Liquid Expat

We’re available 24/7, call us on:
☎ +44 (0)161 871 1216

Liquid Expat

We’re available 24/7, call us on:
☎ +44 (0)161 871 1216

UK Limited Company Mortgages

Taking out a UK mortgage through a Limited/LTD Company or SPV (Special Purpose Vehicle) can be more tax-efficient than doing so in your personal name as a private landlord. See the benefits »

Liquid Expat Mortgages has over 13 years experience in helping British Expats & Foreign Nationals just like you to find the most competitive rates available for their personal circumstances.

Get a free quote in minutes and let us do the rest!

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Get a UK Limited Company Mortgage

Taking out a UK mortgage through a Limited/LTD Company or SPV (Special Purpose Vehicle) can be more tax-efficient than doing so in your personal name as a private landlord. See the benefits »

Liquid Expat Mortgages has over 13 years experience in helping British Expats & Foreign Nationals just like you to find the most competitive rates available for their personal circumstances.

GET A FREE QUOTE!

Speak with our UK LTD Company Mortgage experts:

Call +44 (0)161 871 1216

or arrange a call-back

Speak with our experts:

Call +44 (0)161 871 1216

or arrange a call-back

Why choose Liquid Expat Mortgages?

Finding the best UK Buy-to-Let Limited Company Mortgage deal can be tricky while living and working overseas. We have over 13 years experience in helping expats and foreign nationals like you to find the best mortgage rate for your circumstances. Our expert advisers will guide you through the whole process.

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The benefits of using a UK Limited Company

Setting up a UK Limited Company takes just 15 minutes and can be done easily online, however we are always available to help guide and advise you.

Learn the possible benefits below and find answers to the most common questions in our FAQ.

When buying rental property in your own name you are liable for:


  • 40% inheritance tax

  • Income tax on profits from your property at your tax payable rate which could be as high as 40%

  • Up to 28% capital gains tax when you sell which is payable within 30 days

  • You cannot offset finance costs, so loan interest and the like, against any rental income from residential property

However, with a UK Limited Company structure you could:


  • Offset all finance costs as an expense against rental income

  • Allocate some or all future limited company shares for the benefit of future generations, thus avoiding inheritance tax at 40%

  • Gain the facility to reduce the value of your estate for inheritance tax purposes efficiently through good advice and planning.

  • Pay 19% corporation tax on profits

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Frequently Asked Questions

A trading limited company is a legal structure set up to run a business. If the company receives income from any business or assets other than your Buy to Let property, then it would be considered a trading company.

For example, a UK Expat or Foreign National in the UAE with a UK limited company for its principal business but also invests in buying, selling and renting out of Buy to Let property then, in this case, it would be considered a trading 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.

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A Special Purpose Vehicle (SPV) is a non-trading Limited Company incorporated at Companies House and is simply a company that has a “Special Purpose” of solely owning and renting out property. Like any other limited company, you can draw income and dividends from the company, while profits retained within the company could, for example, ultimately be reinvested into expanding your property portfolio.

For example, a UK Expat or Foreign National in the UAE who already has a UK Limited company for their main day to day business can set up a separate SPV Limited company in which to exclusively buy, sell and rent out Buy to Let property.

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This is straightforward. An accountant to do this for you or you can do it yourself online at Companies House or by post using an IN01 form.

The key things that you’ll need when registering your limited company.

  • You’ll need to create a unique company name which can be checked against the current register online at https://beta.companieshouse.gov.uk/
  • You ‘ll need a registered address which can be your residential address
  • Once your company is registered you’ll need to register for Corporation Tax within three months
  • You’ll need to set up a business bank account
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Mortgage Lenders prefer to lend to 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 SPVs tend to be quicker and more straightforward as underwriters find it easier to understand an SPV which has one sole business income stream. Trading companies can be complex because of the various income streams and as such there are more mortgage options available for SPV’s than for trading companies.

It is this wider range of products and subsequent better offers that makes investing in Buy to Let property through an SPV rather than a trading limited company much more attractive.

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Buying a property to rent out in a limited company requires a Limited Company Buy to Let 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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Directors and shareholders are often required to sign personal guarantees. In essence, this is no different from taking out a standard mortgage as in effect you are personally guaranteeing any mortgage should you miss payments, get into financial problems, or if the asset depreciates considerably.

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You must pay Stamp Duty Land Tax (SDLT) if you buy a property or land over a certain price in England and Northern Ireland although rates vary depending on whether you’re a first-time buyer and the value of the property. The tax is different if the property is in Scotland or Wales.

On a remortgage, there is no stamp duty to pay. However, it may be different if you are changing ownership, such as removing someone from ownership of a property or bringing in someone as a joint venture.

One of our advisers can guide you through this sometimes confusing area of property purchase.

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Liquid Expat Mortgages is regulated by The Financial Conduct Authority (FCA). Currently, most Buy to Let mortgages are not regulated. Any Regulated Buy to Let mortgages have stricter affordability rules and resemble residential mortgages in that respect. There are exceptions known as “consumer Buy to Let” for property rental to close family members – spouse, civil partner, child etc.

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The simple answer is YES. in most instances this can be up to 80% Loan to Value.

However, it‘s worthwhile looking at repayment or part-repayment Buy to Let mortgages as over time this will give you better returns on investment.

