If you’re a UK landlord or homeowner wondering, is Birmingham Midshires still lending?, you’re not alone. With changes in the mortgage market and lender criteria evolving, many borrowers are keen to understand whether Birmingham Midshires (BM Solutions) remains active in 2025. The good news is that Birmingham Midshires continues to support landlords through its intermediary-only lending arm, BM Solutions. Whether you’re looking to switch deals, remortgage, or explore buy-to-let options, BM Solutions remains a trusted name in the UK mortgage market.
Is Birmingham Midshires still lending in 2025?
Yes, Birmingham Midshires is still lending in 2025, but only through intermediaries under the BM Solutions brand. While Birmingham Midshires no longer offers new residential mortgages directly to the public, it remains a key player in the buy-to-let sector. BM Solutions, part of Lloyds Banking Group, provides mortgage products exclusively through brokers, catering to landlords and property investors. If you already have a Birmingham Midshires mortgage, you can still access product transfers or remortgage options via a qualified broker. BM Solutions continues to offer competitive rates and flexible criteria, making it a popular choice for portfolio landlords and first-time investors alike.
What is a Birmingham Midshires product transfer?
A Birmingham Midshires product transfer allows existing customers to switch to a new mortgage deal without changing lenders. If your current BM Solutions mortgage is coming to the end of its fixed or tracker period, you can choose from a range of new deals offered by BM Solutions. This process is typically quicker and involves less paperwork than a full remortgage. A BM Solutions product transfer can help you avoid moving onto the lender’s standard variable rate (SVR), which is usually higher. It’s important to speak with a mortgage broker who can access BM Solutions’ latest rates and help you find the most suitable option for your circumstances.
Can I remortgage with Birmingham Midshires in 2025?
Yes, you can remortgage with Birmingham Midshires in 2025, but only through a broker. If you’re an existing BM Solutions customer, you may be eligible for a product transfer. However, if you’re looking to switch from another lender to BM Solutions, your broker can help you explore Birmingham Midshires remortgage options. BM Solutions specialises in buy-to-let remortgages, offering competitive fixed and tracker rates for individual landlords and limited companies. Keep in mind that eligibility criteria apply, including minimum rental coverage and property value. A broker will assess your situation and recommend the most suitable route, whether that’s a remortgage or internal product switch.
Are Birmingham Midshires rates competitive for landlords?
BM Solutions remains one of the most competitive lenders for UK landlords in 2025. Their mortgage products are designed specifically for the buy-to-let market, with a range of fixed and tracker rate options. BM Solutions often features on broker best-buy tables due to its attractive interest rates, flexible lending criteria, and streamlined application process. They also offer products for portfolio landlords, limited companies, and Houses in Multiple Occupation (HMOs). To access BM Solutions rates, you’ll need to go through a mortgage broker, as the lender does not deal directly with the public. Your broker can help you compare current BM Solutions deals with other lenders to ensure you’re getting the best value.
Can I get a buy-to-let mortgage with BM Solutions as a limited company?
Yes, BM Solutions offers buy-to-let mortgages for limited companies, which is ideal for landlords looking to grow their portfolio in a tax-efficient way. In 2025, many landlords are choosing to hold properties within a limited company structure to benefit from potential tax advantages. BM Solutions has tailored products for Special Purpose Vehicles (SPVs), with clear lending criteria and competitive rates. However, limited company applications can be more complex, so working with an experienced broker is essential. Your broker will help ensure your SPV is correctly set up and that your application meets BM Solutions’ requirements. This can include providing company accounts, director guarantees, and evidence of rental income.
How do I access Birmingham Midshires mortgage deals?
To access Birmingham Midshires mortgage deals, you’ll need to work with a mortgage broker. BM Solutions does not offer mortgages directly to the public; instead, it operates through a network of approved intermediaries. Your broker will have access to the full range of BM Solutions products and can help you find the most suitable deal based on your property type, income, and investment goals. Whether you’re looking for a Birmingham Midshires mortgage for a new purchase or a remortgage, your broker will guide you through the process, including affordability checks, documentation, and application submission.
What types of properties does BM Solutions lend on?
BM Solutions lends on a wide range of property types suitable for buy-to-let purposes. This includes standard residential houses and flats, HMOs (Houses in Multiple Occupation), and multi-unit freehold blocks (MUFBs). They also cater to limited company landlords and portfolio investors. However, there are some restrictions — for example, BM Solutions typically avoids lending on new-build flats, properties above commercial premises, or those with non-standard construction. Your broker will be able to confirm whether your property meets BM Solutions’ lending criteria and help you prepare your application accordingly. Their flexible approach makes them a popular choice among experienced landlords and growing portfolios.
In summary, if you’re asking, is Birmingham Midshires still lending?, the answer is a confident yes. Through BM Solutions, they continue to offer competitive buy-to-let mortgages and product transfers in 2025. Whether you’re an existing customer or exploring new opportunities, it’s worth speaking with a broker to learn more about your options. For more information, browse our guides on Birmingham Midshires mortgage options, BM Solutions product transfers, and Birmingham Midshires remortgage deals.
