BM Solutions Limited Company BLT

BM Solutions, also known as Birmingham Midshires, has officially launched its BM Solutions limited company BTL mortgage, and it’s a game-changer for landlords across the UK.

Previously known for offering buy-to-let mortgages to individual landlords, BM Solutions’ entry into the SPV lending space now positions them alongside big names like The Mortgage Works and Leeds Building Society. For limited company landlords, this means more choice, better competition, and access to a trusted, mainstream lender.

What Is a BM Solutions Limited Company BTL Mortgage?

A BM Solutions Limited Company BTL mortgage is a buy-to-let product specifically designed for landlords borrowing through a Special Purpose Vehicle (SPV), a limited company set up solely to hold and manage property.

From July 2025, landlords operating via limited companies with the correct SIC codes can now apply for BM Solutions buy-to-let mortgages through their broker network. This is a significant move that opens up access to a wide pool of property investors seeking the tax and planning advantages of incorporation.

Key Features of BM Solutions SPV Buy-to-Let Mortgages

If you’re considering applying for a Birmingham Midshires limited company BTL mortgage, here’s what you need to know:

✅ Only available via brokers (like Pinpoint Finance)

✅ SPV structure required, with one of the following SIC codes:

• • 68100 – Buying and selling of own real estate

  • 68209 – Letting and operating of own or leased real estate

  • 68320 – Property management

✅ Personal guarantees are required from all directors

✅ Standard SPV setup only (no trading companies)

This move puts BM Solutions BTL through a limited company on a par with long-standing SPV lenders and opens up better options for portfolio landlords who prefer limited company borrowing.

Why the Birmingham Midshires Limited Company Buy to Let Launch Matters

Birmingham Midshires, operating as BM Solutions, has long been a trusted name in the personal name BTL mortgage market. Now, with their launch into the limited company buy-to-let space, they’re offering something landlords have been asking for, more mainstream options for SPV lending.

This launch marks a major shift in the landscape. It confirms what many of us in the industry have known for years: limited company BTL is no longer a niche strategy, it’s now firmly part of the mainstream.

BM Solutions Joins TMW, Leeds, as a Mainstream SPV Lender

Until now, SPV mortgages were mainly handled by specialist or semi-specialist lenders. But that’s changing fast.

With the BM Solutions Limited Company BTL launch, the lender is now sitting shoulder to shoulder with the likes of The Mortgage Works and Leeds Building Society. This means:

• More competition in pricing

• More accessible criteria

• More opportunities to grow your portfolio in a limited company

If you’ve been waiting for a mainstream, high-volume lender to back your SPV plans — this is it.

Who Should Consider a Limited Company BTL Mortgage?

If you’re a landlord who:

• Wants to offset mortgage interest against profits

• Is building a long-term portfolio

• Is a higher-rate taxpayer

• Already owns (or plans to buy) property via an SPV

Then, a BM Solutions limited company buy-to-let mortgage could offer the perfect fit.

Not sure if an SPV is right for you? Read our page on Limited Company Buy-to-Let mortgages here.

Update: New BM Solutions Age Criteria

BM Solutions has now increased the BTL maximum age to 99, giving landlords far more flexibility with Buy to Let mortgage terms and refinancing later in life.
You can read our full overview of the new criteria here:

👉 https://pinpoint.finance/btl-maximum-age-99/

How Pinpoint Finance Can Help You Secure a BM Solutions Ltd Co BTL

At Pinpoint Finance, we specialise in buy-to-let mortgages, including BM Solutions BTL through limited companies. We can:

• Help you check if your SPV is eligible

• Compare BM Solutions’ new rates to other SPV lenders

• Handle the application from start to finish, with no faff

Whether you’re looking to remortgage an existing SPV or buy your next property tax-efficiently, we’ll help you explore your options and get the best deal available.

Frequently Asked Questions

Can I get a BM Solutions BTL mortgage through my limited company?
Yes — as long as your company is an SPV with one of the accepted SIC codes and all directors provide personal guarantees.

Is BM Solutions the same as Birmingham Midshires?
Yes — BM Solutions is the intermediary brand of Birmingham Midshires, part of Lloyds Banking Group.

What’s better: Ltd company or personal name for BTL?
It depends on your tax position, income strategy, and portfolio plans. Speak to a tax adviser to assess what’s right for you.

Speak to a Broker About BM Solutions Limited Company Buy to Let Mortgages

Ready to explore limited company buy-to-let with BM Solutions? We’re here to help you understand the criteria, compare your options, and make confident decisions.

📞 Call us on 01904 866100
📧 Email: [email protected]
📅 Book a free consultation

No faff. Just finance that works for landlords like you.

Do you have a BM Solutions mortgage to switch? We can help with our free Birmingham Midshires Product Transfer Service – here: