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.

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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.

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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.

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We can help you through the whole Expat Mortgage Application Process

Liquid Expat Mortgages with its experienced and qualified team of mortgage brokers can support you through the whole UK expat mortgage application process.

By working with you we can help minimise the disruption and contain costs when it comes to supplying the correct paperwork and identity requirements.

Save time and stress

  • We can work with the lender to present your case better and ensure an underwriter doesn’t make assumptions based on the fact you live and work abroad.
  • We will be able to talk you through the process on how best to present your mortgage application.
  • We can help you secure a more favourable rate when exchanging money across borders.

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.

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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
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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.

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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.

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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.

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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.

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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.

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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
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Liquid Expat Mortgages Reviews

Read reviews left by our clients on Google.

Excellent
Based on 162 reviews
James Varley
James Varley
2023-06-06
Always a pleasure to deal with Liam, Claire and the team. A great option for British expats.
Niamh Sheehy
Niamh Sheehy
2023-05-30
Liquid Expat Mortgages and Claire Aspin in particular were invaluable to us as we purchased a buy-to-let in the UK from Dubai. There were many issues and delays on the part of the developer due to supply chain issues at the tail end of Covid, but Claire was a constant source of advice and logistical help. Twice we had to seek an extension on our mortgage offer and were informed by many that this would be difficult to achieve, but on both occasions she managed it whilst preserving the most advantageous interest rate for us. Out of the many people you deal with in the course of a property purchase, developers, solicitors etc, she was the one who chased everyone else up and was the most efficient and maintained excellent communication. We will certainly use her service again.
Philip Smith
Philip Smith
2023-05-29
Living in UAE, been using Liquid for a few years. Friendly and efficient service. Not pushy, just factual. Great communication. Always get the job done. What more do you need!? Thanks again to Claire, Liam & Joe, great work!
Yusuf Sidat
Yusuf Sidat
2023-05-16
From start to finish, the process was made easy by Phil, Claire and Liam. Everything is communicated very clearly - deadlines, requirements etc - and so no nasty surprises along the way. Advice given is sound and there is no hard selling. There is frequent communication at each stage of the process. In short, the process of acquiring an expat mortgage can be quite tricky and frustrating. But with the clearly experienced team at Liquid Expat, the process was made easy! I would recommend and use again.
Jane Whyatt
Jane Whyatt
2023-05-15
The helpful, patient staff at Liquid Expat have enabled me to get a new buy-to-let mortgage. Thanks to their professionalism, I was able to do all the paperwork online with ease.
Michaela Bowles
Michaela Bowles
2023-04-15
Liquid Expat were really helpful. They were great in finding me the best expat mortgage which suited me and helped support with the issues you often face when dealing with banks, solictors etc when living abroad. I would highly recommend them.
edward lock
edward lock
2023-04-14
Excellent and very professional service. Great customer care
Kayleigh Hutchison
Kayleigh Hutchison
2023-04-13
Claire, Liam and John at Liquid Expat have been incredibly supportive throughout the process of obtaining an expat mortgage. They have made the process very clear and have been quick to respond to emails. Thanks very much!
Yan Wai Wayne Chan
Yan Wai Wayne Chan
2023-04-13
Thanks Liquid Expat for your all your hard work in my mortgage application. Special thanks to Lawrence, Nicole and Claire who are so helpful and supportive. Highly appreciated and recommended.
David McDonald
David McDonald
2023-04-09
I cannot rate Liquid Expat highly enough. John S., Claire A., Nicole G. and the rest of the team provided excellent client service and support throughout the process, going above and beyond in finding the best arrangement for my circumstances, showing great flexibility when needed and progressing matters efficiently and effectively to resolve difficulties arising elsewhere. The sort of customer experience they provide ensures that I'll absolutely be working with them again in the future! Special shout-out to Claire A. (⭐) who was immense in working with the conveyancer to get my BTL remortgage over the line in good time! 😀

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.

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