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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
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.
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
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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.
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We can talk you through the process on how best to present your mortgage application.
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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.
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
07
Dec
Dec
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
22
Jul
Jul
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
15
Apr
Apr
UK Limited Company Mortgages – Frequently Asked Questions
I’m currently living abroad. Can I a get a UK Limited Company Mortgage?
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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Why do I need a set up as a UK Limited Company Mortgage or an SPV/Trading company?
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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What is a UK Limited Company Buy-to-Let Mortgage?
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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Why is a UK Limited Company Mortgage a good choice for me as an investor?
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 quoteLiquid 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.
Accessible
Our mortgage consultants are available on the end of the phone or email, as and when you need us.
Approved
Liquid Expat is fully approved by the UK’s Financial Conduct Authority for expat mortgage advice.
Exclusive Market Access
Not only do we have the largest panel of lenders to choose from, but a number of our lenders have exclusive offers only available through Liquid Expat Mortgages.
Experienced
Liquid Expat Mortgages have successfully completed thousands of mortgages and remortgages for expats and foreign nationals since 2007.
Experts
Our expert mortgage consultants are fully qualified with extensive UK Mortgage market knowledge.
Straightforward
We work quickly, without jargon, to make things happen within your time frame and around your time zone.
Liquid Expat Mortgages Testimonials
Hear from some of our clients about their experience with Liquid Expat Mortgages.
❝ 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. ❞
❝ 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. ❞
❝ 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. ❞
Liquid Expat Mortgages Reviews
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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