If the property is tenanted, the mortgage will be repaid via rental income, hopefully leaving the Buy to Let Landlord with a valuable paid-up asset at the end of the mortgage term. Some landlords may prefer interest-only mortgages to help expand their portfolio as having lower payments they can save for deposits giving higher returns. This is known as leveraging.

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

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New regulations limit borrowing based on the rent deemed achievable by the lender’s valuer. Typically, a lender will stress test the borrowing at 5.5% with a coverage amount of 125%.

Borrowing £100,000 would need a rent Per calendar month of £572.92 (£100,000 * 5.5% / 12 = £458.33 * 1.25 = £572.92).

In order to maximise your borrowing facility or achieve lending on lower-yielding properties, lenders can stress test the borrowing at the rate you achieve, if you take a 5 year fixed rate. For Expats, these rates typically start at 3.99%, with a coverage amount of 125%. Therefore, to borrow the same £100,000, you would need a rental income of £415.63 per month, based on these figures.

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Mortgages currently available are up to 80% Loan to Value (LTV) for a Purchase or a Remortgage. Landlords with larger deposits tend to benefit from lower rates and lower fees. The monthly rental amount can limit the maximum loan achievable and therefore requiring higher deposits. Our mortgage advisors can help you with all questions in relation to Loan to Values and current available rates.

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Join the thousands of expats already using Liquid Expat

The level of service we provide to our customers at Liquid Expat Mortgages is really important and we’re always delighted to receive positive feedback. Here’s what some of our clients have said about us recently.

Paul Testimonial

­ I have to say my experience with Liquid Expat Mortgages was positive from start to finish. The level of customer service I received from both John and Liam was simply outstanding, thank you!

Paul / UK Expat living in Dubai
N.T.O Testimonial

­ We would like to commend the excellent support we received from Liquid Expat in our recent buy-to-let mortgage application, which proceeded faster than we could have hoped. Thank you so much.

Nate / UK Expat living in Australia
Sarah Testimonial

­ I just wanted to drop you a note to express my thanks for the work Liquid Expat has done in helping me secure a formal mortgage offer for a residential property in Scotland, which is due to complete later this week.

Sarah / UK Expat living in the USA
Danielle Testimonial

­ I know I haven’t reached the finished line yet and completed, but I would just like to say a big thank you for putting up with a million questions from me about my first time buyer property purchase in the United Kingdom.

Danielle / UK Expat living in HK
Pete Testimonial

­ Of the many companies we’ve had to deal with throughout our extended expat mortgage process, your proactive and positive attitude has set you aside from all the others and gratefully received, thank you!

Pete / UK Expat living New Zealand
Helen Testimonial Qatar

­ I just want to say a massive thank you for finding me a mortgage when I was really really struggling. I had previously contacted THREE different brokers who were all unsuccessful.  You really are expat specialists! 

Helen / UK Expat living in Australia
Nira Testimonial

­ We are sending this message with sincere thanks to Liquid Expat for their brokerage services in helping us to secure our buy-to-let expat mortgage in the United Kingdom so quickly.

Nira / Foreign National living and working in New Zealand
Kaleb Testimonial

­ I just wanted to say a big thank you to Liquid Expat for all their help over the last few weeks. It would have been impossible to do this purchase without your expert help and advice.

Kaleb / Foreign National living and working in Spain
Sato Testimonial

­ Thanks for your great work. Very much appreciated. I can honestly say that it’s been good working with you and your team, you’ve made the difficult process very smooth.

Sato / Foreign National living and working in Hong Kong
N.T.O Testimonial

­ We would like to commend the excellent support we received from Liquid Expat in our recent recent buy-to-let mortgage application, which proceeded faster than we could have hoped. Thank you so much.

Nate / UK Expat living in Australia
Sarah Testimonial

­ I just wanted to drop you a note to express my thanks for the work Liquid Expat has done in helping me secure a formal mortgage offer for a residential property in Scotland, which is due to complete later this week.

Sarah / UK Expat living in Australia
Sato Testimonial

­ Thanks for your great work. Very much appreciated. I can honestly say that it’s been good working with you and your team, you’ve made the difficult process very smooth.

Sato / Foreign National living and working in Australia
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Save time and stress when applying for a UK LTD Company Mortgage

Our large team of Mortgage Consultants are super-qualified, experienced and friendly. Trained to the highest standard, they’ll take care of all the hard work and support you throughout the whole process.

We’ll save you time and stress when applying

Our large team of Mortgage Consultants are super-qualified, experienced and friendly. Trained to the highest standard, they’ll take care of all the hard work and support you throughout the whole process.

Get a free quote
Arrange a call back

Copyright © 2024 Liquid Expat Mortgages, All rights reserved. Privacy Policy. Terms & Conditions. Procedures.
DISCLAIMER: Liquid Expat Mortgages is a trading style of Liquid Complete Ltd, trading address: Suite 4b, Link 665 Business Centre, Todd Hall Road, Rossendale, BB4 5HU, United Kingdom. Registered in England & Wales address Phoenix House, 2 Huddersfield Road, Stalybridge, SK15 2QA, United Kingdom. Company No 09438556. Liquid Complete Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 685425. The FCA does not regulate some investment mortgage contracts. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it.