Switch Your Birmingham Midshires Deal in Minutes.
Fee-free product transfers with a specialist BM Solutions adviser — fast, compliant, and hassle-free.
- No broker fee. Our advice and processing is completely free for BM Solutions product transfers.
- Often no valuation or legal work needed. A simple switch means less paperwork and delay.
- Switch up to 6 months early. Secure your new rate before your current deal ends (subject to lender policy).
BM Solutions is the buy-to-let brand of Lloyds Banking Group. We are an independent specialist adviser and not part of BM Solutions or Lloyds Banking Group.
A Simple, Compliant 3-Step Process
We’ve streamlined the product transfer process to make it as quick and effortless for you as possible.
Tell us about your BM account
Complete our short form with your details. This gives us the key information needed to identify your mortgage account and eligibility.
We check eligible products
Your dedicated adviser will review the exclusive product transfer rates available from BM Solutions and recommend the most suitable option for your circumstances.
Sign & switch
We handle the application and paperwork. You simply review and digitally sign the lender’s documents to secure your new rate. It’s that easy.
Why Consider Switching Early?
Many landlords start looking for a new deal up to 6 months before their current rate expires. Locking in a new product transfer rate in advance can provide peace of mind and protect you from reverting to the lender’s higher Standard Variable Rate (SVR).
- Avoid SVR Shock: The SVR is typically much higher than available fixed or tracker rates. A timely switch ensures you move seamlessly to your new, lower rate.
- Certainty in a Changing Market: Secure a competitive rate months in advance. If rates rise, you’re protected. If they fall, you can often switch to a better deal before your new rate starts (subject to lender policy).
- Stress-Free Process: With no need to rush, we can handle the switch at your convenience, ensuring all compliance checks are completed well ahead of your deadline.
Please note: The ability to secure a rate in advance and specific timelines are determined by BM Solutions’ policy at the time of application.
Expert Guidance
More Than Just a Rate Switch
During your product transfer, we can also explore other changes to your mortgage if your circumstances require it.
Product Transfer
The core service: switching your existing borrowing to a new rate with BM Solutions to avoid reverting to the SVR.
Change of Repayment Type
We can help you apply to switch from Interest-Only to Capital & Repayment, or vice-versa, subject to lender criteria.
Transfer of Equity
Assistance with the process of adding or removing a person from the property deeds and mortgage account.
Further Advance / Additional Borrowing
If you need to raise capital for home improvements or other purposes, we can explore further advance options with BM Solutions for you.
Frequently Asked Questions
A product transfer (or rate switch) is when you get a new mortgage deal with your existing lender, BM Solutions. A remortgage is when you move your entire mortgage to a completely new lender. Product transfers are often faster and cheaper as they typically don’t require new legal work or valuations.
We do not charge a broker fee for a straightforward BM Solutions product transfer. The lender may charge a product fee for the new deal, which can often be added to the loan. We will always make any lender fees clear to you.
A product transfer is very quick. Once we have your information and you have chosen a new rate, we can often submit the application and receive the mortgage offer on the same day. The new rate will then start automatically when your old one expires.
For most standard product transfers, BM Solutions does not require a new property valuation or the involvement of solicitors. This is one of the key benefits that makes the process so fast and cost-effective. We will confirm if this applies in your case.
Absolutely. We are specialists in portfolio BTL finance. We can review your entire portfolio and help you switch rates on multiple BM Solutions mortgages, ensuring the process is managed efficiently.
Yes. We are experienced in arranging product transfers for properties held in Limited Company structures and for complex property types like Houses in Multiple Occupation (HMOs) and Multi-Unit Freehold Blocks (MUFBs).