Expert Help With Your Property Purchase
Buy-to-Let Mortgages with BM Solutions
How to Access
BTL Mortgages
from BM Solutions
Thinking of buying a rental property? Whether it’s your first or your fiftieth, BM Solutions offers solid buy-to-let mortgages – but you’ll need a broker to access them.
At BMI Money, we’ve worked with BM Solutions for over 21 years. We know their lending criteria inside out and we’ll help you apply quickly, clearly, and with no broker fees.
Who Can Apply?
BM Solutions supports a wide range of buy-to-let borrowers, including:
- First-time landlords (if you own a residential property)
- Limited company landlords (SPVs with correct SIC codes)
- Portfolio landlords (owning 4+ mortgaged BTLs)
- Joint applicants – up to two people per application
- UK residents with a minimum income of £30,000 (combined)
Key Lending Criteria (Made Simple)
- Minimum income: £30,000 (combined for joint applicants)
- Max loan-to-value: Up to 75%
- Property type: Most standard residential properties
- Tenancy: ASTs only – no holiday lets
- EPC rating: Must be E or above
- Limited company applications: SPVs only (with accepted SIC codes)
- Portfolio landlord limits: Accepted – full portfolio review required over 3+ mortgaged BTLs
straight forward
answers to
real
questions
we get
Can I use a gifted deposit?
Yes – BM accepts deposits from close family with a letter and proof of funds.
Will they lend to a newly set up SPV?
Yes – as long as it has the right SIC codes.
Do I need to be a homeowner already?
Yes – BM doesn’t accept first-time buyers on BTL
Can I use foreign income?
No – income must be UK-based and taxed
a smart choice
Why Landlords Choose BMI Money for BM Solutions Purchases
21 Years
working with BM Solutions
Fast Applications
We know how to package things right
No Broker Fees
We don't charge fees to our clients
Clear Advice
We use plain English
Contact Us
Click the link above to speak with our BM Solutions team
Honest Advice
If BM isn't the best fit, we'll say so
FAQ
about
using
BM Solutions
Do BM Solutions do residential purchases?
No – they are strictly a buy-to-let lender.
Do they lend on HMOs or MUFBs?
No – only standard BTLs. But we work with lenders that do.
Can I apply directly?
No – BM is a broker-only lender. We’ll handle it all for you.
Do they do new builds?
Yes – but with lower LTV caps and some restrictions.
Let's Get You Started
If you’re thinking of buying a rental property and want to use BM Solutions, we’re here to help:
- Book a free 15-min call
- Tell us about the property and deposit
- Quick questions? We'll reply same day
There’s no cost, no pressure – just honest advice and 21+ years of BM Solutions experience on your side.
