HomeRelease
Unlock equity from your BTL without monthly payments
👉 No Additional Interest Payments
👉 No Debt
👉 No Stress
👉 Instant Cash
It’s not a loan, we co-invest in your property.
👉 No Additional Interest Payments
👉 No Debt
👉 No Stress
👉 Instant Cash
It’s not a loan, we co-invest in your property.
HomeRelease
Unlock equity from your Buy To Let without refinancing
👉 No Additional Interest Payments
👉 No Debt
👉 No Stress
👉 Instant Cash
It’s not a loan, we co-invest in your BTL
👉 No Additional Interest Payments
👉 No Debt
👉 No Stress
👉 Instant Cash
It’s not a loan, we co-invest in your BTL
Buy To Ley Equity Releases are Painful. So we fixed them by providing an alternative to a loan without monthly payments.
Loan Alternative for your Buy To Let
Secure easier approval with options for low credit scores and discounts for well-qualified borrowersInstant Cash
Get cash fast—up to £500,000 funded in 21 days on averageExperience
Use your cash to pay off debt, do home improvements or anything elseNo Additional Interest Payments
It's not a loan, we co-invest in your property
Calculate how much equity you can release now
Fill out the form and we will contact you soon.
About HomeRelease
Powered by artificial intelligence and property experts
Powered by artificial intelligence and property experts
We are a London-based fintech on a mission to make equity release more accessible and less stressful by co-investing in the properties alongside our clients.
By investing alongside homeowners, HomeRelease offers debt-free cash in exchange for a share of their home’s future value — all without any monthly payments or debt over the life of the investment.
Release up to £500,000 per property for any of the below reasons:
- Pay off debt
- Fund a refurb
- Fund an extension
- Fund any home improvements
- Fund your small business
- Fund your retirement
- Diversify your portfolio by unlocking equity for other transactions
- Fund anything you like with no questions asked for the use of cash release.
Equity Release for Buy To Let (BTL) Properties
A smart alternative to a loan without additional interest payments for Buy To Let property owners.
A Smart Alternative to a LoanWe accept properties with buy-to-let mortgages in place.
We accept any credit rating on the individual owner.
We are the alternative refinance and initial downpayment.
Support for Limited Liability CompaniesOur managers are always ready to answer your questions. You can call us during the weekends and at night. You can also visit our office for a personal consultation.
Instant Cash, No Monthly PaymentsOur prices are fixed for some standard services and we offer discounts for regular clients. We can issue up to £500,000 per Buy To Let Property if it is a Limited Liability Company. Also, we ask our new clients about their birthday and prepare cool presents.
Focused on Buy To Let Landlords for Equity ReleaseOur company works according to the principle of individual approach to every client. This method allows us to achieve success in problems of all levels.
How It Works
- The smart alternative to a loanA HomeRelease Investment gives you access to your equity — in the form of cash — in exchange for a share of your property’s future value. The process is easy, fast, and straightforward.
- Who can use HomeRelease?The applicant would need to be a Limited Liability structure company with a single or a portfolio of properties. We can help restructure you from an individual landlord to a tax-efficient limited liability company.
- Get up to £500,000 in as little as 3 weeksSee how much you can access and what your HomeRelease Investment could look like over time.
- Personalized supportYou’ll be paired with a dedicated, responsive Investment Manager who will guide you through the Investment process from beginning to end and answer any questions in ba timely, compassionate way.
BTL Equity Release Example
Get up to £500,000 in as little as 3 weeks!
- £350,000Current Property Value.
- 10%Our typical Investment stake is 10% of today's value. We can actually invest up to 25% if you qualify (and if you want that much).
- £35,000You get this amount in cash within 3 weeks of application.
No Debt.
No Interest.
No Monthly Payments. - 10 YearsLength of our investment.
- £570,113Projected Property Value in 10 years based on annual 5% appreciation on average.
- £456,091Your Share in 10 years time.
- £114,023Our share in 10 years time.
