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BM Solutions Mortgages

Find out about the range of buy-to-let mortgages offered by BM Solutions, plus how Trinity Financial can help you compare them with other specialist lenders and secure the right deal for your property investment strategy. BM Solutions is a broker-only lender, meaning new mortgage applications must be made through an authorised intermediary. The lender used to be called Birmingham Midshires.

Speak to an expert adviser about your buy-to-let mortgage options
Access to a wide range of specialist landlord lenders and intermediary-exclusive products
Experienced mortgage advisers helping landlords and property investors across the UK
Tailored advice for first-time landlords, portfolio investors and remortgage clients

Ready to explore your BM Solutions mortgage options?

Trinity Financial is an award-winning mortgage brokerage based in London, helping clients across the UK arrange buy-to-let mortgages suited to their circumstances. Trinity works with a broad panel of lenders, including BM Solutions, and can compare mortgage options across the market.

About BM Solutions mortgages

BM Solutions is the intermediary-only buy-to-let lending arm of Lloyds Banking Group. Originally part of Birmingham Midshires, BM Solutions has become one of the UK’s largest specialist buy-to-let lenders, offering mortgage products exclusively through mortgage brokers.

BM Solutions focuses primarily on buy-to-let mortgages for individual landlords, portfolio investors and certain limited company structures. The lender is well known in the intermediary market for competitive rates, efficient processing and strong support for landlords.

What types of mortgages does BM Solutions offer?

BM Solutions offers a range of specialist buy-to-let mortgage products, including:

Buy-to-let purchase mortgages
Buy-to-let remortgages
Product transfer mortgages
Further advance borrowing
Portfolio landlord mortgages
HMO mortgages on selected properties
Limited company buy-to-let mortgages in certain scenarios
Fixed-rate and tracker mortgage options

As BM Solutions is focused on the landlord market, it does not currently offer new residential mortgages.

Who can apply for a BM Solutions mortgage?

BM Solutions supports a wide range of landlord borrowers, including:

First-time landlords who already own a residential property
Experienced landlords with larger portfolios
Joint applicants
Some limited company/SPV borrowers
Landlords seeking remortgages or capital raising

Eligibility depends on affordability, rental coverage calculations, credit profile and property type.

How much can you borrow with BM Solutions?

The amount BM Solutions may lend depends on factors such as:

Rental income and stress testing
Deposit size and loan-to-value requirements
Personal income and affordability
Property type and investment strategy
Existing landlord portfolio exposure

BM Solutions commonly offers buy-to-let lending up to 75–80% loan-to-value, depending on the product and borrower profile.

Why use Trinity Financial for a BM Solutions mortgage?

Trinity Financial's mortgage brokers can help compare BM Solutions products with alternative lenders and identify the most suitable mortgage structure for your investment plans.

Their advisers can:

Compare BM Solutions rates with other buy-to-let lenders
Help structure portfolio landlord applications
Advise on affordability and rental calculations
Assist with remortgages and product transfers
Support limited company and specialist landlord cases
Manage the mortgage process from application through to completion

Can you get a BM Solutions mortgage with bad credit?

BM Solutions generally has relatively strict underwriting criteria compared with some specialist adverse credit lenders. Minor historic credit issues may still be considered in certain circumstances, but more serious adverse credit often requires alternative specialist lenders.

If you have concerns about your credit history, Trinity Financial can review other landlord mortgage options available across the market.

Does BM Solutions offer limited company buy-to-let mortgages?

BM Solutions has expanded into some limited company/SPV buy-to-let lending scenarios, although criteria can be more restrictive than certain specialist lenders. Lending policies may vary depending on property type, borrower experience and company structure.

BM Solutions mortgage FAQs

Can you apply directly to BM Solutions?

No. BM Solutions is an intermediary-only lender, so applications must be submitted through an authorised mortgage broker. Unless you are trying to do a product transfer.

Does BM Solutions normally have decent rates?

Yes. BM Solutions generally has very competitively priced fixed-rate buy-to-let mortgages with a range of low and higher arrangement fees.

Does BM Solutions lend to first-time landlords?

Yes, in some circumstances, particularly where the applicant already owns a residential property. Lending criteria and experience requirements will apply.

Does BM Solutions have a maximum mortgage loan size?

A £5,000,000 lending limit applies to all Buy To Let, Let To Buy, consent to let, second home loan, and House 2 House borrowing across the Retail division of Lloyds Banking Group.

The maximum loan available on individual properties is
- 65% loan-to-value between £1,000,000 and £2,000,000
- 75% loan-to-value up to £1,000,000
- 80% loan-to-value available for lending up to £350,000, including all fees, on EPC rated properties A-C.

Does BM Solutions offer HMO mortgages?

BM Solutions accepts certain HMO properties, although the criteria can be more restrictive than those of specialist HMO lenders. The maximum number of unrelated tenants is five. They must all be named on the agreement. It's the landlords' responsibility to make sure all legislation is complied with, including (but not restricted to) legislation relating to Tenancy Deposit schemes and HMOs.

How long does a BM Solutions mortgage application take?

Application timescales vary depending on valuation requirements, underwriting complexity and portfolio size. Product transfers are often completed more quickly than full remortgage applications.