For UK landlords exploring buy-to-let options in 2025, a common question is: Do BM Solutions offer limited company buy to let mortgages? As a trusted name in the intermediary mortgage market, BM Solutions – part of Lloyds Banking Group – is often a go-to lender for landlords. However, understanding their criteria and product range is essential before making any decisions. Whether you’re expanding your portfolio or considering a Birmingham Midshires remortgage, it’s important to know where BM Solutions stands on limited company lending.
Do BM Solutions offer limited company buy to let mortgages?
No, BM Solutions does not currently offer limited company buy-to-let mortgages. As of 2025, BM Solutions only provides buy-to-let mortgages to individual landlords, not to limited companies or Special Purpose Vehicles (SPVs). This means that if you’re operating through a limited company structure, you’ll need to look at other lenders that specialise in corporate buy-to-let products.
That said, BM Solutions remains a popular choice for individual landlords due to its competitive rates, streamlined application process, and strong support for portfolio landlords. If you’re an individual landlord seeking a Birmingham Midshires mortgage, BM Solutions may still be a suitable option.
Why do some landlords prefer limited company buy to let mortgages?
Many landlords opt to purchase property through a limited company for potential tax advantages. Since changes to mortgage interest relief were introduced, limited companies can still deduct mortgage interest as a business expense, which may result in lower tax bills for higher-rate taxpayers. Additionally, corporation tax rates are generally lower than higher personal income tax bands.
However, limited company mortgages often come with higher interest rates and more complex underwriting. Lenders like BM Solutions focus on individual landlords to streamline their offerings. If you’re unsure whether to invest personally or via a limited company, it’s wise to consult a tax adviser and mortgage broker to weigh the pros and cons.
What are the alternatives to BM Solutions for limited company buy to let?
If you’re looking for a limited company buy-to-let mortgage, several UK lenders cater to this niche. These include Paragon Bank, Precise Mortgages, The Mortgage Works (TMW), and Aldermore. These lenders offer products specifically designed for SPVs and trading limited companies, with criteria tailored to more complex ownership structures.
While BM Solutions doesn’t currently offer limited company lending, they remain competitive for personal buy-to-let mortgages. If you’re considering switching or refinancing, a BM Solutions product transfer may be worth exploring if you’re already a customer.
Can I transfer my BM Solutions mortgage into a limited company?
Unfortunately, no. BM Solutions does not allow existing personal buy-to-let mortgages to be transferred into a limited company structure. If you wish to move your property into a company name, you would need to remortgage with a lender that supports limited company buy-to-let. This process can involve legal and tax implications, including potential stamp duty and capital gains tax liabilities.
Before proceeding, seek advice from a qualified tax adviser and mortgage broker. If you’re staying with BM Solutions, you may want to explore a Birmingham Midshires remortgage under your personal name instead.
Are BM Solutions mortgages suitable for portfolio landlords?
Yes, BM Solutions is well-regarded among portfolio landlords who hold multiple properties in their personal name. They have specific criteria for portfolio landlords, including a requirement to provide a full breakdown of your property portfolio and rental income. Their systems are designed to handle more complex cases efficiently, making them a strong choice for experienced landlords operating outside of a limited company structure.
If you’re managing a growing portfolio and want to keep your properties under your personal name, a Birmingham Midshires mortgage via BM Solutions could be a practical option in 2025.
How do I apply for a BM Solutions buy to let mortgage?
BM Solutions only operates through intermediaries, meaning you can’t apply directly as a borrower. To access their products, you’ll need to work with a mortgage broker who is registered with BM Solutions. The broker will assess your eligibility, gather documentation, and submit the application on your behalf.
Whether you’re applying for a new mortgage or considering a BM Solutions product transfer, using a broker ensures you receive tailored advice and access to the latest rates and criteria.
In summary, while BM Solutions does not offer limited company buy-to-let mortgages, they remain a strong choice for individual landlords looking for competitive rates and efficient service in 2025. To learn more about your options, explore our full range of guides on Birmingham Midshires mortgage products and how they can support your property investment goals.
