BM Solutions launch limited company buy-to-let mortgages

by Aaron Strutt

Jul 28 2025

BM SOLUTIONS LAUNCHES LIMITED COMPANY BUY-TO-LET MORTGAGES

At Trinity Financial, we’re always monitoring the buy-to-let market for new opportunities to support our clients' property investment goals.

We’re pleased to share that BM Solutions, one of the UK’s most prominent buy-to-let lenders, has officially entered the limited company mortgage space—offering more flexibility and choice for landlords across London and the UK.

Why Does BM Solutions Offering Limited Company Buy-to-let Mortgages Matter?

Historically, BM Solutions, previously known as Birmingham Midshires, has focused solely on individual (personal name) buy-to-let lending. Their new offering marks a significant step in the evolution of the buy-to-let market—particularly relevant for landlords who are increasingly turning to limited company structures to optimise tax efficiency and portfolio management. BM Solutions will increase competition in the sector.

This move reflects growing demand among professional landlords and property investors seeking to:

• Mitigate tax liability following the phased reduction in mortgage interest relief for personal ownership.

• Ring-fence liabilities and separate personal finances from their property business.

• Grow portfolios in a more scalable, structured manner.

Key Benefits of BM Solutions’ Limited Company Mortgages

While full details are best reviewed with your mortgage and tax advisers, here are some standout features from BM Solutions' new proposition:

• Competitive fixed rates tailored for limited company structures with a maximum of four parties who must collectively own 100% of the company.

• Lending available up to 75% loan-to-value (LTV).

• Products aimed at Special Purpose Vehicles (SPVs) with standard SIC codes, including 68209, 68100, 68320 and 68201.

• Support for portfolio landlords (those with four or more buy-to-let properties)

• A fast and straightforward application process with BM Solutions’ usual service levels. A buy-to-let mortgage offer is often produced within two weeks.

• Partnerships, limited liability partnerships (LLPs), trading or layered companies are not accepted.              
• Personal guarantees: Required from all directors/shareholders for the full loan amount.

Is a Limited Company Buy-to-Let Right for You?

While investing through a limited company can offer advantages—particularly in terms of tax efficiency —it’s not a one-size-fits-all solution. There are additional responsibilities, such as company accounts and potential differences in lender rates and criteria.

Here at Trinity Financial, we help our clients weigh the pros and cons based on their individual circumstances, goals, and long-term strategies.

Who Are BM Solutions' Competitors?

Aaron Strutt, product director at Trinity Financial, says: "There are lots of lenders offering limited company buy-to-let mortgages now, but the main players in this space are The Mortgage Works, Paragon, and Kent Reliance. 

"There has been a pretty dramatic increase in landlords switching their portfolios into a limited company or buying their first buy-to-lets in a limited company. Some of the rates are competitively priced."

How Trinity Financial's Brokers Can Help

Our team of experienced London-based mortgage brokers works closely with a large panel of lenders, including BM Solutions, to secure competitive buy-to-let deals. Whether you're setting up your first SPV or expanding an established portfolio, we provide expert guidance every step of the way.

We can help you:

• Understand how the new BM Solutions limited company range compares to others in the market.

• Navigate complex lending criteria and eligibility.

• Coordinate with your accountant to align your mortgage structure with your tax strategy.

Final Thoughts on BM Solutions Limited Company Buy-to-let Launch

The arrival of BM Solutions into the limited company space adds a trusted name to an increasingly competitive sector—great news for landlords looking for more choice and better value.

If you're considering investing through a limited company or want to review your current arrangements, speak to one of our advisers today. We’ll assess your options and help you make informed, financially sound decisions.

Call Trinity Financial on 020 7016 0790 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

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