So many buy to let borrowers get frustrated because BM Solutions will only allow them to have 3 buy to let mortgages. However, now they have removed their minimum income requirements, this criteria is very easy to overcome for many borrowers.
The answer is to own the properties in your individual names. That way a couple can have three mortgages with BM Solutions each. Hey presto, that’s six mortgages with BM Solutions.
The are also many other advantages of owning the properties in individual as opposed to joint names. For details of this see my Landlord Tax Strategy.
If you would like to discuss further borrowing strategies why not have a chat with my business Partner, Neil Patterson. His contact details are npatterson@property118.com or you can call him on 01603 489 118. 
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We have received four questions from one of our readers as the final date for submission on-line of 2011-12 tax return looms asking:
Here at Property118 we constantly share ideas to help UK Landlords to reduce your costs and maximise your returns. These are our austerity tips for 2013, each section is linked to the relevant page of our website where you can find out more and make contact with the providers of products and services we currently recommend. Links are in slightly larger bold text, blue in colour and underlined. 
Landlords who have failed to pay tax on the sale or buy to let rents face extra scrutiny from a new HM Revenue & Customs tax force.
