As we move into 2025, many UK landlords are exploring limited company structures to maximise tax efficiency and grow their property portfolios. If you’re considering this route, a BM Solutions limited company mortgage could be a smart financing option. BM Solutions, part of Lloyds Banking Group, is a well-known lender in the buy-to-let market, offering competitive products tailored for landlords operating through limited companies. Whether you’re a seasoned investor or just starting out, understanding how BM Solutions supports limited company borrowing is key to making informed decisions.
What is a BM Solutions limited company mortgage?
A BM Solutions limited company mortgage is a buy-to-let mortgage designed specifically for landlords who own or are purchasing property through a limited company. Unlike traditional personal buy-to-let mortgages, these products are structured to align with corporate ownership, offering potential tax benefits and greater flexibility for portfolio landlords. BM Solutions only accepts applications via intermediaries, meaning you’ll need to apply through a mortgage broker. These mortgages are typically available for Special Purpose Vehicles (SPVs) – limited companies set up solely for holding property. BM Solutions offers competitive rates, fixed and tracker options, and supports portfolio landlords with up to three applicants per application. If you’re looking to expand your property investments in 2025, this could be a tax-efficient way to do so.
Who can apply for a BM Solutions limited company mortgage?
BM Solutions limited company mortgages are available to landlords who operate through a Special Purpose Vehicle (SPV) limited company. The SPV must be registered with Companies House and have an appropriate SIC code related to property letting or management (e.g., 68209). Applicants must be UK residents, aged between 25 and 75, and typically need a minimum income of £25,000. BM Solutions also considers the experience of the applicants – while first-time landlords may be eligible, having previous buy-to-let experience can strengthen your application. The lender allows up to three directors or shareholders to be named on the mortgage, and all applicants must be directors of the SPV. If you’re unsure whether your company structure qualifies, a mortgage broker can help assess your eligibility and guide you through the process.
What are the benefits of using a limited company for buy-to-let with BM Solutions?
Using a limited company to hold your buy-to-let properties can offer several advantages, especially when paired with a BM Solutions mortgage. One of the main benefits is tax efficiency. Since the changes to mortgage interest tax relief in recent years, many landlords have found that holding property in a limited company allows them to deduct mortgage interest as a business expense. This can result in lower overall tax liability, particularly for higher-rate taxpayers. Additionally, profits retained within the company can be reinvested into further property purchases, helping you grow your portfolio more efficiently. BM Solutions supports this strategy with competitive limited company mortgage products, making it easier for landlords to scale in 2025 and beyond.
Can I switch my existing BM Solutions mortgage into a limited company?
Unfortunately, BM Solutions does not currently allow existing personal buy-to-let mortgages to be switched into a limited company structure. This process, known as incorporation, typically involves selling the property from yourself to your limited company, which can trigger capital gains tax and stamp duty liabilities. If you’re considering this route, it’s essential to seek professional tax and legal advice. However, if you’re looking to remortgage or purchase a new property through your company, BM Solutions does offer competitive limited company mortgage options. You can also explore a BM Solutions product transfer if you’re staying in personal ownership and want to secure a new rate at the end of your current deal.
How do BM Solutions limited company mortgage rates compare in 2025?
As of 2025, BM Solutions continues to offer some of the most competitive limited company mortgage rates in the UK buy-to-let market. Their products include fixed-rate and tracker options, with terms typically ranging from two to five years. Rates can vary depending on the loan-to-value (LTV) ratio, property type, and applicant profile. BM Solutions tends to favour lower LTVs (up to 75%) and offers better pricing for experienced landlords and larger portfolios. While limited company mortgage rates are often slightly higher than personal buy-to-let rates, the potential tax savings can outweigh the difference. Working with a broker can help you compare BM Solutions’ offerings with other lenders and find the most cost-effective solution for your investment goals.
What is the application process for a BM Solutions limited company mortgage?
To apply for a BM Solutions limited company mortgage, you’ll need to go through a mortgage broker, as BM Solutions does not deal directly with the public. The broker will assess your eligibility, gather necessary documentation (including company accounts, director details, and property information), and submit the application on your behalf. BM Solutions will review the company structure, credit history of the directors, and the rental income potential of the property. They may also require a business bank account and proof of SPV registration with the correct SIC code. The process typically takes a few weeks, depending on the complexity of the case and how quickly documents are provided. If you’re planning a Birmingham Midshires remortgage through a limited company, your broker can help streamline the process and ensure compliance with lender criteria.
Does BM Solutions support portfolio landlords with limited companies?
Yes, BM Solutions is well-suited to portfolio landlords operating through limited companies. They allow up to three applicants per mortgage and support landlords with multiple properties, provided the overall portfolio remains manageable and within their lending criteria. BM Solutions requires detailed information about your existing portfolio, including rental income, property values, and outstanding mortgages. They will assess affordability based on the entire portfolio, not just the subject property. This holistic approach ensures responsible lending while still enabling landlords to expand. If you’re managing a growing portfolio in 2025, BM Solutions’ limited company products could provide the flexibility and support you need to scale efficiently.
In summary, a BM Solutions limited company mortgage can be an excellent option for UK landlords looking to grow their portfolios tax-efficiently in 2025. With competitive rates, strong support for SPVs, and a broker-only model that ensures expert guidance, BM Solutions remains a trusted name in the buy-to-let sector. To learn more about your options, explore our full range of guides on Birmingham Midshires mortgage products, including how to complete a BM Solutions product transfer or a Birmingham Midshires remortgage for your next investment.
