BM Solutions

BM Solutions: Specialist Buy-to-Let Mortgage Solutions

BM Solutions is a well-established mortgage lender, renowned for its focus on the buy-to-let market and competitive residential mortgage products. Part of the Lloyds Banking Group, BM Solutions offers a range of innovative and flexible mortgage options tailored to meet the needs of landlords and homeowners alike.

At Kerr & Watson, we can arrange a mortgage from the whole of the market including BM Solutions to provide our clients with access to these robust lending options, ensuring that you find the right mortgage for your investment or residential needs.

Why do people consider BM Solutions?

Specialist in Buy-to-Let

BM Solutions is a leader in the buy-to-let sector, offering a comprehensive range of products that cater to both new and experienced landlords. Whether you’re managing a single property or a large portfolio, BM Solutions provides flexible options, including high loan-to-value (LTV) products and innovative features like top-slicing, which allows landlords to use personal income to support mortgage affordability.

Flexible Underwriting

BM Solutions is known for its straightforward and efficient underwriting process, making it easier for borrowers to get the financing they need. With a focus on providing swift decisions, BM Solutions ensures that your mortgage application is handled quickly and efficiently, helping you secure your property with minimal hassle.

Dedicated Broker Support

BM Solutions operates exclusively through intermediaries, ensuring that you receive expert advice and support throughout the mortgage process. By working with Kerr & Watson, you can benefit from our deep understanding of BM Solutions’ products and criteria along with all other lenders in the market, ensuring that you get the best possible advice and guidance.

Product Highlights

Buy-to-Let Mortgages

Flexible products designed for landlords, including options for individual properties and large portfolios, with competitive rates and features like top-slicing.

Residential Mortgages

A range of options for homebuyers and those looking to remortgage, offering competitive rates and flexible terms.

Remortgage Products

Attractive remortgage deals that allow you to switch to a better rate or release equity from your property.

Switching Your Rate with BM Solutions: What You Need to Know

BM Solutions offers personalised product transfer rates tailored to each individual customer, rather than a uniform set of rates. As an existing BM Solutions borrower, you’ll receive a customised list of mortgage rates to choose from, ensuring you get options suited to your specific circumstances.

What Does This Mean for You as a BM Solutions Borrower?

If your current mortgage rate is due to end within the next six months, now is the time to secure a new rate. Locking in a rate early can protect you from potential drops in property valuations or future interest rate increases. Additionally, if BM Solutions offers lower rates between now and when your new rate takes effect, you have the flexibility to switch to the more favourable rate.

However, navigating a product transfer with BM Solutions can be challenging. They may not readily provide details about further borrowing options or existing deals that you might qualify for. This is where the expertise of a qualified mortgage broker becomes invaluable.

A mortgage broker can assess your situation, guide you through the process, and handle all communication with BM Solutions on your behalf. If staying with BM Solutions is the right move for you, a broker will ensure you secure the best product transfer available.

For buy-to-let landlords, consulting a BM Solutions specialist broker is particularly advantageous. These brokers have in-depth knowledge of BM Solutions’ buy-to-let products and can help you find the most suitable option for your portfolio. By working with a broker, you can make informed decisions that align with your financial goals while ensuring a smooth and hassle-free process.

Why Contact Kerr & Watson?

Navigating the mortgage market can be challenging, especially when dealing with specialist products like those offered by BM Solutions. At Kerr & Watson, we simplify the process by providing expert advice and personalised service, ensuring that you find the mortgage solution that best meets your needs. Whether you’re investing in a new property or looking to remortgage, our team is here to help you every step of the way.

Get in Touch

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.