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.
Flexible products designed for landlords, including options for individual properties and large portfolios, with competitive rates and features like top-slicing.
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
Contact us today to speak with an adviser and explore how we can help you secure the right mortgage for your needs.
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.
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.
Marie Kitchener was extremely helpful with a difficult , quite complex case. Marie responded to our questions with understanding, great knowledge and we trusted her advice. The solicitor she recommended was brilliant too. Highly recommend Kerr & Watson.
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Lauren Murray
30 June 2026
Marie Kitchen was absolutely fabulous. We had an incredibly complicated case due to living abroad and a few hiccups along the way. Marie was persistent and helped us to resolve these efficiently. Highly recommend.
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Michelle
8 June 2026
My 2nd time dealing with Kerr & Watson and they didn't disappoint, great service, professional and patient - big shout out to Andreea & Stephen
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Sean Turner
2 June 2026
I had an excellent experience with Kerr and Watson and would happily recommend them.
A special mention has to go to James, who provided exceptional service throughout. He was professional, approachable, clear in his communication and always willing to help. His support made a huge difference, and we genuinely couldn’t have done it without him.
I would not hesitate in recommending K&W to any family or friends.
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Jackie
15 May 2026
Brad was quick with getting me the right mortgage insurance prior to a move abroad. Polite and professional. Also liked that he would call to remind me take any actions if I hadn't responded to emails
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Ade Kunle
1 May 2026
I will always recommend Kerr & Watson to friend and family.
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Minzel 33
23 April 2026
This is my second product with Matthew, securing a BTL for my LTD with the best rate on the market. Once again great support, guidance and smooth process. Highly recommended, knowledgeable team. Reliable service.
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Freya B
14 April 2026
The team at Kerr & Watson were brilliant end to end. Daniel explained everything clearly, was always available to answer questions and helped us secure a great mortgage rate. The mortgage broking service they offer is worth every penny and I'd not hesitate to use them again. Thank you!
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Dean Langton
7 April 2026
Excellent service and very nice people.
Would highly recommend using them.
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Frequently Asked Questions About BM Solutions
▸ ▾Who are BM Solutions?
BM Solutions are buy-to-let mortgage lender and part of Lloyds Banking Group. They mainly used by landlords who are buying, remortgaging or refinancing rental property.
BM Solutions may be suitable for first-time landlords, experienced landlords, portfolio landlords and, in some cases, limited company buy-to-let applicants. The right lender will depend on your property, rental income, deposit, personal income and wider circumstances.
▸ ▾Do I need a mortgage broker to apply to BM Solutions?
BM Solutions works with mortgage brokers and intermediaries, so landlords will usually apply through a broker rather than directly with the lender.
Using a broker can be helpful because buy-to-let lending is criteria-driven. Kerr & Watson can check whether your case fits BM Solutions, compare other buy-to-let lenders and help package the application correctly before submission.
▸ ▾Can Kerr & Watson help me apply to BM Solutions?
Yes, Kerr & Watson can help with BM Solutions buy-to-let mortgage applications. We can review your rental property, deposit, expected rent, personal income, portfolio position and mortgage goals before deciding whether BM Solutions is the right lender to approach.
If BM Solutions is suitable, we can help prepare and submit the application. If another buy-to-let lender is a better fit, we will explain your options clearly.
▸ ▾Does BM Solutions offer buy-to-let mortgages?
Yes, BM Solutions is known for buy-to-let mortgages. It may be considered by landlords purchasing a rental property, remortgaging an existing buy-to-let or reviewing their current mortgage deal.
Buy-to-let mortgages are assessed differently from residential mortgages. The lender will usually look at the rental income, property value, landlord experience, deposit, loan amount and overall affordability.
▸ ▾Can first-time landlords use BM Solutions?
BM Solutions may be an option for first-time landlords, depending on the application and the lender’s criteria at the time. A first-time landlord is someone buying their first rental property.
Lenders may look closely at your income, deposit, property type, expected rent and overall financial position. Getting advice before applying can help you understand whether BM Solutions is suitable or whether another lender may be a better option.
▸ ▾Does BM Solutions offer limited company buy-to-let mortgages?
BM Solutions may consider limited company buy-to-let mortgages, subject to the lender’s criteria and product availability. This can be relevant for landlords who own or plan to buy rental property through a limited company or special purpose vehicle.
Limited company buy-to-let applications can be more detailed than personal buy-to-let cases. Kerr & Watson can help review the company structure, property, rental income and lender requirements before an application is submitted.
▸ ▾How much can I borrow with BM Solutions?
How much you can borrow with BM Solutions will usually depend on the property value, rental income, deposit, loan-to-value, interest rate stress testing and your wider circumstances.
Buy-to-let affordability is not assessed in the same way as a standard residential mortgage. The rent often plays a major role, so Kerr & Watson can check the rental calculation and compare BM Solutions against other lenders to see what may be possible.
