UK Limited Company Mortgages for Buy-to-Let Property

A UK Limited Company Mortgage allows you to hold a Buy-to-Let property or multiple Buy-to-Let properties in order to mitigate any increased UK tax burden. By setting up a trading limited company to hold your property or properties you can take advantage of a wide range of UK Limited Company Mortgage products from Liquid Expat Mortgages.

Get a free UK Limited Company Mortgage quote today

Liquid Expat Mortgages has been providing UK Limited Company Mortgages and Remortgages for expats and foreign nationals living overseas since 2007. Our highly experienced team of fully qualified mortgage advisers can help find the best deal for your personal needs and circumstances.

Speak with one of our UK Limited Company Mortgage advisers today.

Call +44 161 871 1216

Arrange a call-back
UK Limited Company Mortgages

UK Limited Company Buy-to-Let Mortgages

Until 2015, there were fewer advantages to owning a property in a company as opposed to owning it in your own name. However, changes to the treatment of mortgage interest introduced after the 2015 budget made the Limited Company route far more appealing for any UK Expat or Foreign National looking to invest in Buy-to-Let property.

In the last 7 years over 30,000 UK Limited Companies have been established exclusively for Buy-to-Let purposes, mainly driven by legislation reducing mortgage interest relief for landlords holding property in a personal name. As a top-rate taxpayer, the tax payable via a Limited Company will be lower than the tax on individual income.

A guide to UK Limited Company Buy-to-Let Mortgages

If you’d like to learn more about UK Limited Company Mortgages, Special Purpose Vehicle (SPV) and more, please take a few moments to read our detailed guide.

Read our full guide
UK Expat Mortgage Application Process

Helping You Through the Expat Mortgage Application Process

Most high street lenders lack expat mortgage options and support structures for Expats or Foreign Nationals seeking finance. This is where a specialist UK expat mortgage broker is usually necessary to ensure your application meets the right criteria and is directed to the appropriate lender. Any available mortgage product will depend on your specific circumstances.

Our consultants and dedicated support team will guide you through the entire UK mortgage application process. We'll identify all of the requirements, including income and visa status. We help reduce disruption, contain your costs, and save you time.

We’re here to Save Time and Take Away the Stress

  • We work with the lender to present your case and ensure an underwriter doesn’t make assumptions based on the fact you live and work abroad or have only recently moved to the UK.

  • We can talk you through the process on how best to present your mortgage application.

  • As a completely independent team of expat mortgage specialists – we have no obligations other than ensuring you receive the best and most valuable service from our team.

  • We can help you secure a more favourable rate when exchanging money across borders.
Speak To A Mortgage Consultant Speak to a Mortgage Consultant

UK Limited Company Mortgage Case Studies

Learn how our team at Liquid Expat Mortgages has helped expats and foreign nationals living overseas secure UK Limited Company Mortgages despite facing difficult or complex circumstances.

VIEW MORE CASE STUDIES
Case Study – UK Limited Company Buy-To-Let Purchase for First Time Landlord

Read this great case study on how Liquid Expat helped a British Expat in Dubai to set-up a UK SPV Limited Company and secure a buy to let mortgage.

Read more
Case Study – Buy-To-Let Mortgage for SPV Portfolio Landlord

Read this great case study on how Liquid Expat Mortgages helped a British Expat in Hong Kong to secure a UK Limited Company buy-to-let mortgage.

Read more
Case Study – Personal to Limited Company Buy-to-Let Mortgage

Read this great case study on how Liquid Expat Mortgages helped a British Expat in Kuwait to secure a UK Limited Company buy-to-let mortgage.

Read more
Get a free quote
Arrange a call back

UK Limited Company Mortgages – Frequently Asked Questions

The simple answer is yes. To understand the options available to you, speak with a specialist broker who can help with your UK Limited Company.

Get a quote

As of 6 April 2020 landlords can no longer deduct mortgage interest and other allowable costs from their rental income before calculating their tax liability. It will be restricted to the basic rate of income tax which is currently 20%.

Relief will be given as a reduction in tax liability instead of a reduction to taxable rental income. This means that your taxable income will rise, especially if you’re a higher or additional rate tax payer.

Hence many expats and overseas investors are now looking to UK Limited Companies and purchasing property with a UK Limited Company Mortgage.

Whatever your overall plan is, our mortgage advisers can help you understand the options available to you.

Get a quote

Buying a property to rent out in a limited company requires a UK Limited Company mortgage for which the company registers the correct business activity known as Standard industry Classifications or SIC Codes.

Most lenders require the company to be defined using the following Standard industry Classifications (SICs}:
68100
: Buying and selling own real estate
68209: Other letting and operating of owned or leased real estate
68320: Management of real estate on a fee or contract basis

The company also requires a current bank account for the mortgage direct debit. A new SPV Company with no assets or income can be set up within 24 hours and is an ideal vehicle for your BTL mortgage. You can also lend money to the SPV for the deposit from your personal assets.

Get a quote

Mortgage Lenders prefer to lend to Limited companies (sometimes referred to as SPV’S) which only own and rent out a property. Whilst you can obtain BTL Mortgages in a Trading Company, the product options are limited as lenders see other activities as a potential liability.

Applications from Limited companies/ SPV’s tend to be quicker and more straightforward as underwriters find it easier to understand that the company has one sole business income stream. Trading companies can be complex because of the various income streams and as such, there are many more mortgage options available for Limited companies/ SPV’s than for trading companies.

Whatever your overall plan is, our mortgage managers can help you understand the options available to you.

Get a quote

Liquid Expat is your Specialist Expat Mortgage Broker

Liquid Expat Mortgages has been providing expat mortgages since 2007. Our many years of experience and relationships built up with lenders means that we can find the very best mortgage for your needs.

