embracing the principles of classical education, we furnish our children with essential skills for the future.
For more details on resources and assistance for classical education, see The Society for Classical Learning. With each other, we can offer students with a significant education that fosters a long-lasting love of learning and grows accountable, express people.