- 25%This estimate is for illustrative purposes only and assumes a well-qualified property owner with at least 25% equity in the property. So we support already financed properties.
For Investors
We unlock access to the residential real estate market
Traditional methods of capital deployment in the residential sector are expensive, exposed to risk and can take a number of years to generate income. We allow investors to access the residential real estate market, and deploy capital with speed, scale and precision in the UK.
Our Clients on the Investment side are:
Single-Family Offices
and
Institutional Investors
Traditional methods of capital deployment in the residential sector are expensive, exposed to risk and can take a number of years to generate income. We allow investors to access the residential real estate market, and deploy capital with speed, scale and precision in the UK.
Our Clients on the Investment side are:
Single-Family Offices
and
Institutional Investors
| Learn more |
Get tax efficient by setting up a property company.
A better way to get access property equity release without additional payments.
Increase the returns on your buy to let property- Reduce personal risk from your property investments
- Unlock corporate Equity Release with HomeRelease without having to be older than 55+
Seek Professional Advice:
- Before making any moves, consult with a financial advisor, tax consultant, or property lawyer. Incorporating a property can have significant tax implications, including Stamp Duty Land Tax (SDLT) and Capital Gains Tax (CGT).
- Obtain a current market valuation of the property. This valuation is essential for determining the CGT and SDLT liabilities.
- Register a limited company with Companies House. This can be done online and involves choosing a company name, appointing directors, and registering the business address.
- Transfer ownership of the property from yourself to the limited company. This transfer is considered a sale and triggers SDLT and CGT.
- If the property has appreciated in value, you may owe CGT on the "sale" to your company. The CGT is calculated on the difference between the original purchase price and the market value at the time of transfer.
- The limited company will need to pay SDLT on the market value of the property, which is due when the property is transferred.
- If the property is mortgaged, you will need the lender's consent to transfer the property to the company. The company may need to refinance the mortgage under its name, often at different terms.
- Complete the transfer of ownership at the Land Registry, updating the property title to the limited company.
- Once transferred, the rental income from the property will be subject to corporation tax (currently 19%) instead of personal income tax.
Background:
John owns a buy-to-let property in London that he purchased for £200,000 ten years ago. The property is now worth £350,000. John wants to transfer this property to a newly formed limited company, "John’s Property Investments Ltd."
1. Valuation:
This is for your information only – you shouldn't view this as legal advice, tax advice, investment advice, or any advice at all. While we've tried to make sure this information is accurate and up to date, things can change, so it shouldn't be viewed as totally comprehensive or relied upon. Before making any investment decision make sure you understand the nature of the decision and the extent of your exposure to risk. HomeRelease always recommends you seek out independent advice if needed.
John owns a buy-to-let property in London that he purchased for £200,000 ten years ago. The property is now worth £350,000. John wants to transfer this property to a newly formed limited company, "John’s Property Investments Ltd."
1. Valuation:
- Current property value: £350,000
- Purchase Price: £200,000
- Current Market Value: £350,000
- Gain: £150,000
- Assuming John’s CGT allowance for the year is £12,300 (2023/24 rate), and he is a higher-rate taxpayer (28% CGT on residential property):
- Taxable Gain: £150,000 - £12,300 = £137,700
- CGT Due: £137,700 × 28% = £38,556
- SDLT for the company: Based on the £350,000 value. If it’s a second property, the company pays SDLT at higher rates.
- Standard SDLT: £7,500 (on the first £250,000 at 5%)
- Additional SDLT: £5,000 (on the remaining £100,000 at 5%)
- Total SDLT: £12,500 + 3% surcharge (£10,500) = £23,000
- John has an outstanding mortgage of £150,000. He will need to get lender consent and may need to re-mortgage under the company’s name, possibly at higher rates.
- John registers "John’s Property Investments Ltd" with Companies House.
- Property is transferred to the company, SDLT is paid, and the transfer is registered with the Land Registry.
- Rental income from the property is now subject to corporation tax at 19%, potentially reducing John’s overall tax burden compared to paying income tax at the higher rate.