Get a free quote
Arrange a call back

Liquid Expat Mortgages Testimonials

Hear from some of our clients about their experience with Liquid Expat Mortgages.

uk limited company testimonial

­ I would like to thank Liquid Expat Mortgages for all your professional help with obtaining a limited company mortgage for us which enabled us to make the purchase of this buy to let property. Thank you all so much.

E. & A. / UK Expats living in Israel
uk limited company testimonial

­ We are sending this message with sincere thanks to Liquid Expat for their brokerage services in helping us to secure our UK limited company buy-to-let expat mortgage. You’ve been nothing short of amazing throughout this process.

S.C / UK Expat living in USA
uk limited company testimonial

­ Fantastic service from the initial call to the final purchase. You were extremely helpful and knowledgeable. I look forward to purchasing another property through Liquid Expat now that I have my UK Limited Company set-up.

S.W / Foreign National in Dubai
Get a free quote
Get a free quote
Arrange a call back

Liquid Expat Mortgages Reviews

Read reviews left by our clients on Google.


Google star 1Google star 2Google star 3Google star 4Google star 5.0.74.7
4.7Google star 1Google star 2Google star 3Google star 4Google star 5.0.7
Top Rated Service
Verified by Trustindex
Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Posted on Google Google
Safina Saddique
51 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had an excellent experience with Raja Majeed at Liquid Expat. From start to finish, he was professional, knowledgeable, and incredibly supportive throughout the mortgage process. He kept us updated every step of the way, explained everything clearly, and was always available to answer our questions, making what could have been a stressful process feel straightforward and manageable. Raja’s attention to detail and dedication gave us confidence throughout, and he worked hard to ensure everything progressed as smoothly as possible. We truly appreciated his patience, honesty, and commitment to achieving the best outcome for us. We would highly recommend Raja Majeed and Liquid Expat to anyone looking for expert mortgage advice and outstanding customer service. Thank you for all your help!
Posted on Google Google
Leonarda and Callum H.C
149 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I’ve had a great experience working with Liquid Expat who helped me on an expat remortgage. Joe and Liam provided great service and helped me through the whole process. I would definitely recommend to anyone needing a mortgage
Posted on Google Google
Heather Mitchell
237 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My experience with Liquid Expat Mortgages was outstanding. I was incredibly lucky to be allocated Julie, who went above and beyond throughout the entire process. She even stayed up past midnight on one occasion to help move things forward and offered not just professional support, but emotional reassurance too—something that made a real difference in what was a high-pressure situation. Julie is exceptional with complex mortgages and has strong relationships across a wide range of banks, which enabled her to expedite things quickly and smoothly. I’d thoroughly recommend her to anyone looking for expert, committed support with expat or cross-border mortgage needs.
Posted on Google Google
Tony M
273 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Fantastic experience. John and Vanessa have been amazing. Despite our case being more complicated than most, their diligence, perseverance and professionalism at every step of the way meant we were able to secure a mortgage and proceed with a property purchase in the UK as expats from a distance. Their communication is a key strength and one of the main reasons we have now used them twice and recommended them to others. If you are an expat struggling with finding a mortgage - don't waste your time trying to deal with anyone else.
Posted on Google Google
Peet Kok
279 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Joe and his team were great. So helpful and professional. Highly recommended for anyone in need of a mortgage, especially if more complex and challenging circumstances apply.
Posted on Google Google
Hailey Luk
442 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
The entire mortgage approval process was impressively quick — it only took around three weeks to complete. Although there was a small misunderstanding at the beginning, it was resolved very promptly. A big thank you to Vanessa and Kenneth for providing regular updates, following up closely throughout the process, and helping to resolve any issues along the way. Their professionalism and responsiveness made the experience smooth and reassuring. Truly appreciate all your support!
Posted on Google Google
Optimistic
471 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
David: I can rightfluly say that your swift work was life changing- Thank you. David even called on Saturday to break a good news so that we can enjoy and spend a happy weekend *( instead of full of anxiety weekend)... and in just few days and at the incredible rate. It was soo good and soo quick and such a great rate, that I started to even doubt if its real. Its all real- best happiest experience with David and the team. Huge thank you. It goes in a bucket of happy memories.
Posted on Google Google
H Coops
593 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Excellent service from start to finish with Liquid Expat! Vanessa and Ian made the process of buying a property in the UK while living abroad completely seamless. Their communication has been outstanding, always responding promptly to any queries we had and keeping us informed every step of the way. Highly recommend their professional and efficient team.
Posted on Google Google
Bally Binji
636 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
An incredible service offered by Liquid Expat Mortgages. David Mowatt totally 'saved my life' with the practical advice and guidance he gave me. He called me within 10 mins of me uploading my details and immediately started to give ideas on what I could try. He then even suggested contacting my existing provider and asking for a 6 Month Payment holiday - which they then granted! I cant thank you enough David for such a gracious, self less act. I shall have no hesitation to recommend your services and come back for any mortgage assistance in the future.
Posted on Google Google
Paula Fielding
726 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Absolutely top class and very professional service from Philip Clarke and Vanessa Govender with a real personal touch. Both have been extremely helpful, efficient, kind and courteous and have really put me at ease and done their absolute best to help me attain a mortgage. I hugely appreciate their efforts and assistance and highly recommend them both for recognition in their company and to anyone seeking an expat mortgage.

Your guide to expat mortgages

As a specialist expat mortgage broker based in the United Kingdom, we can guide you through even the most complex overseas UK mortgage or remortgage process.

With over a decade of experience, we can quickly assess your case and then immediately place you with the most suitable lender and the best possible terms to suit your personal circumstances.

Get a free quote