What is a ‘business’? 
A person or company who offers either a product or service in exchange for a profitable return (a ‘yield’) ? 
And with the aspiration for capital growth too? 
…. That sounds remarkably like a BTL! 
But of course when there are BTL mortgages in place, so the profit is reduced, tax is possibly payable on the income (income tax if held in a personal name, corporation tax if in a Ltd Coy name), there are also potential CGT bills when properties are sold, and also the regulatory aspect of safety checks, certificates, licences, deposit holding, property management and the myriad of other responsibilities are required too. 
So if this is a business, why do you buy traditional, personal life insurance to repay the debts? 
Firstly, yes, every BTL mortgage is a debt and therefore should be properly protected … that’s just sensible and sound financial planning to ensure those left behind don’t have added grief and financial distress, too. 
The question is; instead of “traditional, personal life insurance”, why not implement Business Cover (for your BTL ‘Business’)? 
Did you know that with the right Business Cover arrangement, your net cost can be much reduced by setting it all up in a tax efficient way, beneficiaries can be formally nominated, and we can speak with your accountant to make sure it’s all correctly arranged for you too. 
You have Buy To Let’s, you have a business, but you either have the wrong (or no) protection in place. 
Call us now for a no cost appraisal and a range of quotes and options, or email your situation to us at SupportDesk@hdconsultants.net and see how we might be able to help you via our Team of qualified, experienced, authorised and independent experts. 
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Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
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