Birmingham Midshires Mortgage Rates
Landlord? Check today’s BM Solutions deals, product transfers and remortgage options—fast.
BM Solutions is one of the UK’s most established buy to let lenders, known for supporting landlords across straightforward and complex property portfolios.
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Content reviewed by Jason Foord, FCA-regulated mortgage broker (FCA No. 997175). This page provides general guidance based on current BM Solutions lending criteria (March 2026). Always seek personalised advice before applying.
Live Birmingham Midshires mortgage rates
| Type of mortgage | Initial rate | Fixed term | Max LTV | Product fee |
| BTL Purchase | 3.48% | 2 Years | 60% | £1800 |
| BTL Purchase | 3.49% | 2 Years | 75% | £2250 |
| BTL Remortgage | 4.53% | 5 Years | 70% | £2100 |
| Ltd Company BTL | 5.25% | 5 Years | 75% | £2250 |
Rates verified via broker access (last checked April 2026). Product availability subject to BM Solutions lending criteria updates.
Are You Overpaying Your Mortgage?
Mortgage rates change constantly — and the deal you’re looking at here may not reflect what’s available across the wider market. If your current rate is higher than today’s deals, you could be overpaying without realising it.
A short and sweet title for this section.
Don’t Just Check BM Solutions Rates — Know When to Act
BM Solutions rates can change, and the best deals don’t stay available for long. Theo tracks your mortgage against the market and alerts you when better options appear, so you don’t miss the right moment.
Theo Insight: The biggest savings often come from acting early — not waiting for rates to change again.
Track Your Mortgage Rate
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Know When to Remortgage
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Theo is a mortgage intelligence platform designed to help you monitor your mortgage and identify potential savings. It does not provide advice. Always speak to a qualified adviser. Built by FCA regulated mortgage experts at Verifi Mortgages
What Birmingham Midshires Offers
Bm Solutions is part of Lloyds Banking Group, offering one of the most competitive and consistent buy to let product ranges in the UK.
They currently provide:
Birmingham and Midshires lending is available to both individual landlords and limited company applicants. Although criteria differs by applicant type.
BM Solutions Criteria & Eligibility Snapshot
| Category | Summary | Broker Insight |
| Minimum age | 21 years old | You must be at least 21 years old at point of application. |
| Maximum age at the end of the mortgage term | 80 years old | Your mortgage term must end before your 80th birthday. |
| Maximum Loan to Value (LTV) | 80% LTV | If your higher than this, you will need a specialist lender. |
| Minimum income for all applicants | No minimum income | No minimum income is required however, you must be able to evidence you can afford the rental void periods. |
| Minimum property value | £50,000 | You will be denied if your properties value is below £50,000. |
| Portfolio Landlords | Accepted | Subject to local licensing requirements and BM’s criteria. |
| HMO & multi unit freeholds | Accepted | No more than 10 BTL mortgaged properties and other specific lender criteria. |
| Adverse credit | Adverse not accepted | Even small CCJs or IVAs can lead to rejection. I personally pre-check clients before DIP submission to avoid unnecessary declines. |
| Applicant Type | UK Residents Only | Expats not accepted, We will find alternative options for you. |
| Loan Type | Buy to Let Only | BM doesnt offer residential mortgages anymore. Great for landlords, but homeowners need another lender. |
For complex scenarios or applicants with adverse credit issues, specialist lenders may be more flexible.
BM Solutions Product Transfers
If your an existing BM Solutions borrower you may be eligible for a product transfer.
Most product transfer rates become available between 3 to 6 months before your deal comes to an end.
Expert Insight
Jason Foord, Independent Mortgage Broker FCA No. 997175“I often find landlords with BM Solutions stay on Standard Variable Rate longer than they should. BM’s SVR is typically 1–1.5% above market fixed deals, which can cost £150–£300 a month extra on average.
I recommend reviewing your rate 3–6 months before expiry. Thats when brokers can secure like for like fixed deals with no early repayment charge crossover.
For landlords with multiple BM accounts, portfolio remortgages can often reduce admin and total interest, something BM wont highlight directly.“
Jason works directly with BM Solutions and other buy to let lenders, helping landlords secure competitive remortgage and product transfer deals while ensuring portfolio compliance under current affordability rules.
Is Birmingham Midshires Right for You?
BM Solutions (Birmingham Midshires, part of Lloyds Banking Group) is one of the UK’s largest buy-to-let lenders. They are known for:
At Verifi Mortgages, we place Birmingham Midshires cases daily, giving us insider knowledge of how to get approvals through first time.
Why Work with an FCA Regulated Broker?
“Having advised UK landlords for over a decade, I know how BM Solutions underwrite. Getting the right product structure now can save £1,000s over your term.”
How Verifi Mortgages Speeds Up Approvals
Why Choose Verifi Mortgages for Birmingham Midshires Deals?
FAQs About Birmingham Midshires Mortgage Rates
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Next Steps: Check Your BM Solutions Options
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BM Solutions lending criteria verified via BM Solutions Broker Portal