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BMI MONEY

Remortgaging with BMI Money

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BMI Money is a leading broker for remortgaging, offering expert advice and access to an extensive panel of lenders to suit all types of mortgages. Our personalised approach ensures competitive rates and tailored solutions, making the remortgaging process straightforward and stress-free. Whether you’re a first-time buyer or a seasoned homeowner, BMI Money will help you secure the best deal.

With a strong focus on customer satisfaction, BMI Money provides transparent communication and efficient service every step of the way. Our deep industry knowledge and commitment to finding the right mortgage solution saves you time and money. From reducing monthly payments to releasing equity, we cater to diverse financial needs, ensuring a seamless and cost-effective remortgaging experience for every client.

Lenders we work with...

Accord Mortgages, part of the Yorkshire Building Society Group, is a lender accessible only through mortgage brokers. They offer a variety of mortgage options, including New Build, Help to Buy, Interest Only, Offset, and Buy to Let, with a maximum loan-to-value ratio of 95%.

Find out more about remortgaging with Accord

Aldermore, established in 2009 and acquired by the FirstRand Group in March 2018, is a prominent financial services company in South Africa. The lender offers a diverse range of specialized mortgage options tailored to various customer segments, such as self-employed individuals, first-time buyers, and later-life purchasers.

Find out more about remortgaging with Aldermore

Bank of China, established in the UK since 1929, holds a prominent position among the world’s leading banks based on its substantial market capitalization. The bank boasts a rich history and offers a wide array of mortgage products to meet the unique needs of UK consumers.

Barclays is a well-known UK mortgage lender that offers a range of financial products, including mortgages for first-time buyers and buy-to-let properties, including HMOs.

BM Solutions, a member of the esteemed Lloyds Banking Group and a subsidiary of Birmingham Midshires, is known for its specialization in providing a comprehensive range of tailored financial products primarily through intermediaries. Their focus areas include Buy to Let, Let to Buy, Product Transfers, and Further Advance mortgages, catering to the specific needs of their clients.

Find out more about remortgaging with BM Solutions

Founded in Glasgow in 1838, Clydesdale Bank is the smallest of the three Scottish commercial banks. Despite its size, it offers a wide array of mortgage options, including both fixed and variable rate mortgages, designed to meet the needs of first-time buyers, homeowners, and landlords. With a loan-to-value (LTV) ratio that can go as high as 90%, Clydesdale Bank provides comprehensive solutions for a variety of borrowers.

Coventry Building Society, a well-established building society with a history that spans over a century, is widely recognized for its exceptional customer service, earning numerous accolades. This esteemed institution offers a wide variety of savings and mortgage products to its valued members. Notably, their mortgage options are tailored to meet the unique needs of first-time buyers, homeowners, and landlords alike.

Fleet Mortgages is a specialized mortgage lender that focuses on buy-to-let mortgages. Their range of products is available to individual landlords, limited companies, and Houses of Multiple Occupation (HMOs). Since their inception in 2014, Fleet Mortgages has seen significant growth and operates exclusively through intermediaries.

Foundation specializes in offering mortgages tailored to unique borrowers. They provide residential mortgages for individuals with complex income, employment, or credit history. They also offer buy-to-let mortgages for landlords, portfolios, and limited companies, especially for unique property types like HMOs and multi-unit blocks.

Halifax is a well-known UK mortgage provider, operating under the umbrella of Lloyds Banking Group. Established in 1853 as a building society, it became the largest in the UK by 1913. Halifax offers a diverse range of mortgages designed for first-time buyers, home movers, landlords, and later life lenders. They are known for high Loan to Value (LTV) deals and offer various government scheme mortgages, including Help to Buy and Shared Ownership.

HSBC UK is dedicated to serving the Intermediary mortgage market and aims to be your preferred lender, supporting your growth goals. They offer a wide range of mortgage products, including options for cashback and international residential mortgages. Their lending criteria include a 5.5 Loan-to-Income ratio for total income over £100,000, offering flexible financing solutions. HSBC welcomes various income sources, including up to 100% variable pay, rental income, shift, and contracted allowances. They also accept gifted deposits from family members and consider salary and a share of net profit for Limited Company directors.

Kensington Mortgages is a well-known specialist mortgage lender in the United Kingdom, despite not being a traditional bank. With over 25 years of experience, they provide a variety of mortgage products, including fixed and variable rate mortgages, options for the self-employed, and mortgages for new-build properties.

Kent Reliance, a banking service provider based in Kent, is part of OneSavings Bank plc. Originally established in 1898 as Chatham & District Reliance Building Society, it later merged with Herne Bay Building Society and became Kent Reliance Building Society in 1986.

Find out more about remortgaging with Kent Reliance

Landbay, an acclaimed mortgage platform, is dedicated to enhancing the buy-to-let experience.

With a customer-centric approach, Landbay collaborates with top-notch individuals and partners, utilizing our extensive data, cutting-edge technology, and market knowledge.

