Expat Mortgage Case Studies

Learn how our team has helped both expats and foreign nationals secure mortgages in the United Kingdom despite difficult or complex circumstances.

SPV Ltd Co Refinances London Rental Flat

Case Study 1 – SPV Ltd Co Refinances London Rental Flat


Liquid Expat Mortgages were contacted by a UK Expat living and working in Australia who wanted to expand his buy to let portfolio by refinancing a property to raise capital for a deposit.

The property was a 2-bed flat in a small block in North London which was owned in an SPV limited company.

With more and more competitive rates now available for SPV’s Liquid Expat mortgages quickly found a rate that suited the customer’s needs.

Case Details

Property value: £395,000

Loan amount: £200,000

Product: 2 Year Fixed

Rate: 3.49%

Term: 25 years interest only

Mortgage payment: £581.67

Rental income: £1975 pcm

Gross yield: 6% pa

62 Year Old Landlord Expands Portfolio Through SPV Ltd Co

Case Study 2 – Landlord Expands Portfolio Through SPV Ltd Co


An experienced landlord who took out his first mortgage with Stuart Marshall at Liquid Expat Mortgages over 12 years ago wanted to expand his portfolio as he was still working as a Oil Engineer in Saudi and still earning a high salary which was tax exempt. He intended working for at least a further 15 years.

The customer had identified the property which was a 3 bed detached cottage in leafy Cheshire and which he intended to rent out as the area had a very strong rental demand for families looking for excellent schools and good commuter links to Manchester.

As he was 62 years old he believed his hopes of getting mortgages were slim. Liquid advised him that there were in fact a number of lenders who provided Buy to Let mortgages through SPV’s and also allowed borrowing up to 85 years of age.

The client set up an SPV Company (of which he was the sole director) within 48 hours and in this instance, the landlord chose a mortgage term of 15 years.

Case Details

Property value: £395,000

Loan amount: £200,000

Product: 2 Year Fixed

Rate: 3.49%

Term: 25 years interest only

Mortgage payment: £581.67

Rental income: £1975 pcm

Gross yield: 6% pa