As we move into 2025, many UK landlords are reviewing their portfolio strategies and exploring tax-efficient ways to invest in property. A common question we hear is: Does Birmingham Midshires offer limited company buy to let? If you’re a landlord or mortgage broker researching options for limited company structures, it’s essential to understand what Birmingham Midshires – also known as BM Solutions – can offer. With a strong reputation in the buy-to-let market, BM Solutions is a key lender for individual landlords, but their stance on limited company lending might surprise you.
Does Birmingham Midshires offer limited company buy to let?
No, Birmingham Midshires does not currently offer buy-to-let mortgages to limited companies. BM Solutions, the intermediary-only arm of Birmingham Midshires, focuses exclusively on individual landlords operating in their personal names. If you’re looking to purchase or remortgage a property through a limited company (also known as a Special Purpose Vehicle or SPV), you’ll need to explore other lenders that specialise in limited company buy-to-let products. However, if you own property in your personal name, BM Solutions remains a competitive option, particularly for portfolio landlords. For more information on their offerings, visit our Birmingham Midshires mortgage guide.
What are the alternatives to Birmingham Midshires for limited company buy to let?
If you’re investing through a limited company, lenders such as Paragon, Precise Mortgages, The Mortgage Works, and Aldermore are well-known for offering competitive limited company buy-to-let products. These lenders understand the tax benefits and structuring advantages of SPV ownership. While Birmingham Midshires doesn’t cater to this niche, brokers can help you compare limited company options across the market. It’s also worth noting that limited company mortgages often come with slightly higher interest rates and stricter underwriting, so professional advice is crucial.
Can I switch my Birmingham Midshires mortgage into a limited company?
No, Birmingham Midshires 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 limited company, you would need to sell the property to the company, which could trigger capital gains tax and stamp duty. This process would also require a new mortgage with a lender that supports limited company applications. If you’re staying in your personal name and looking to secure a better rate, a BM Solutions product transfer may be a more suitable option.
Is Birmingham Midshires still a good option for personal buy to let?
Absolutely. Despite not offering limited company mortgages, Birmingham Midshires remains a strong choice for individual landlords. Their products are known for competitive rates, flexible criteria, and support for portfolio landlords. BM Solutions also offers a streamlined remortgage process and attractive product transfer options. If you’re not using a limited company structure, a Birmingham Midshires remortgage could help you reduce costs and lock in a better deal in 2025.
Why do some landlords choose limited company buy to let?
Many landlords choose to purchase property through a limited company for potential tax advantages. Since the 2017 changes to mortgage interest relief, owning property via a limited company can allow landlords to deduct mortgage interest as a business expense. Additionally, corporation tax rates may be lower than personal income tax rates, depending on your circumstances. However, limited company ownership also comes with additional costs, such as accounting fees and potentially higher mortgage rates. It’s important to weigh these factors and seek tailored advice before deciding on the right structure for your investments.
Can I get a BM Solutions product transfer if I’m not using a limited company?
Yes, if your existing mortgage is with BM Solutions and held in your personal name, you may be eligible for a product transfer. This allows you to switch to a new deal without changing lenders or undergoing a full affordability assessment. Product transfers are often quicker and involve fewer fees than remortgaging. To explore your options, visit our BM Solutions product transfer page for the latest 2025 rates and guidance.
How do I apply for a Birmingham Midshires mortgage?
Birmingham Midshires mortgages are only available through intermediaries, so you’ll need to work with a mortgage broker to apply. A broker can assess your eligibility, compare deals, and manage the application process on your behalf. Whether you’re purchasing a new buy-to-let or looking to remortgage, using a broker ensures you access the full range of BM Solutions products and receive expert advice tailored to your needs. Start by reviewing our full Birmingham Midshires mortgage guide to learn more.
In summary, while Birmingham Midshires does not offer limited company buy-to-let mortgages, they remain a leading choice for personal buy-to-let lending in the UK. If you’re exploring your options for 2025, be sure to browse our related guides on Birmingham Midshires mortgage deals, BM Solutions product transfers, and Birmingham Midshires remortgage solutions to make informed decisions about your property investments.
