When comparing Birmingham Midshires vs NatWest buy to let mortgages, UK landlords and property investors want to know which lender offers the best value, flexibility, and long-term support. Whether you’re expanding your portfolio or reviewing your existing deal in 2025, understanding the differences between these two leading buy-to-let lenders can help you make informed decisions. In this guide, we answer common questions landlords and brokers ask when weighing up Birmingham Midshires (BM Solutions) against NatWest for buy-to-let lending.
What is a Birmingham Midshires product transfer?
A Birmingham Midshires product transfer is when an existing BM Solutions customer switches to a new mortgage deal with the same lender, typically when their current fixed or tracker rate is about to end. This process is often quicker and more straightforward than a remortgage, as there’s usually no need for a full affordability assessment or property valuation. BM Solutions offers a range of competitive product transfer rates for landlords in 2025, and many brokers favour them for their simplicity and speed. If you’re considering staying with BM Solutions, a BM Solutions product transfer could be a cost-effective way to secure a new fixed rate without legal or valuation fees.
How do Birmingham Midshires and NatWest compare on buy-to-let mortgage rates?
Both Birmingham Midshires and NatWest offer competitive buy-to-let mortgage rates, but they cater to slightly different borrower profiles. BM Solutions, part of Lloyds Banking Group, is known for its straightforward criteria and attractive rates for portfolio landlords. In contrast, NatWest often appeals to landlords with smaller portfolios or those who prefer mainstream high street lenders. As of 2025, BM Solutions tends to offer slightly lower fixed rates, particularly on 2- and 5-year deals, while NatWest may be more flexible with property types and borrower income. Always compare the full cost of borrowing, including fees, and consider using a broker to assess which lender suits your investment strategy.
Can I remortgage from NatWest to Birmingham Midshires?
Yes, many landlords choose to remortgage from NatWest to Birmingham Midshires to take advantage of better rates or more favourable lending criteria. A Birmingham Midshires remortgage can be a strategic move, especially if you’re looking to release equity or consolidate your portfolio under one lender. BM Solutions is popular with portfolio landlords due to its streamlined underwriting and competitive rates. However, BM Solutions only operates through intermediaries, so you’ll need to work with a mortgage broker to access their products. A broker can help you assess whether switching from NatWest to BM Solutions is the right financial decision for your circumstances in 2025.
Which lender is better for portfolio landlords in 2025?
In 2025, Birmingham Midshires is often considered more portfolio-friendly than NatWest. BM Solutions has long catered to landlords with multiple properties, offering consistent lending criteria, dedicated broker support, and an efficient application process. They allow up to three applicants and assess affordability on a rental income basis, which suits landlords with complex income structures. NatWest also supports portfolio landlords but may have stricter stress testing and documentation requirements. If you manage four or more properties, BM Solutions may be the more straightforward option. However, NatWest could still be suitable depending on your income, property type, and long-term goals. A broker can help you compare both lenders based on your unique situation.
Are there any key differences in lending criteria between BM Solutions and NatWest?
Yes, there are several key differences in lending criteria between BM Solutions and NatWest. BM Solutions typically requires a minimum income of £25,000 (combined for joint applications), and they assess affordability based on rental income alone, without factoring in personal income. NatWest, on the other hand, may require a higher minimum income and often includes personal income in their affordability calculations. BM Solutions has a maximum portfolio size of 10 properties per applicant with them, while NatWest allows larger portfolios but may apply stricter stress testing. Property types are also a consideration—BM Solutions may be more restrictive on flats above commercial premises, while NatWest can be more flexible. Understanding these nuances is key when choosing the right lender.
How easy is it to switch from NatWest to a Birmingham Midshires mortgage?
Switching from NatWest to a Birmingham Midshires mortgage is relatively straightforward, especially if you work with a broker familiar with BM Solutions. The process involves a full remortgage application, including a property valuation and legal work. However, BM Solutions offers a smooth and efficient process through its broker-only platform, and many landlords find the transition worthwhile due to the potential savings and improved terms. If your current NatWest deal is ending in 2025, it’s worth reviewing BM Solutions’ latest rates and criteria. Keep in mind that BM Solutions doesn’t offer direct access to borrowers, so a qualified mortgage broker is essential to guide you through the switch.
Which lender offers better customer service for landlords?
Customer service experiences can vary, but many brokers and landlords report that Birmingham Midshires, via BM Solutions, offers a more streamlined and responsive service for buy-to-let customers. Their broker-only model means you’ll be working with a professional intermediary who can resolve issues quickly and liaise directly with the lender. NatWest, as a high street bank, offers direct customer service, which some borrowers prefer. However, this can sometimes mean longer wait times or less specialist knowledge compared to BM Solutions’ dedicated landlord focus. If you value hands-on support and a smoother process, especially for portfolio applications, BM Solutions may have the edge in 2025.
In conclusion, the choice between Birmingham Midshires vs NatWest buy to let mortgages depends on your portfolio size, income structure, and long-term investment goals. BM Solutions is often the go-to for experienced landlords seeking competitive rates and a broker-led process, while NatWest may suit those looking for a more traditional banking relationship. To explore your options further, browse our expert guides on Birmingham Midshires mortgage deals, BM Solutions product transfer options, and Birmingham Midshires remortgage solutions.