Limited Company Mortgages
with BM Solutions

BM Solutions traditionally lends to individual landlords, but limited company applications may be possible through select intermediaries. BMI Money can advise on the best route — whether via BM Solutions or a similar product from another lender in their group.

A limited company allows you to claim full mortgage interest relief and manage profits more tax-efficiently, particularly if you’re a higher-rate taxpayer.

Not directly — you’ll usually need to sell the property to your company, triggering potential stamp duty and capital gains implications. BMI Money can help you understand the full picture before making a move.

BM Solutions generally requires landlords to be UK residents, own no more than 25 properties, and meet minimum income and rental coverage requirements. Criteria vary depending on portfolio size and experience.

Rates change frequently. BM Solutions often offers competitive tracker and fixed rates, but for limited company structures, alternatives such as Aldermore, Foundation Home Loans, or Landbay may also be worth comparing. BMI Money will do this for you.

Yes — your limited company should have its own business bank account for clarity in accounting and mortgage transactions.

Yes. Most lenders, including BM Solutions’ associated schemes, allow multiple directors/shareholders, provided they all meet eligibility and credit requirements.

You’ll typically need your company incorporation certificate, memorandum and articles, business bank statements, property portfolio schedule, and personal income evidence.

Absolutely. We frequently help existing BM Solutions customers remortgage, release equity, or review their structure to improve tax efficiency.

Simply contact Bright Money Independent today for a free, no-obligation consultation. We’ll check your eligibility and guide you on the best BM Solutions or equivalent lender options for your limited company.