LendInvest is committed to improving the mortgage application process to make it more efficient, convenient, and affordable. Our goal is to help you and your clients achieve their goals by offering flexible criteria and the funding needed to grow their property portfolios and businesses through our Buy-to-Let and Bridging finance solutions.

Metro Bank is committed to transforming the banking industry and building loyal fans, not just customers. They have a national Business Development Manager presence and a highly skilled underwriting team, ensuring a fast, efficient, and reliable service for both mortgage partners and customers. Metro Bank’s Residential and Buy to Let products are designed to be easy to understand and tailored to the customer’s needs, whether they’re a First Time Buyer or an experienced landlord.

Nationwide Building Society, one of the UK’s largest building societies, provides a wide range of financial services to its members, including savings accounts, mortgages, loans, credit cards, and insurance products. They’ve earned recognition for their outstanding customer service.

NatWest Mortgages is known for its great customer service, making it a top choice for first-time buyers and homeowners. They offer various fixed-rate and tracker mortgages to suit different needs.

NatWest typically allows borrowers to get a mortgage of 4-4.5 times their annual salary, and sometimes up to 4.85 times depending on the situation.

Newcastle Building Society, the largest building society in the North East, has been serving customers for 150 years with 30 branches in the North East, Cumbria, and North Yorkshire. They offer various mortgage products like fixed-rate, variable rate, and tracker mortgages for first-time buyers and home movers.

Nottingham Building Society, established in 1849, is a well-known UK mortgage lender with a rich history. Samuel Fox, a respected Quaker and local grocer, founded it. Today, they have a network of over 30 branches across 9 UK counties.

Pepper Money, an award-winning specialist lender, works exclusively through intermediaries. They have a unique approach to assessing mortgage applications, focusing on fairness.

Their broker partners have useful tools like affordability calculators to help determine the maximum borrowing amount for customers. They also offer Product Finder and Document Finder to quickly identify the right product and required documents.

Precise Mortgages specializes in buy-to-let, residential, and bridging finance mortgages. They work only with professional intermediaries and their clients, not directly with the public.

Their lending criteria are flexible, but they have some restrictions. They typically don’t accept applications from people on probation, those with bad credit, or for non-standard properties.

Precise Mortgages offers various mortgage products. To apply for one, you’ll need to work with a professional mortgage broker, like us at Bright Money Independent.

Principality offers flexible solutions for multiple applicants on a single application, considering all their incomes. They can provide loans of up to 90% Loan to Value for Non-EEA Nationals who meet VISA requirements and have lived in the UK for two years. Importantly, your Principality credit score remains unaffected by factors like Loan to Value or associations, and they don’t take deductions like pension or child care vouchers into account. Additionally, they are open to receiving gifted deposits from family members and are accommodating with credit history, accepting up to £500 in County Court Judgments (CCJs) and defaults within six years.

Santander is a major UK mortgage provider with around £170bn in UK mortgage loans and over 14 million customers. They offer a variety of mortgage options to suit different needs.

You can transfer your Santander mortgage to a new property with certain conditions, making it easier to move without closing your existing mortgage.

Santander is ranked 8th out of 16 mortgage lenders for customer satisfaction and consistently offers competitive mortgage deals in the UK.

Scottish Widows Bank provides Offset Mortgages with all their mortgage products. This feature lets you deposit your savings daily and offset them against your mortgage balance, giving you a tax-free return equal to your mortgage rate.

Skipton Building Society, a respected financial institution with a long history of over 165 years, offers a wide range of mortgages designed to fit the unique needs of individuals. They are a leading mortgage lender in the UK, serving a customer base of over 1 million. Skipton is known for providing excellent customer service and takes a personalized approach to banking. With branches across the country and a well-regarded telephone and online service, they prioritize accessibility and convenience for their customers.

The Mortgage Lender offers a range of products and criteria specifically created for borrowers who have regular employment but don’t meet the requirements of mainstream lenders.

For self-employed individuals, they provide loans of up to 85% of the property’s value (loan-to-value or LTV) if they’ve been in business for over 24 months. If their business history is between 12 to 24 months, the maximum LTV is 80%.

The Mortgage Works has a dedicated team of Buy to Let underwriters who are experts in this market. They provide personalized mortgage solutions tailored to your unique situation. As part of Nationwide Building Society, one of the UK’s largest mortgage lenders, The Mortgage Works benefits from the strength and support of its parent company.

TSB provides a variety of mortgage options to suit a wide range of borrowers, whether you’re a first-time buyer, looking to remortgage, or interested in a buy-to-let property. Some of their popular mortgage choices include:

Fixed-rate mortgages: These mortgages lock in your interest rate for a set period, usually between two and five years. This offers stability and makes it easier to budget for your monthly payments.

Virgin Money is a well-known financial services brand renowned for its wide array of offerings, including current accounts, credit cards, mortgages, savings, ISAs, investments, and insurance. The company is dedicated to improving the banking experience and strives to provide customers with clear and high-quality products. What sets Virgin Money apart from traditional banks is its unique approach to customer service.

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