It was hugely important to us to have the right technology in place from the launch date.

We needed to make the whole application-to-offer (and completion) process easy, functional and quick. And that took time to plan, design and test.

Brokers can get an instant decision in principle (DIP) on limited company business and, providing everything is accurate (subject to valuation and underwriting), feel confident that DIP will move to offer.

We use API technology (which allows different systems to talk to each other) to pull in limited company data directly from Companies House, so it pre-populates the application form with just the company number.

Our technology doesn’t just work well, it feels easy to use and familiar. That’s because everything about the limited company process, including the way it looks and feels, has been designed to match the existing BM Solutions system.

We know that limited company lending can often take longer than standard buy-to-let, but not with BM. You won’t need to wait weeks for a limited company offer, as we are working on the same timescales as our standard buy-to-let business.

An accurately keyed application with the right supporting documentation will usually be underwritten in days, not weeks. So you and your clients can experience the speed and ease you already associate with BM, but now on limited company lending.

You want certainty when you submit a case and, while an offer can’t be guaranteed, we have designed our system so that you can have confidence in your DIP.

We ask for all the details we need to underwrite upfront – and many will be pre-populated straight from Companies House – so that when you get the immediate DIP, you can be confident about getting the offer.

As long as the information you input is both accurate and complete, and subject to valuation and credit checks, the DIP will move to offer.

As the home of buy-to-let, BM offers competitive products across a broad swathe of the buy-to-let market, including smaller and larger portfolio landlords. Our limited company range of products takes the same approach, with competitive rates, transparent terms and criteria and the exact same fees as our standard products.

Our business development managers (BDMs) are already experts in buy-to-let lending, and they’ve all had extra training in our limited company proposition, including taking a professional specialist qualification.

They also know our technology inside out and can walk you through the application process if you need help.

In addition, we’ve ring-fenced a team of limited company experts to work exclusively on these cases, over the phone, via email and on webchat. We’ve designed our proposition to be straightforward, plus we’re here if you need us.

We’ve taken time to get it right with limited company lending, and it doesn’t stop with the launch. As with all of our products and processes, we’ll keep on testing, tweaking and improving by proactively seeking broker feedback about our proposition.

Our tech-driven limited company lending has been designed to be simple to use and deliver quick decisions you can have confidence in.

Limited company lending doesn’t need to be complex. BM makes it easy.

For the use of mortgage intermediaries and other professionals only.

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