▸ ▾What deposit do I need for a BM Solutions buy-to-let mortgage?
The deposit needed for a BM Solutions buy-to-let mortgage depends on the product, property type, rental income and your overall circumstances. Buy-to-let mortgages usually require a larger deposit than standard residential mortgages.
Before applying, it is important to check whether your deposit and rental income meet the lender’s requirements. If BM Solutions is not the most suitable option, another buy-to-let lender may be a better fit.
▸ ▾Can I remortgage to BM Solutions?
Yes, BM Solutions may be an option if you want to remortgage an existing buy-to-let property. This could be to secure a new rate, raise capital, move from another lender or review your options before your current deal ends.
A buy-to-let remortgage should be reviewed carefully. Interest rates, fees, rental stress testing, property value, early repayment charges and future plans should all be considered before deciding whether BM Solutions is right for you.
▸ ▾Is BM Solutions the best buy-to-let lender for me?
BM Solutions may be a suitable buy-to-let lender for some landlords, but it will not be the best choice for everyone. The right lender depends on your property, rental income, deposit, tax position, portfolio size, ownership structure and long-term plans.
Kerr & Watson can compare BM Solutions with other buy-to-let lenders and explain which option is most suitable. This can help you avoid applying to the wrong lender and give you a clearer route forward.
Common Mortgage Lender Questions
▸ ▾How do I know which mortgage lender is right for me?
The right mortgage lender will depend on your income, deposit, credit history, property type, borrowing amount and long-term plans. Some lenders are better suited to straightforward residential mortgages, while others specialise in buy-to-let, complex income, adverse credit, commercial property or larger loans. A mortgage adviser can compare lenders and help identify which option may be most suitable for your circumstances.
▸ ▾Do all mortgage lenders use the same criteria?
No. Every mortgage lender has its own lending criteria, affordability model, credit scoring system, property requirements and risk appetite. This means one lender may decline an application that another lender is comfortable considering. Lender selection is an important part of the mortgage process.
▸ ▾Why use a mortgage broker instead of applying directly to a lender?
A mortgage broker can help compare lenders, check criteria before you apply and explain which options may be suitable for your circumstances. This can be especially useful if you are self-employed, have complex income, need a buy-to-let mortgage, have previous credit issues or are unsure which lender is likely to accept your application.
▸ ▾Can a whole-of-market mortgage broker access more lenders?
A whole-of-market mortgage broker can review a wide range of lenders and products, including high street banks, building societies, specialist lenders and intermediary-only lenders. This can give you a broader view of your options than approaching one lender directly.
▸ ▾What is an intermediary-only mortgage lender?
An intermediary-only lender is a lender that usually accepts applications through mortgage brokers rather than directly from customers. These lenders may offer products or criteria that are not available by applying directly online or through a branch. A mortgage broker can check whether an intermediary-only lender may be suitable for your case.
▸ ▾Does the lowest mortgage rate always mean the best lender?
Not always. The lowest rate may look attractive, but it is not automatically the best option. You also need to consider lender fees, affordability, criteria, product terms, early repayment charges, valuation requirements, service levels and whether the lender is likely to approve your application.
Yes. Mortgage lenders use different affordability calculators and assumptions. They may treat income, bonuses, commission, overtime, self-employed income, pension income, benefits, debts and childcare costs differently. This means the amount you can borrow may vary significantly from one lender to another.
▸ ▾Can a mortgage lender decline me even if I can afford the mortgage?
Yes. Mortgage lenders do not assess affordability alone. They may also review your credit history, employment type, income structure, deposit source, property type, loan-to-value, age, commitments and overall risk profile. Even if the monthly payment seems affordable, a lender may still decline the case if it does not meet their criteria.
▸ ▾If one lender declines me, can another lender still approve me?
Yes. A decline from one lender does not necessarily mean you cannot get a mortgage. Lenders assess applications differently, so another lender may take a more suitable view of your income, credit history, property or deposit. It is important to understand why the application was declined before approaching another lender.
▸ ▾Do lenders treat self-employed income differently?
Yes. Some lenders use the latest year’s income, while others average the last two years or assess salary and dividends for limited company directors. Some lenders may also consider retained profit, contractor income or more complex trading structures. Choosing the right lender can make a significant difference for self-employed applicants.
▸ ▾Do mortgage lenders accept bad credit?
Some lenders may consider applicants with bad credit, depending on the type, age and severity of the credit issue. Missed payments, defaults, CCJs, debt management plans, IVAs and previous arrears are all assessed differently by different lenders. A specialist lender may be more suitable if you have historic credit problems.
▸ ▾Can Kerr & Watson help me choose between mortgage lenders?
Yes. Kerr & Watson can review your circumstances, compare suitable lenders and explain which options may be available. We can help with residential mortgages, buy-to-let mortgages, specialist lending, complex income, adverse credit, bridging, commercial finance and later life lending, depending on your needs.
