“The buy-to-let market has changed, with limited company structures now a much more common route for landlords and investors.”
– Lucy Lewis – Skipton International
Skipton International has launched Limited Company Lending for eligible expat and international property investors purchasing or refinancing UK buy-to-let property through a limited company structure, following research showing recent growth in BTL companies
Key lending criteria include 65% LTV, a minimum loan size of £200,000, an application fee of £4,999, and a maximum of two directors/shareholders.
The new lending option has been developed exclusively for non-UK resident directors, with EU resident directors acceptable for limited company buy-to-let. The lending criteria also include pure special purpose vehicle (SPV) structures only, not trading companies, which must be UK, Guernsey or Jersey incorporated.
The launch follows research from Hamptons, part of the Skipton Group, that found 66,587 new buy-to-let companies were formed in 2025, with 443,272 buy-to-let companies registered in the UK by the end of the year. The research also revealed that around three-quarters of new buy-to-let purchases are now made through limited companies.
“The buy-to-let market has changed, with limited company structures now a much more common route for landlords and investors,” Lucy Lewis (pictured), senior manager, mortgage sales at Skipton International, said.
“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.”