- Tax Efficiency: For high-income individuals, transferring properties to a company may reduce overall tax liability, as corporation tax is often lower than higher-rate income tax.
- Cost of Transfer: SDLT, CGT, legal fees, and potential mortgage costs must be considered.
- Long-term Benefits: Incorporation can make estate planning easier and provide better asset protection.
This is for your information only – you shouldn't view this as legal advice, tax advice, investment advice, or any advice at all. While we've tried to make sure this information is accurate and up to date, things can change, so it shouldn't be viewed as totally comprehensive or relied upon. Before making any investment decision make sure you understand the nature of the decision and the extent of your exposure to risk. HomeRelease always recommends you seek out independent advice if needed.
Setting up a limited liability company (LLC or LTD) for Buy-to-Let (BTL) investments in the UK can offer several advantages and disadvantages, depending on your specific circumstances. Here's a breakdown of the key benefits and drawbacks:
BENEFITS
Tax Efficiency:
DRAWBACKS
Administrative and Compliance Costs:
Setting up a limited liability company for Buy-to-Let investments can offer significant tax advantages, especially if you're a higher-rate taxpayer or planning to grow a property portfolio. However, the benefits must be weighed against the increased administrative burden, potential costs, and implications for mortgage availability. It’s advisable to consult with a tax advisor or accountant who can assess your specific situation and provide tailored advice.
BENEFITS
Tax Efficiency:
- Corporation Tax vs. Income Tax: Rental income earned through a limited company is subject to Corporation Tax, which is currently lower than the higher rates of personal Income Tax. This can be particularly advantageous if you're in a higher income tax bracket.
- Mortgage Interest Relief: Since the 2017 changes to mortgage interest tax relief for individual landlords, personal taxpayers can no longer deduct mortgage interest from their rental income before calculating their tax liability. However, companies can still deduct the full mortgage interest as a business expense, which can significantly reduce the tax burden.
- Operating as a limited company means your personal assets are generally protected if the business encounters financial difficulties or legal claims. Your liability is limited to the amount you invested in the company, providing a layer of security for personal wealth.
- Shares in a limited company can be more flexible in terms of estate planning and passing on assets to heirs. You can transfer shares in the company to your heirs, potentially minimizing inheritance tax liabilities over time.
- A limited company allows you to retain profits within the business, which can be used for future property investments or other business activities. This can be advantageous if you're planning to expand your portfolio without immediately withdrawing the income and incurring personal tax charges.
- Operating as a limited company can enhance your professional image, potentially making it easier to secure financing, negotiate with lenders, or attract high-quality tenants.
DRAWBACKS
Administrative and Compliance Costs:
- Running a limited company involves more administrative work compared to owning property personally. You must file annual accounts, submit Corporation Tax returns, and comply with Companies House requirements. This typically requires hiring an accountant, adding to your costs.
- Mortgage products for limited companies are often less competitive than those available to individual landlords. You may face higher interest rates and fees, and there may be fewer lenders to choose from. Additionally, the loan-to-value (LTV) ratios may be lower, requiring a larger deposit.
- When you withdraw profits from the company as dividends, you may be subject to dividend tax in addition to Corporation Tax, leading to potential double taxation. This can reduce the overall tax efficiency if you're looking to take substantial amounts of money out of the business.
- Transferring personally owned properties into a limited company can be complex and costly. It is treated as a sale, which means you may face Capital Gains Tax (CGT) and Stamp Duty Land Tax (SDLT) liabilities. These costs can be prohibitive, particularly if your property has appreciated significantly in value. We cover this in more detail in the sections below.
- As a company owner, you won't benefit from personal allowances such as the Personal Savings Allowance or the Capital Gains Tax allowance that are available to individuals. This can reduce some of the tax benefits associated with personal ownership.
