A lender has launched limited company buy-to-let mortgages for expat and international investors purchasing or refinancing UK property through special purpose vehicles.
Skipton International’s limited company lending is available to eligible non-UK resident directors buying UK buy-to-let property, remortgaging an existing SPV portfolio or reviewing ownership structures for residential investment property.
The product is available at up to 65% loan-to-value, with a minimum loan of £200,000 and an application fee of £4,999.
Companies can have a maximum of two directors or shareholders and must be pure SPVs rather than trading companies. They must be incorporated in the UK, Guernsey or Jersey.
Directors must be non-UK residents, with EU resident directors also eligible for the limited company buy-to-let offering.
The launch comes as limited company ownership accounts for a growing proportion of buy-to-let activity.
Research from Hamptons, part of the Skipton Group, found 66,587 new buy-to-let companies were formed in 2025, taking the total number registered in the UK to 443,272 by the end of the year.
Around three-quarters of new buy-to-let purchases are now made through limited companies, according to Hamptons.
Lucy Lewis, senior manager, mortgage sales at Skipton International, said: “The buy-to-let market has changed, with limited company structures now a much more common route for landlords and investors.
“As a specialist in UK buy-to-let lending for international and expat customers, Skipton International understands the needs of overseas borrowers investing in UK property.
“Limited company lending builds on that experience, giving intermediaries a practical option for eligible non-UK resident directors using SPV structures, supported by specialist criteria, dedicated mortgage specialists and the personal service they expect from Skipton International.”
