If you’re a UK landlord or homeowner exploring your mortgage options in 2025, you may be wondering: Are BM Solutions part of Lloyds Bank? Understanding how BM Solutions fits into the wider mortgage landscape is key to making informed decisions, especially if you’re considering a Birmingham Midshires mortgage or looking into product transfers and remortgages. In this guide, we’ll answer some of the most common questions about BM Solutions, their relationship with Lloyds Bank, and what this means for your mortgage strategy.
Are BM Solutions part of Lloyds Bank?
Yes, BM Solutions is a trading name of Bank of Scotland, which is part of the Lloyds Banking Group. This means BM Solutions operates under the umbrella of one of the UK’s largest and most established financial institutions. While BM Solutions itself does not offer mortgages directly to the public, it provides specialist buy-to-let mortgage products exclusively through intermediaries and mortgage brokers. This connection to Lloyds Bank gives borrowers added confidence in the financial stability and regulatory oversight behind BM Solutions. Whether you’re a landlord looking for a competitive buy-to-let deal or a broker seeking reliable lender options, BM Solutions benefits from the infrastructure and reputation of Lloyds Banking Group.
What types of mortgages does BM Solutions offer?
BM Solutions specialises in buy-to-let mortgages for landlords and property investors. They do not offer residential mortgages for owner-occupiers. Their product range includes purchase and remortgage deals, as well as options for limited company landlords. BM Solutions is known for its straightforward criteria, competitive rates, and efficient service for intermediaries. Many landlords choose BM Solutions for their consistency in underwriting and their long-standing presence in the buy-to-let market. If you’re considering a Birmingham Midshires remortgage or looking to expand your portfolio in 2025, BM Solutions could be a strong option through your broker.
How is BM Solutions different from Birmingham Midshires?
While both BM Solutions and Birmingham Midshires are part of the Lloyds Banking Group, they serve different segments of the mortgage market. BM Solutions focuses on new buy-to-let lending through brokers, whereas Birmingham Midshires primarily manages existing mortgage accounts. If you already have a mortgage with Birmingham Midshires, you may be eligible for a BM Solutions product transfer. In essence, BM Solutions is the intermediary-facing brand for new buy-to-let business, while Birmingham Midshires handles the servicing of legacy and existing mortgages. Both brands benefit from the backing of Lloyds Banking Group, offering security and continuity for borrowers.
Can I switch my Birmingham Midshires mortgage to a new BM Solutions deal?
If you have an existing mortgage with Birmingham Midshires, you may be eligible for a product transfer, which allows you to switch to a new rate without changing lenders. This process is often referred to as a BM Solutions product transfer, even though the mortgage remains under the Birmingham Midshires brand. These transfers are typically available to borrowers nearing the end of their fixed-rate period and can offer a simple way to avoid moving onto a higher standard variable rate. Speak to your broker or mortgage adviser to explore your eligibility and the latest rates available for 2025.
Do I need to go through a broker to access BM Solutions mortgages?
Yes, BM Solutions only distributes its mortgage products through authorised mortgage brokers. You cannot apply directly as a borrower. This intermediary-only model ensures that borrowers receive professional advice tailored to their circumstances. Brokers can help you navigate the criteria, compare rates, and submit your application efficiently. If you’re a landlord looking for a new buy-to-let mortgage in 2025, working with a broker who has access to BM Solutions could open up competitive and flexible lending options. It’s also worth noting that many brokers have long-standing relationships with BM Solutions, which can help streamline the process.
Is BM Solutions a good choice for landlords in 2025?
BM Solutions remains a popular choice among UK landlords in 2025 due to its consistent lending criteria, competitive rates, and efficient service model. Backed by Lloyds Banking Group, it offers financial stability and a trusted reputation. Whether you’re purchasing a new rental property or looking to remortgage, BM Solutions offers a range of buy-to-let products tailored to both individual and limited company landlords. Their focus on intermediary-only distribution means you’ll benefit from expert advice when applying. For those already with Birmingham Midshires, a Birmingham Midshires remortgage or product transfer may also be available, helping you secure a better rate without switching lenders.
What is a Birmingham Midshires product transfer?
A Birmingham Midshires product transfer allows existing customers to switch to a new fixed or tracker rate without changing lenders. This is often a straightforward process that avoids the need for a full mortgage application, property valuation, or legal work. Many borrowers choose this option when their current deal is ending to avoid moving onto the standard variable rate. In 2025, product transfers continue to be a popular way for landlords and homeowners to manage their mortgage costs efficiently. If you’re nearing the end of your current deal, speak to your broker about the latest BM Solutions product transfer options available to you.
In conclusion, BM Solutions is indeed part of Lloyds Banking Group and plays a key role in the UK’s buy-to-let mortgage market. Whether you’re an experienced landlord or just starting out, understanding how BM Solutions and Birmingham Midshires work together can help you make smarter mortgage decisions. Explore our full range of guides on Birmingham Midshires mortgage options to stay informed and confident in 2025.
