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Effects of increasing mortgage rates in a limited company - real life example
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House value280000
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Mortgage14500051.79%LTV
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Rent (monthly)1000Dividend rate:33.75%
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Interest rateMonthly mortgagePre tax ProfitDifferenceTaxAfter tax profitDifferenceDividend taxAfter tax cashFinal tax rate
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Old Option2.69%£327£6,287£1,195£5,092£1,719£3,37446.34%
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Accepted Option3.34%£405£5,342-£945£1,015£4,327-£765£1,460£2,86746.34%
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Current Rate5.29%£641£2,505-£3,782£476£2,029-£3,063£685£1,34446.34%
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