BM Solutions Mortgages

Compare the mortgage rates and deals currently on offer from the Birmingham Midshires. View all the products from BM Solutions from their buy let mortgages, let to buy deals and mortgage products from tracker, fixed and variable rates.


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BM Solutions offers an interesting and innovative array of mortgage products to landlord, property developer, and financial advisor customers in the UK. In this guide, we’re going to explain everything you need to know about BM Solutions, and take a look at some of the products you can apply for today, whether you are a buy to let or let to buy customer. Let’s get started with some of the basics.


BM Solutions - otherwise known as Birmingham Midshires - is, today, something of a mishmash of different banking organisations. Initially it came into existence as an old building society in 1986, after a merger between Birmingham and Bridgewater Building Society and the Midshires Building Society. Then the Halifax building society acquired the Birmingham Midshires, before HBOS bought Halifax. In 2009, the Lloyds Banking Group bought HBOS, so BM Solutions is currently under the Lloyds umbrella.

The lender offers a range of various solutions for the buy to let and let to buy market, as well as products allowing you to transfer your mortgage to another. The BM Solutions products are available from its website, which is dedicated to buy to let mortgages and available to mortgage brokers and intermediaries. It also has an innovative, ‘one minute mortgage’ service that enables customers to apply for a decision within 60 seconds. Finally, one important factor to remember is that BM Solutions do not offer residential mortgages.

Products & features

BM Solutions customers can choose from a broad range of fixed and tracker mortgages, which are currently offer terms spread between one and five years. All applicants must be a minimum of 25 years old, and there are a range of other criteria to be met - make sure you check the terms and conditions before applying.

In terms of buy to let mortgages, BM Solutions promise a competitive deal whether you choose fixed or tracker mortgages. Currently, fixed term mortgages are offered at an LTV of 60 to 75 percent, and you can choose to pay a fixed product fee or pay your service charge as a 0.5 percentage of the total mortgage.

The let to buy mortgage from the lender is a relatively new product, but becoming increasingly popular. Again, you will pay a fee on fixed mortgages, whereas if you choose a tracker there will be no product charge.

The major differentiator between BM Solutions and the rest of the market is, without doubt, its one minute mortgage service. Here, you can apply for a mortgage decision in less than a minute, and the service is available 24/7. You can also submit additional borrowing applications, process multiple buy to let applications, and store, track, amend and print your application.


With a huge range of different mortgage products and some innovative services and features, BM Solutions is a reasonable choice of home loan for those who have managed to raise a large deposit. And with the one minute mortgage feature, you can find out where you stand in no time at all.