For landlords with multiple properties held in a limited company structure, finding the right mortgage lender is essential. The BM Solutions limited company portfolio mortgage is a popular option for UK landlords looking to manage and grow their property investments efficiently. As a trusted lender under the Lloyds Banking Group, BM Solutions offers tailored solutions for portfolio landlords, especially those using limited company structures. In this guide, we answer key questions about how their portfolio mortgage products work in 2025 and how they could support your investment goals.
What is a BM Solutions limited company portfolio mortgage?
A BM Solutions limited company portfolio mortgage is a specialist buy-to-let mortgage designed for landlords who own four or more properties and operate through a limited company. BM Solutions, the intermediary-only arm of Birmingham Midshires, offers this product to help portfolio landlords manage their borrowing more efficiently. These mortgages are underwritten based on both the individual property and the overall portfolio performance. In 2025, BM Solutions continues to support experienced landlords with competitive rates, flexible criteria, and streamlined application processes. This type of mortgage can be particularly tax-efficient, as limited companies are subject to corporation tax rather than personal income tax on rental profits. If you’re considering a Birmingham Midshires mortgage for your portfolio, it’s essential to work with a broker who understands the complexities of limited company lending.
Who is eligible for a BM Solutions portfolio mortgage?
To be eligible for a BM Solutions portfolio mortgage, you must meet several key criteria. Firstly, you need to be a portfolio landlord, typically defined as someone owning four or more mortgaged buy-to-let properties. Your properties can be held personally or through a limited company structure. BM Solutions requires that borrowers have experience in managing rental properties and a strong credit profile. Additionally, the lender will assess your entire portfolio’s performance, including rental income, loan-to-value ratios, and property types. As of 2025, BM Solutions continues to focus on standard buy-to-let properties, so HMOs and multi-unit blocks may not be eligible. A broker can help you determine if your portfolio fits BM Solutions’ criteria and guide you through the application process.
Can I remortgage my existing properties into a limited company with BM Solutions?
Yes, it is possible to remortgage your existing buy-to-let properties into a limited company structure with BM Solutions, although it involves specific steps. This process is known as an incorporation remortgage. It typically requires transferring ownership of the properties from your personal name to a limited company, which may trigger stamp duty and capital gains tax liabilities. BM Solutions will treat this as a new purchase by the limited company, not a standard remortgage. However, if you already own properties in a company and are looking to switch deals, a Birmingham Midshires remortgage could be a viable option. It’s crucial to seek advice from a tax adviser and mortgage broker to understand the full implications of incorporation before proceeding.
How does BM Solutions assess affordability for portfolio landlords?
BM Solutions uses a portfolio-based affordability assessment for landlords with four or more properties. This means they don’t just look at the property you’re mortgaging—they assess your entire portfolio’s income and expenditure. In 2025, BM Solutions continues to apply a stress test to each property, typically requiring rental coverage of 125%–145% at a stress rate of around 5.5%. They also consider your overall loan-to-value (LTV) across the portfolio and may request a business plan and cash flow forecast. This holistic approach ensures that your portfolio is sustainable and not over-leveraged. If you’re planning a BM Solutions product transfer or new borrowing, it’s wise to organise your portfolio data in advance to streamline the underwriting process.
Are product transfers available for limited company portfolio mortgages?
Yes, BM Solutions offers product transfers for limited company portfolio mortgages, allowing landlords to switch to a new rate at the end of their current deal without needing to remortgage. This is a convenient option in 2025, especially if you want to avoid legal fees, valuations, or affordability reassessments. Product transfers typically come with competitive rates and can be arranged through your broker. However, it’s important to check whether the new product meets your investment goals and whether switching lenders might offer better long-term value. If you’re considering staying with BM Solutions, a BM Solutions product transfer could be a cost-effective way to manage your portfolio finance without disruption.
What are the benefits of using a limited company for buy-to-let?
Using a limited company for buy-to-let investments can offer several advantages, especially for higher-rate taxpayers. One of the main benefits is the ability to offset all mortgage interest against rental income, which is no longer fully available to individual landlords due to Section 24 tax changes. Limited companies pay corporation tax on profits, which is generally lower than higher rates of income tax. Additionally, retained profits can be reinvested into further property purchases without personal tax implications. In 2025, more landlords are choosing limited company structures for these reasons. However, there are also additional responsibilities, such as filing annual accounts and potential tax on dividends when withdrawing profits. It’s important to weigh the pros and cons with a qualified adviser before deciding on your structure.
How can I apply for a BM Solutions limited company portfolio mortgage?
BM Solutions only accepts applications through authorised mortgage intermediaries, so you’ll need to work with a broker to apply. The process involves submitting detailed information about your limited company, your property portfolio, and your personal financial background. Your broker will help you gather the necessary documents, such as company accounts, rental income statements, and a portfolio schedule. In 2025, BM Solutions continues to offer a streamlined process for experienced landlords, but preparation is key to a smooth application. If you’re already a BM Solutions customer, your broker can also help with a Birmingham Midshires remortgage or product transfer. Choosing a broker who specialises in portfolio lending can make a significant difference in securing the most suitable deal for your needs.
Whether you’re expanding your portfolio or reviewing your current finance strategy, the BM Solutions limited company portfolio mortgage offers a robust solution for UK landlords in 2025. To explore your options, browse our expert guides on Birmingham Midshires mortgage products, BM Solutions product transfer options, and Birmingham Midshires remortgage solutions. Our team is here to help you make informed decisions with confidence.
