For UK landlords seeking to expand their portfolios through a limited company structure, the BM Solutions limited company buy to let mortgage offers a specialist solution tailored to your needs. BM Solutions, the intermediary-only arm of Birmingham Midshires, is well-known for its landlord-focused mortgage products. Whether you’re a seasoned investor or exploring limited company ownership for the first time, understanding how BM Solutions supports this route in 2025 is essential for making informed decisions.
What is a BM Solutions limited company buy to let mortgage?
A BM Solutions limited company buy to let mortgage is a specialist mortgage product designed for landlords who purchase or remortgage rental properties through a limited company, rather than in their personal name. This approach can offer tax efficiencies, particularly since recent changes to mortgage interest relief for individual landlords. BM Solutions, part of Lloyds Banking Group, provides these mortgages exclusively through intermediaries, meaning you’ll need to work with a mortgage broker to access them. These products are tailored for experienced landlords and typically require that the limited company is set up as a Special Purpose Vehicle (SPV) with a defined property letting SIC code. The lender assesses both the company’s financials and the directors’ experience to determine eligibility.
Why choose BM Solutions for a limited company buy to let mortgage?
BM Solutions is a trusted name among UK landlords due to its competitive rates, straightforward criteria, and dedicated support for buy to let lending. Their limited company mortgages are designed to accommodate the needs of portfolio landlords who want to benefit from the tax advantages of operating through a company structure. In 2025, BM Solutions continues to offer attractive fixed-rate options, generous rental stress tests, and flexible lending criteria. They also provide a streamlined application process via mortgage brokers, making it easier for landlords to secure finance. For those already with BM Solutions, a BM Solutions product transfer may also be available when your current deal ends, allowing you to switch rates without legal or valuation fees.
Can I switch my existing Birmingham Midshires mortgage to a limited company?
Unfortunately, you cannot directly transfer a personal buy to let mortgage with Birmingham Midshires into a limited company structure. This is because the legal ownership of the property changes when moving from individual to corporate ownership. Instead, you would need to complete a sale from yourself to your limited company, which involves a full remortgage, legal work, and potentially stamp duty. If you’re considering this route, it’s essential to speak with a mortgage broker who understands the process and can help you explore options such as a Birmingham Midshires remortgage or switching to a lender that supports limited company buy to let mortgages. BM Solutions offers competitive products for new purchases and remortgages under a limited company, provided the application is made through an intermediary.
What are the eligibility criteria for a BM Solutions limited company mortgage?
To qualify for a BM Solutions limited company buy to let mortgage in 2025, the company must typically be an SPV (Special Purpose Vehicle) with an appropriate SIC code such as 68209 (Letting and operating of own or leased real estate). The directors and shareholders must usually be the same individuals, and BM Solutions prefers applicants with prior landlord experience. There are also minimum income requirements, and the property must meet specific rental yield and valuation criteria. The mortgage is assessed on the property’s rental income, but BM Solutions may also consider the directors’ personal financial standing. A mortgage broker can help ensure your application meets all the necessary conditions before submission.
Are BM Solutions limited company mortgages available for portfolio landlords?
Yes, BM Solutions caters to portfolio landlords—those with four or more mortgaged buy to let properties. In fact, their limited company mortgage products are particularly well-suited to landlords with multiple properties looking to consolidate or expand their holdings. BM Solutions will require a full portfolio review, including details of all properties, rental income, and outstanding mortgages. They assess the overall financial strength of the portfolio, not just the individual property being mortgaged. This makes them a strong choice for experienced investors seeking a lender that understands the complexities of managing multiple buy to let properties through a limited company structure.
How does a BM Solutions product transfer work for landlords?
If you already have a mortgage with BM Solutions and your fixed term is ending, you may be eligible for a BM Solutions product transfer. This allows you to switch to a new rate without the need for a full remortgage, saving time and costs. However, product transfers are only available for mortgages held in the same name and structure—so if your current mortgage is in your personal name, you cannot transfer it to a limited company. For limited company landlords, BM Solutions offers a range of follow-on rates that can be accessed through your broker. Product transfers typically involve no legal fees or valuations, and the process can often be completed within a few weeks.
What are the benefits of using a limited company for buy to let in 2025?
Using a limited company to hold buy to let properties continues to offer potential tax advantages in 2025. One of the main benefits is the ability to deduct mortgage interest as a business expense, which is no longer fully available to individual landlords due to Section 24 tax changes. Additionally, corporation tax is generally lower than higher-rate personal income tax, which can result in significant savings for landlords with larger portfolios. A limited company structure can also make it easier to manage inheritance planning and share ownership with family members. However, there are additional costs and responsibilities involved, such as company accounts and filing requirements, so it’s important to seek professional tax advice before making the switch.
Whether you’re looking to grow your portfolio or optimise your tax position, a Birmingham Midshires mortgage via BM Solutions could be the right fit. Their limited company buy to let products are designed with landlords in mind, offering flexibility and competitive rates in 2025. To explore your options further, browse our related guides and speak with a specialist broker who understands the BM Solutions criteria inside and out.
