If you’re a UK landlord or homeowner wondering, does BM Solutions still offer mortgages?, you’re not alone. BM Solutions, the buy-to-let arm of Birmingham Midshires, remains a key player in the UK mortgage market in 2025. Whether you’re looking to remortgage, switch rates, or explore buy-to-let options, understanding what BM Solutions currently offers is essential. With decades of experience supporting landlords and brokers, BM Solutions continues to provide competitive lending solutions via intermediaries.
Is BM Solutions still lending in 2025?
Yes, BM Solutions is still actively lending in 2025. As the intermediary-only lending brand of Birmingham Midshires, BM Solutions focuses on buy-to-let mortgages for landlords across the UK. While you can’t apply directly as a borrower, authorised mortgage brokers can access BM Solutions products on your behalf. The lender continues to offer a range of fixed and tracker rate deals, including options for portfolio landlords. If you’re an existing customer, you may also be eligible for a BM Solutions product transfer to secure a new rate without switching lenders.
What is a Birmingham Midshires product transfer?
A Birmingham Midshires product transfer allows existing mortgage customers to switch to a new deal with the same lender, typically when their current fixed or tracker rate is ending. This process is often quicker and more straightforward than a full remortgage, as there’s no need for a new property valuation or legal work. If you’re on a BM Solutions mortgage, your broker can help you explore current product transfer rates and secure a new deal before you revert to the lender’s standard variable rate. Learn more about how a BM Solutions product transfer could benefit you in 2025.
Can I get a new mortgage with Birmingham Midshires?
New Birmingham Midshires mortgages are still available in 2025, but only through BM Solutions and exclusively for buy-to-let borrowers. BM Solutions does not offer residential mortgages or accept direct applications from the public. If you’re a landlord seeking a new buy-to-let mortgage, you’ll need to work with an authorised mortgage broker who has access to BM Solutions products. Whether you’re purchasing a new rental property or refinancing an existing one, your broker can help you find a suitable Birmingham Midshires mortgage that fits your investment goals.
How do I remortgage with Birmingham Midshires?
If you’re an existing BM Solutions customer, you can remortgage internally through a product transfer. However, if you’re looking to switch from another lender to Birmingham Midshires, you’ll need to go through a broker who can assess your eligibility for a new BM Solutions buy-to-let mortgage. The Birmingham Midshires remortgage process typically involves a full application, property valuation, and legal conveyancing. BM Solutions offers competitive remortgage products, often with free valuation and legal fees, making them attractive to landlords looking to reduce costs and secure better rates in 2025.
Who can apply for a BM Solutions mortgage?
BM Solutions mortgages are available to UK-based landlords applying through a registered mortgage broker. The lender caters to both individual landlords and those with limited company structures. To qualify, you’ll typically need a minimum income (excluding rental income), a good credit history, and a property that meets BM Solutions’ criteria. Portfolio landlords—those with four or more mortgaged properties—must also meet additional requirements. If you’re unsure whether you qualify, a broker can assess your circumstances and help you apply for a suitable Birmingham Midshires mortgage.
Is BM Solutions good for portfolio landlords?
Yes, BM Solutions is well-regarded among portfolio landlords for its consistent lending criteria and competitive rates. In 2025, the lender continues to support landlords with four or more mortgaged properties, offering tailored underwriting and portfolio assessment. BM Solutions also allows up to three applicants per mortgage and accepts a wide range of property types. If you manage multiple rental properties, your broker can help you navigate the application process and find the right mortgage product to suit your portfolio strategy. A Birmingham Midshires remortgage or product transfer could also help you optimise your existing deals.
Can I switch my BM Solutions mortgage rate?
Yes, if you’re an existing customer, you can switch to a new rate through a BM Solutions product transfer. This allows you to avoid reverting to the standard variable rate at the end of your current deal. Product transfers are typically available up to three months before your current rate ends and can be arranged through your broker. There are usually no legal fees or valuations required, making it a cost-effective way to manage your mortgage. To explore current rates and eligibility, speak to your broker about a BM Solutions product transfer.
In summary, BM Solutions continues to offer competitive mortgage solutions in 2025 for UK landlords via intermediaries. Whether you’re interested in a new Birmingham Midshires mortgage, a Birmingham Midshires remortgage, or a BM Solutions product transfer, expert advice from a broker can help you make the right move. For more information, explore our latest guides and tools to stay ahead in the 2025 mortgage market.