BM Solutions launch Limited Company Buy To Let offering
BM Solutions has introduced a new Limited Company Buy to Let mortgage range, available from 28th July 2025. Offering competitive rates from 3.99% and generous affordability calculations, this launch creates new opportunities for borrowers to purchase, remortgage, or transfer existing properties into a Special Purpose Vehicle (SPV) Limited Company. In this article, we explain the key features, eligibility rules, accepted company types, and important requirements, so you can decide whether BM Solutions’ latest offering is the right move for your property plans.
BM Solutions Limited Company BTL – Competitive Rates and Flexible Affordability
- Ltd Co BTL Purchase and Re-mortgage rates from 3.99% on launch
- Affordability calculations allow up to £154,000 borrowing per £1,000 of rent
This means many borrowers could access higher loan amounts compared to traditional criteria, potentially enabling larger or more profitable property investments.
Key Criteria Features of BM Solutions Limited Company Buy To Let Mortgages
- BM Solutions will provide mortgage lending for current home to be taken into Limited Company
- Allows borrower to potentially purchase new home with reduced stamp duty land tax
Accepted Limited Company Types (SPVs)
- Newly formed Limited Companies (registered with Companies House)
- These must be Special Purpose Vehicles (SPVs) that operate under one of the following SIC codes:
- 68209 – Other letting and operating of own or leased real estate
- 68100 – Buying and selling of own real estate
- 68320 – Management of real estate
- 68201 – Renting and operating of Housing Association real estate
Excluded Limited Company Types
BM Solutions will not lend to:
- Trading or layered companies
- Partnerships or Limited Liability Partnerships (LLPs)
- Companies with floating charges or debentures in place
- Companies registered outside of Great Britain
Important Director & Shareholder Requirements
- Each director/shareholder must act as guarantor for full amount
- Obtain independent legal advice on that guarantee
- Directors/shareholder to be prepared to undergo a soft credit search
- Directors/shareholder must each own UK property in own name
- No more than 4 directors/shareholders per application
- 100% of total shareholding must be held between the parties involved
- All directors and shareholders must reside in Great Britain
- Companies registered outside of Great Britain
BM Solutions Limited Company Buy To Let – Additional Requirements
- The Limited Company must have a business current account in its name to facilitate mortgage payments and fees
- BM Solutions must be informed in advance of any proposed changes to the company’s structure, directors, or shareholders
- The Lender’s underwriters can be expected to make addition checks for Directors/Shareholders with Limited buy to let experience
The launch of the BM Solutions Limited Company Buy to Let range is a welcome addition for borrowers looking to invest through an SPV structure. With competitive rates, generous affordability calculations, and clear criteria for accepted company types, it opens the door to new opportunities for both purchasing and remortgaging.
However, Limited Company Buy to Let mortgages come with specific requirements, especially around director guarantees, company structure, and eligibility. So, getting the right advice from the outset is essential.
If you’re considering transferring property into a Limited Company, starting a new SPV, or expanding your portfolio, we can help you explore whether BM Solutions’ offering is the right fit for your plans and guide you through the application process from start to finish.