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BM Solutions mortgages comparison

BM Solutions specialises in buy-to-let and let-to-buy mortgages. Find out if they have a mortgage that could be suitable for you.

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By

Matthew Boyle

Updated

Fact checked

BM Solutions is a subsidiary of the Lloyds Banking Group that deals with services for mortgage intermediaries, landlords and other professionals. They are known for their buy-to-let schemes, which have been running since the company’s formation in the 1980s.

BM Solutions buy-to-let mortgage rates

1 - 7 of 88
Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Birmingham Midshires Solutions 30/09/2025 Fixed
Birmingham Midshires Solutions 30/09/2025 Fixed
4.24% fixed until 30/09/2025
8.84% variable
50%
8.3% APRC
View details
Birmingham Midshires Solutions 30/09/2025 Fixed
Birmingham Midshires Solutions 30/09/2025 Fixed
4.24% fixed until 30/09/2025
8.84% variable
50%
8.3% APRC
View details
Birmingham Midshires Solutions 30/09/2025 Fixed
CASHBACK
Birmingham Midshires Solutions 30/09/2025 Fixed
4.24% fixed until 30/09/2025
8.84% variable
50%
8.3% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Birmingham Midshires Solutions 30/09/2025 Fixed
CASHBACK
Birmingham Midshires Solutions 30/09/2025 Fixed
4.24% fixed until 30/09/2025
8.84% variable
50%
8.3% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Birmingham Midshires Solutions 30/09/2025 Fixed
Birmingham Midshires Solutions 30/09/2025 Fixed
4.34% fixed until 30/09/2025
8.84% variable
65%
8.4% APRC
View details
Birmingham Midshires Solutions 30/09/2025 Fixed
CASHBACK
Birmingham Midshires Solutions 30/09/2025 Fixed
4.34% fixed until 30/09/2025
8.84% variable
65%
8.4% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Birmingham Midshires Solutions 30/09/2025 Fixed
Birmingham Midshires Solutions 30/09/2025 Fixed
4.34% fixed until 30/09/2025
8.84% variable
65%
8.4% APRC
View details
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Overall representative example
If you borrow £178,000 over a 25-year term at 4.56% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £995.45 and 240 monthly payments of £1261.11. The total payable would be £362,773.40, which includes the interest of £184,393, valuation fees of £0 and a product fee of £0. The overall cost for comparison is 6.4% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

What types of mortgages can I get with BM Solutions?

A buy-to-let mortgage allows you to borrow money to purchase a second property and let it out.

  • Let-to-buy

A let-to-buy mortgage allows you to purchase a new property to live in yourself, while keeping hold of your current property to let out.

How to apply

You can apply online or get more information by calling 0345 850 5000.

A service on the BM Solutions website allows you to receive a decision regarding a mortgage application in less than one minute, as well as store, track and amend multiple applications.

What information is needed to apply?

As well as personal information, you’ll need to supply full details about your income, outgoings, address history and property portfolio.

Eligibility criteria

Applicants must be aged 25 or over. They must be no older than 74 when they apply, nor older than 79 when their mortgage term is due to end. There is no official minimum income, although this will be considered as part of the underwriting process.

The income stress rate for basic rate taxpayers is 125% at 5.5%.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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