BM Solutions only lends through mortgage brokers. You cannot apply to them direct, so if you want a BM Solutions buy to let mortgage, or you already have one and your deal is ending, you need a broker to do it for you. That is where we come in.
BM Solutions is the buy to let brand of Birmingham Midshires, which is a division of Bank of Scotland and part of Lloyds Banking Group. It is one of the biggest buy to let lenders in the UK, and we place landlord clients with them regularly. We also compare them against the rest of the market, so you only go with BM Solutions if they are the right fit for you.
BM Solutions works only with mortgage intermediaries. They have no branches and no advisers of their own, and their website is built for brokers rather than landlords. As a broker we can:
Going through a broker also means you see the wider buy to let market. BM Solutions has competitive rates, but a specialist lender may suit you better if you have a limited company with a complex structure, an HMO or a holiday let. A good broker will tell you that rather than push one lender.
These are the main points from BM Solutions' published criteria for personal buy to let (checked October 2026). Lenders change criteria often, so we always check the latest position before we apply.
Like all buy to let lenders, BM Solutions wants the rent to be comfortably higher than the mortgage payment, and it takes your tax position into account. Where the rent falls a little short, it offers top slicing for higher earners, using personal income to cover the gap. Top slicing needs a minimum income of £100,000 and is not available for portfolio landlords, limited companies or let to buy.
You count as a portfolio landlord with BM Solutions if you have four or more mortgaged buy to let properties, including the new one. Portfolio landlords need a minimum income of £30,000 and the whole portfolio must stay within 75% loan to value overall, with an aggregate rental cover of 145% stressed at 5.5%. Across Lloyds Banking Group (including Halifax, Lloyds Bank, Bank of Scotland and Birmingham Midshires) you can have no more than 10 buy to let properties in total. Our portfolio landlord mortgages page explains how other lenders treat bigger portfolios.
BM Solutions offers a range of fixed and tracker rates for:
If you are thinking about renting out your current home, our let to buy mortgages page covers how it works. We do not quote rates on this page because buy to let rates move every week. Tell us about your property and we will give you today's figures.
If you already have a BM Solutions or Birmingham Midshires mortgage and your fixed rate is ending, you have two main options.
A product transfer means switching to a new rate with BM Solutions, with no new valuation and usually no legal work. If you are within the last three months of your current deal, the new product can start early and BM Solutions will waive the early repayment charge. You can also add a further advance if you want to raise money for repairs, a deposit on another property or other plans.
A remortgage moves your loan to a different lender. This can make sense if another lender has a better rate, lends more, or suits a change in your plans. We compare both routes side by side so you can see the real cost of each, including fees. Our guide to product transfers vs remortgages explains the pros and cons.
Either way, start looking about six months before your deal ends. If you do nothing, you will move onto the lender's variable rate, which is usually much higher.
We are a small, family run brokerage based in Romsey, and we arrange buy to let mortgages for first time landlords, people letting their old home and portfolio landlords. We look at the whole picture: the rent, your tax position, how the property is owned and what you want to do next, not just the rate.
If you are still deciding whether to invest, our guide Is buy to let still worth it? is a good place to start, along with our pages on buy to let costs and deposits and buy to let tax. For the full picture of how we help landlords, see our buy to let mortgages page.
No. BM Solutions only accepts applications from mortgage brokers. Existing customers can manage their account with Birmingham Midshires, but a new mortgage, remortgage or product transfer is usually arranged through a broker.
Yes. BM Solutions is the name Birmingham Midshires uses for its buy to let lending through brokers. Birmingham Midshires is a division of Bank of Scotland, part of Lloyds Banking Group.
Yes, as long as at least one applicant already owns a property in the UK. They do not lend to first time buyers who want to start with a buy to let.
Over 90% of our cases are fee free. Where a case is complex or involves adverse credit we may charge a fee of up to £995, and we always tell you before we start. Remortgages are always fee free.
Most buy to let mortgages are not regulated by the Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on your mortgage.
