Case Study: Sydney-Based Landlord Building a Birmingham HMO
A UK landlord fourteen years into a Sydney posting was restructuring his next acquisition after his accountant’s review concluded that Section 24 had reshaped the arithmetic on personally-held BTL. The proposition was a Victorian end-of-terrace in B29 with conversion potential to a four-room young-professional HMO, financed inside a brand-new UK SPV with a parallel refinance
Limited Company Buy-to-Let Mortgages
A limited company buy-to-let is a buy-to-let mortgage where the property is owned by a UK limited company rather than the borrower personally. The structure became dominant for new buy-to-let purchases following the introduction of Section 24, which restricted mortgage interest relief for individual landlords. Most lenders require the company to be a Special Purpose
Limited Company Buy-to-Let Mortgages for Expats: Complete Guide 2026
Limited company buy-to-let mortgages for expats enable overseas-based investors to hold UK rental property through a UK Special Purpose Vehicle (SPV) rather than in their personal name. With around 75-80% of new buy-to-let purchases now made through limited companies (according to Hamptons research, February 2026), company ownership has become the dominant structure for UK property