Skipton International Launches Limited Company Lending

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.

Developed for intermediaries, the new lending option builds on Skipton International’s specialist experience in UK Buy-to-Let lending for expat and international customers. It combines defined lending criteria with access to dedicated mortgage specialists and a personal approach to service for clients purchasing property through a limited company, remortgaging an existing SPV (special purpose vehicle) portfolio, or reviewing ownership structures for UK residential investment property.

Key lending criteria include:

·       65% LTV

·       Minimum loan size of £200,000

·       Application fee of £4,999

·       Maximum of two directors/shareholders

·       Pure SPV only, not trading companies, and must be UK, Guernsey or Jersey incorporated

·       Non-UK resident directors only, with EU resident directors acceptable for Limited Company Buy-to-Let

The launch comes amid continued growth in limited company Buy-to-Let ownership. Research from Hamptons, part of the Skipton Group, shows that 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. Hamptons also reported that around three-quarters of new Buy-to-Let purchases are now made through limited companies.

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.”