Setting up a limited liability company for Buy-to-Let investments can offer significant tax advantages, especially if you're a higher-rate taxpayer or planning to grow a property portfolio. However, the benefits must be weighed against the increased administrative burden, potential costs, and implications for mortgage availability. It’s advisable to consult with a tax advisor or accountant who can assess your specific situation and provide tailored advice.
The process is simple, straightforward, and transparent.
Complete the 30 second form below
Schedule your Appraisal
Speak to your Investment Manager
Sign the Agreement
Submit your Full Application
Receive your funds!
HomeRelease is a great resource for BTL homeowners who are looking to pay off some debt, release equity for other transactions, unlock interest free funds for a refurb, or simply to access cash.
Jonathan Jordan, BTL owner, Leeds
HomeRelease is a great resource for BTL homeowners who are looking to pay off some debt, release equity for other transactions, unlock interest free funds for a refurb, or simply to access cash.
Jonathan Jordan, BTL owner, Leeds
Calculate the maximum equity you can release without additional debt with our BTL Equity Release Calculator
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GET IN TOUCH!
Our experienced team will be in touch right away to help you unlock equity quickly and efficiently.
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Our Advantages
We are the first ones in the UK to offer this innovative alternative to a loan without additional interest payments
Experience
Each member of our team has at least 5 years of investment finance experience.
Quality Support
We offer you a professional 30-minute consultation with our specialist.
We can also support you in converting your individual BTL to a Limited Liability Structure for tax and equity efficiency
We can also support you in converting your individual BTL to a Limited Liability Structure for tax and equity efficiency
Instant Cash
We dont mind a poor credit rating or an outstanding mortgage on your Buy To Let property
Get an estimate in under 1 minute
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Our contacts:
Send us an e-mail: contact@home-release.com
Address: 43a High Street, Barkingside, Essex, England, IG6 2AD
Our Partners
What You'll Get as Investor into the Fund
By investing in HomeRelease investors gain structured exposure to untapped home equity — valued in the trillions. We offer individuals, large asset managers, credit funds, insurance companies and family offices diversified exposure to the multi-trillion pound real estate market.
Unique product structureDownside protection, even during times of declining home values
We are targeting 19% average IRR
Access residential real estate at scaleWe provide investors a proven, scalable way to reap the benefits of U.K. home price appreciation, without the costs, inefficiencies, and complexity that historically come along with large-scale residential real estate investing. It's a win-win.
Portfolio diversificationResidential real estate creates a shield against market volatility, with historically low correlation to public equities.
High-quality portfolioA combination of data science, technology, and underwriting creates high quality assets
Rigorous and ongoing legal and compliance processes
Hedge against inflationEven in times of market inflation, residential real estate shows resilience, offering portfolio protection.
Ongoing cashflowThe settlement term of Hometap HEIs is 10 years, but many homeowners settle early, creating cash flow liquidity from home sales, refinances, and settlements.
Equity Release for Limited Company Landlords
Release Equity without additional monthly payments
Home Release 2024 All Rights Reserved.
This site is intended for UK Residents unless otherwise stated. All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security. *Calls to 0800 numbers are free of charge from a landline or mobile. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile. We are not also authorised and regulated by the Financial Conduct Authority. The FCA does not regulate commercial mortgages and we are not a lender but an investor in the business-to-business space. We are not a credit broker, not a lender. We are a co-investor portal. 2024 HomeRelease® which is a registered trade mark, for IMC Univeral Ltd with registered address 43a High Street, Barkingside, Essex, England, IG6 2AD and is a company limited by shares. Companies House number 08548614.
This site is intended for UK Residents unless otherwise stated. All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security. *Calls to 0800 numbers are free of charge from a landline or mobile. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile. We are not also authorised and regulated by the Financial Conduct Authority. The FCA does not regulate commercial mortgages and we are not a lender but an investor in the business-to-business space. We are not a credit broker, not a lender. We are a co-investor portal. 2024 HomeRelease® which is a registered trade mark, for IMC Univeral Ltd with registered address 43a High Street, Barkingside, Essex, England, IG6 2AD and is a company limited by shares. Companies House number 08548614.
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