If you’re buying commercial, semi‑commercial or residential property inside a limited company, there’s a legitimate, HMRC‑compliant route to pay 0.5% stamp duty. I have completed a number of these deals and have a number of lenders that will provide a day 1 commercial mortgage (or a bridge if needed), so please feel free to reach out if you have any questions or require advice! 💡 𝗟𝗮𝗻𝗱𝗹𝗼𝗿𝗱𝘀: 𝗬𝗼𝘂 𝗮𝗿𝗲 𝗶𝗻 𝗮 𝗺𝗮𝗿𝗸𝗲𝘁 𝘄𝗵𝗲𝗿𝗲 𝗲𝘃𝗲𝗿𝘆 𝗽𝗼𝘂𝗻𝗱 𝘀𝗮𝘃𝗲𝗱 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 — 𝗮𝗻𝗱 𝗺𝗼𝘀𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗮𝗿𝗲 𝘀𝘁𝗶𝗹𝗹 𝗽𝗮𝘆𝗶𝗻𝗴 𝗺𝗼𝗿𝗲 𝗦𝗗𝗟𝗧 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲𝘆 𝗻𝗲𝗲𝗱 𝘁𝗼! 𝗣𝗮𝘆𝗶𝗻𝗴 𝟬.𝟱% 𝗦𝗗𝗟𝗧 𝗶𝘀 𝗮𝗰𝗵𝗶𝗲𝘃𝗮𝗯𝗹𝗲! Most landlords know the sting of Stamp Duty Land Tax. It’s one of those costs that quietly eats into margins especially on commercial, semi‑commercial or residential acquisitions. But here’s the part hardly anyone talks about: 𝗪𝗵𝗲𝗻 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝘀 𝗮𝗰𝗾𝘂𝗶𝗿𝗲𝗱 𝘃𝗶𝗮 𝗮 𝗦𝗵𝗮𝗿𝗲 𝗣𝘂𝗿𝗰𝗵𝗮𝘀𝗲 𝗔𝗴𝗿𝗲𝗲𝗺𝗲𝗻𝘁 (𝗦𝗣𝗔), 𝗦𝗗𝗟𝗧 𝗼𝗳𝘁𝗲𝗻 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗮𝗽𝗽𝗹𝘆 𝗮𝘁 𝗮𝗹𝗹. Instead, you pay 0.5% Stamp Duty on shares so a tiny fraction of the usual bill as opposed to a rate as high as 15% And the benefits don’t stop there. Some of the lenders and banks I partner with will actively support SPA‑led transactions in ways that can make the deal even more attractive: 🏦 𝗩𝗲𝗻𝗱𝗼𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗠𝗮𝘆 𝗕𝗲 𝗔𝗹𝗹𝗼𝘄𝗲𝗱 Some lenders will consider allowing elements of vendor finance within the SPA structure. That means: Lower cash requirement on day one as the vendor finance element can be considered More flexibility for both sides It’s a tool seasoned investors use quietly but it’s absolutely available to everyday landlords when structured correctly. 📘 𝗣𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹 𝗧𝗲𝗿𝗺 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗙𝗿𝗼𝗺 𝗗𝗮𝘆 𝗢𝗻𝗲 This is a recent one for me as in previous SPA transaction cases my client had to purchase with a bridging loan and then refinance with a term investment mortgage. Some lenders will now allow you to jump straight onto a term investment mortgage, rather than forcing you through the usual bridging route. Meaning: No 2% bridging arrangement fee No double legal costs No exit fees No “bridge stress” For landlords who hate unnecessary friction, this is a game‑changer. ⛽ 𝗕𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗜𝘀𝗻’𝘁 𝗔𝗹𝘄𝗮𝘆𝘀 𝗥𝗲𝗾𝘂𝗶𝗿𝗲𝗱 Because you’re buying the company, not the property, the lender’s risk profile changes. Some lenders are comfortable funding the acquisition without a bridging stage — especially when the company has clean accounts, stable rental income, and a straightforward structure. This alone can save thousands. 📉 𝗔 𝗤𝘂𝗶𝗰𝗸 𝗘𝘅𝗮𝗺𝗽𝗹𝗲 Buying a £1.2m mixed‑use building the traditional way? You’re staring at £40k–£50k SDLT. Buying the shares of the company that owns it? £6,000. (0.5% Stamp Duty on shares) Add in the possibility of vendor finance, skipping bridging, and jumping straight onto a term mortgage and suddenly the deal looks a whole lot smarter. 🔍 𝗪𝗵𝘆 𝗟𝗮𝗻𝗱𝗹𝗼𝗿𝗱𝘀 𝗗𝗼𝗻’𝘁 𝗛𝗲𝗮𝗿 𝗔𝗯𝗼𝘂𝘁 𝗧𝗵𝗶𝘀 Because most brokers don’t raise it. Solicitors only mention it if you ask. And many landlords assume SPA structures are only for “big players”. They’re are certainly not! If the property sits inside a limited company, an SPA is absolutely on the table — and often the most tax‑efficient, lender‑friendly route. 🧭 𝗙𝗶𝗻𝗮𝗹 𝗧𝗵𝗼𝘂𝗴𝗵𝘁 Landlords are operating in a tougher environment than ever: higher rates, tighter margins, more regulation. Every pound saved matters and every deal structure matters even more. SPA‑led acquisitions aren’t about being clever. They’re about being commercially responsible. If you’re exploring a purchase and want to know whether an SPA structure could reduce SDLT and open up better lender options, it’s worth having that conversation early. 𝗜𝗳 𝘆𝗼𝘂’𝗿𝗲 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗼𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿 𝗮𝗻𝗱 𝗿𝗲𝗾𝘂𝗶𝗿𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗲, 𝗳𝗲𝗲𝗹 𝗳𝗿𝗲𝗲 𝘁𝗼 𝗴𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵. 𝗪𝗶𝘁𝗵 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝟮𝟱𝟬+ 𝗹𝗲𝗻𝗱𝗲𝗿𝘀, 𝗜’𝗺 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝘁 𝘄𝗲 𝗰𝗮𝗻 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻! 📧 sanjay@finances.house📞 07949 291403📞 0121 285 3995 #propertyfinance #commercialfinance #landlordsuk #propertyinvesting #ukproperty #SPAs #stampdutysavings #SDLT #taxefficientinvesting #bridgingfinance #termfinance #vendorfinance #mortgagebrokeruk #propertystrategy #semicommercialproperty #commercialpropertyuk #investmentpropertyuk #realestateuk #propertyportfolio #dealstructuring #propertyacquisition #limitedcompanyproperty #uklandlords

Posted by Sanjay Majithia at 2026-07-31 08:33:25 UTC