BM Solutions Buy-to-Let Mortgages & Transfers
We can review BM Solutions Buy-to-Let products available through our panel, including product transfers for existing landlord customers, alongside relevant panel alternatives.
Getting a Mortgage with BM Solutions
As a dedicated Buy-to-Let lender (part of the Lloyds Banking Group), BM Solutions offers a highly competitive range of BTL and Let-to-Buy products. If you're an existing customer, we can secure a BM Solutions product transfer (rate switch) for your portfolio, often with no legal fees or valuation needed. But before you lock in, we'll check if another lender could save you more money.
- Review of BM Solutions Buy-to-Let products available through our panel
- Hassle-free product transfers for existing BM Solutions customers
- We compare BM Solutions against 80+ other UK lenders
- Top-slicing and portfolio landlord expertise
- free initial mortgage advice
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Your home may be repossessed if you do not keep up repayments on your mortgage.
BM Solutions Product Transfers
If your current BM Solutions mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage, which is especially useful for landlords wanting to minimise costs. We can arrange this for you while also checking if switching to a new lender would be cheaper.
Buy-to-Let & Portfolio Landlords
BM Solutions provides various options for landlords, including flexible rental cover requirements and options for portfolio landlords. We can help you navigate their specific lending criteria and prepare an application that reflects your circumstances.
Why Use a Broker for BM Solutions?
BM Solutions is an intermediary-only lender, meaning you cannot go to them directly. By using us, you get access to BM Solutions' deals plus the Buy-to-Let products available through our comprehensive panel of 80+ lenders via Primis. We handle the paperwork, chase the lender, and help you assess the costs and suitability of the available options.
BM Solutions at a glance
Part of Lloyds Banking Group. Established 1997. Headquartered in Edinburgh. FCA firm reference number 169628 · broker-only lender.
Specialties
- Dedicated Buy-to-Let and Let-to-Buy lender
- Portfolio landlord lending (4+ properties)
- Top-slicing using surplus personal income
- Houses in Multiple Occupation (HMOs) considered
Lending criteria highlights
- Min income: £25,000 (top-slicing requires evidenced surplus)
- Max LTV: 75% BTL
- Max age at term end: 80 (BTL term end)
- Min loan: £25,001
- Max loan: £1m per property
Where BM Solutions shines
- Broker-only — brokers know criteria intimately
- Top-slicing helps landlords with lower-yielding properties
- Portfolio landlords supported to 10 properties
Watch-outs
- Not available direct to consumers
- No residential lending — BTL only
- Source
- BM Solutions lender or intermediary information, FCA Register records and adviser research
BM Solutions does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.
Sources & further reading
These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.
BM Solutions Buy-to-Let Mortgages & Transfers — FAQs
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Get Free Expert Advice
Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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