At BMI Money, we’ve been working with BM Solutions for over 21 years – long before comparison sites, online forms, and AI chatbots.
Whether you're looking to buy your first rental property, raise funds from an existing mortgage, or switch to a better rate — BM Solutions is a lender we know inside out. And since they don’t deal directly with the public, you'll need a broker like us to apply.
We’re fast, experienced, and we don’t charge broker fees.
What Can We Help You With?
Buy-to-Let Purchase
First-time landlord or building a portfolio? BM Solutions offers competitive rates, clear criteria, and limited company options.
Product Transfer
Fixed rate ending? Stay with BM Solutions and switch to a new deal without credit checks or remortgaging.
Further Advance
Need to borrow more? A further advance can help you raise funds without leaving BM Solutions.
Remortgage
Switch to a new BM Solutions deal or raise capital — we’ll help you remortgage with the same lender, or others if needed.
Why BM Solutions?
BM Solutions is part of Lloyds Banking Group and one of the UK’s biggest specialist buy-to-let lenders. They’re known for:
- Competitive interest rates
- Clear lending criteria
- Strong support for individual and limited company landlords
- Fast processing for product switches
...but...they don’t accept direct applications
You must go through a broker...
a smart choice
Why Choose Bright Money Independent?
Over 21 years of experience working with BM Solutions
We handle everything – no forms, no waiting on hold
We speak human – plain-English advice and quick answers
No broker fees – we’re paid by the lender, not by you
At a Glance: Your BM Solutions Options
Here’s a quick overview to help you compare your options:
| OPTION | Credit Check? | Avg Time | Raise Funds? | Legal Work Needed? |
|---|---|---|---|---|
|
Product Transfer |
No |
2-3 days |
No |
No |
|
Further Advance |
Yes |
2-3 weeks |
Yes |
No |
|
Remortgage |
Yes |
3-5 weeks |
Yes |
Yes |
|
Buy-to-Let Purchase |
Yes |
Varies |
Yes |
Yes |
real answers to
real
questions
we get
My BM fixed rate ends in 3 months – when should I act?
We can secure a new rate up to 6 months early. The sooner you lock it in, the better.
Can I borrow more and switch to a new deal at the same time?
Yes – we can look at a combined product transfer + further advance if needed.
Will BM Solutions lend to me through a limited company?
No – BM Solutions currently only lend to individuals.
I’ve had credit blips – will they consider me?
BM is generally strict, but we’ll review it. If not, we’ll recommend a lender that will.
FAQ
about
BM Solutions
mortgages
Do I have to go through a broker for BM Solutions?
Yes. They’re 100% broker-only – no direct customer applications.
Are there fees to switch deals?
We don’t charge a broker fee. Some products have lender fees – we’ll tell you upfront.
How do I get started?
Just send us your mortgage account number, or book a quick call. We’ll do the rest.
Let's Get It Sorted
We’ve been helping landlords and homeowners navigate BM Solutions for over two decades.
Use the form below to arrange a quick call.
Include your mortgage account number if you have it to hand (but isn’t required).
Ask us a question – same-day reply guaranteed.
