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BM Solutions Mortgages

BM Solutions – today’s mortgage rates

BM Solutions – Fixed Mortgage Rates – Purchase

  • Two year fixed rates from 1.80%
  • Three year fixed rates from 2.05%
  • Five year fixed rates from 1.95%

BM Solutions – Fixed Mortgage Rates – Remortgage

  • Two year fixed rates from 1.72%
  • Three year fixed rates from 1.94%
  • Five year fixed rates from 1.97%

BM Solutions – Tracker Mortgage Rates

  • Two year tracker rate for purchase from 2.13%
  • Two year tracker rate for remortgage from 2.02%


The above rates are for new borrowers only, existing BM Solutions borrowers should review Latest BM Solutions mortgages buy to let product transfer rates here

About Birmingham Midshires

With over 23 years of experience in offering mortgage solutions, BM Solutions has been one of the most innovative companies supporting mortgage brokers.

BM Solutions was at the forefront of providing online application systems to speed up mortgage underwriting and application.

Originally Birmingham Midshires, BM Solutions is wholly owned by the HBOS (Halifax Bank of Scotland) Group and is the buy to let lending brand for HBOS.

BM Solutions – mortgage underwriting

BM Solutions today specialise in the buy to let mortgage market and aim their products at property owners with one to ten properties. Buy to let mortgages are underwritten on rental income potential.

BM Solutions – key buy to let underwriting criteria

  • Applicants must be aged 25 or over
  • Maximum applicant age 74 at application 79 at end of mortgage term
  • No minimum personal income limit but considered as part of underwriting
  • Income stress rate (basic rate tax payers) 125% at 5.5% (£175,000 lending per £1,000 pcm rental)
  • No deposits allowable from a business
  • Gifted deposits only where from family and no repayable
  • Free legals available on some remortgage applications

Existing BM Solutions Mortgage Holder?

Do you currently have a BM Solutions Mortgage that you wish to increase or change in some way?

If so, you may have already called BM Solutions direct and been told that you need the services of a Mortgage Broker to make any changes to your mortgage.

Latest BM Solutions mortgages buy to let product transfer rates here

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