BM Solutions
BankBM Solutions is the UK's largest buy-to-let intermediary lender, operated by Lloyds Banking Group. It offers a comprehensive range of buy-to-let mortgage products exclusively through mortgage brokers.
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About BM Solutions
BM Solutions (Birmingham Midshires Solutions) is the intermediary-only buy-to-let mortgage brand operated by Lloyds Banking Group. Originally part of Birmingham Midshires building society, the brand was absorbed into the Lloyds Group following the Halifax Bank of Scotland (HBOS) merger in 2009. BM Solutions has become the UK's largest buy-to-let lender by volume.
BM Solutions focuses exclusively on buy-to-let mortgage lending through the intermediary channel. The brand offers a wide range of products for individual landlords and portfolio investors, including fixed-rate, tracker, and variable-rate options. BM Solutions benefits from the scale and financial stability of Lloyds Banking Group, one of the UK's largest financial institutions.
As a broker-only brand, BM Solutions has built strong relationships with the intermediary community. The brand is known for efficient processing, competitive rates, and consistent underwriting. BM Solutions products are available through mortgage brokers across the UK. The brand operates under Lloyds Banking Group's FCA and PRA regulatory authorisations.
Lending Focus
BM Solutions offers mortgage products across 3 categories including Buy-to-Let, Limited Company, HMO.
Key Features
- UK's largest buy-to-let intermediary lender by volume
- HMO mortgages for multi-occupancy properties
- Limited company buy-to-let lending for landlords
- Backed by Lloyds Banking Group financial strength
- Portfolio landlord products for larger property investors
Pros & Cons
Pros
- Largest BTL lender with deep experience in landlord lending
- HMO and limited company options for professional landlords
- Scale and stability of Lloyds Banking Group backing
- Competitive rates and efficient broker-channel processing
Cons
- –Buy-to-let only — no residential mortgage products
- –Only available through mortgage brokers
- –Maximum LTV of 80% requires a 20% deposit minimum
Fees & Charges
- Arrangement Fee
- Varies by product; typically £999 or fee-free options
- Valuation Fee
- Free on most products
- Early Repayment Charge
- 1–5% during the initial deal period
- Overpayment Allowance
- Up to 10% per year without charge
Mortgage Rates
Rate data coming soon. View rates on BM Solutions
Application Process
- Processing Time
- 1–3 weeks
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
Can I apply for a BM Solutions mortgage directly?
Does BM Solutions offer limited company buy-to-let mortgages?
Does BM Solutions lend on HMO properties?
Who owns BM Solutions?
How to Apply
Broker only. BM Solutions products are available through mortgage brokers. Find a broker with BM Solutions on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.