IT Limited Company & Investments

Trunks1983

Hello,

I am soon 36 years old and have created a IT Limited Company 18 months ago.

Here my estimation for next tax year (6 April 2019 - 5 April 2020):
- Corporate Income : £135k
- Salary + Dividends : £ 50k (Can take £41.4k as dividends as a lump sum on 6 April 2019)
- Corporate Profit : £ 65k (+£60k form the previous exercice)

Because I plan to stay in UK for20/ 25 years, I would like to first invest into short time investments in order to save enough for a deposit for my first UK property (currently renting my French main residence that cover my french mortgage), and then start saving on long term investments (like pension and ISA).

How much should I able to borrow for a mortgage? And how much should consider for a deposit? (10%? 20%? 25%?)

What would be the best short time investments (1 year or 2 year), hoping that property price decrease enough on the same time in order to make the constitute a growing deposit?
From my corporate account and/or my personal account?
If I take additional dividends, I will pay 19% corporate tax + 32.5% dividend tax.

And then, what long term investments should I consider (thinking about SIPP persion for £40k/year though my company + ISA).

Thank you for your advices

Voyager2002

Even for a short-term investment, it is worth opening an ISA. That simply means that any interest earned is free of tax. If you are planning to buy a house in the near future, your ISA should hold cash or perhaps bonds rather than shares.