Switch Your Existing BM Mortgage Without the Hassle
If you already have a Birmingham Midshires (BM Solutions) mortgage, you don’t need to go through the stress of a full remortgage to get a better rate. When your current fixed rate ends, your mortgage will automatically move onto the BM variable rate, which is usually much higher.
Instead, you can switch to a new Birmingham Midshires deal quickly and easily – often with no credit checks, no legal work, and no valuation needed.
✅ Keep your mortgage with BM Solutions
✅ Secure a new fixed or tracker rate before your old deal ends
✅ Avoid moving onto the costly variable rate
✅ Simple process – usually approved instantly
Why Switch Your Birmingham Midshires Mortgage?
- Save Money on Monthly Payments
Protect yourself from paying more than you need to by moving to a new fixed rate. - No Legal Fees or Hidden Costs
Unlike remortgaging, BM product transfers don’t require solicitors, valuations, or new paperwork. - Flexible Options
Choose between different fixed-rate terms and repayment types that suit your needs. - Fast & Easy Approval
Switching to a new BM deal is usually confirmed immediately online.
How the BM Mortgage Switch Works
- Check Your Current Deal
Most BM fixed-rate customers can switch up to 3 months before their deal ends. - Compare New BM Rates
We’ll show you the latest BM Solutions product transfer rates. - Pick the Best Option
Choose a deal that fits your plans – shorter fixes for flexibility or longer terms for stability. - Secure Your New Deal Online
The switch is simple, quick, and doesn’t usually involve extra checks.
Who Can Switch?
You can apply for a Birmingham Midshires product transfer if:
- You’re an existing BM Solutions customer.
- Your current fixed or tracker rate is ending soon (or already ended).
- Your mortgage payments are up to date.
Even if you’re a buy-to-let landlord with multiple BM properties, you can usually switch each mortgage individually to secure better rates.
Benefits of Using a Broker for Your BM Mortgage Switch
While you can go directly to Birmingham Midshires, using a broker ensures you:
- See the full range of BM Solutions switch rates.
- Get guidance on whether sticking with BM or remortgaging elsewhere is best.
- Have support with the process, making it stress-free.
We’re specialists in Birmingham Midshires product transfers and can help you lock in a new rate before your current deal expires.
Frequently Asked Questions
Do I need a solicitor to switch my BM mortgage?
No – product transfers don’t require legal work, unlike remortgages.
Will BM Solutions check my credit file again?
Usually no – switching is based on your existing mortgage with BM.
Can landlords with multiple BM mortgages switch them?
Yes – each mortgage can be switched individually, with no impact on others.
When should I apply for a new BM deal?
You can secure a new rate up to 90 days before your current deal ends.
Get Your New Birmingham Midshires Mortgage Deal Today
Don’t pay more than you need to. If your BM fixed rate is ending soon, now is the time to switch.
We’ll help you:
- Compare all available BM product transfer rates
- Secure your new deal before your old one ends
- Avoid moving onto BM’s costly standard variable rate
👉 Check Your New BM Mortgage Rate Today