BM Solutions Updates Energy Efficient Home Mortgage Criteria: What UK Landlords and Homeowners Need to Know

Significant Changes to Energy Efficient Mortgage Products

BM Solutions, a prominent UK mortgage lender specialising in Buy-to-Let (BTL) and Let to Buy products, has announced noteworthy updates to their Energy Efficient Home mortgage range. These changes are effective from 3 October 2025. These new BM Solutions energy efficient mortgages 2025 focus on incentivising higher energy performance in rental properties. This aligns with the broader push for sustainable housing in the UK.

Updated Criteria for BM Solutions Energy Efficient Home Products

To qualify for BM Solutions’ popular Energy Efficient Home products or the BM Solutions energy efficient mortgages 2025, properties must now meet a minimum Energy Efficiency rating of Band B. This corresponds to a numerical Energy Efficiency Rating of 81 or higher. This is an increase from previous criteria. It places a greater focus on top-tier energy performance for both purchase and remortgage BTL cases.

• Energy Efficiency Band A or B (≥81): Eligible for the Energy Efficient Home product range for both purchase and remortgages, including BM Solutions energy efficient mortgages 2025.
• Band C Properties: Up to 75% Loan to Value (LTV), applicants must apply for standard BM Solutions mortgage products, not the Energy Efficient Home range.
• Band C, Personal Ownership BTL and Let to Buy: For those seeking >75%–80% LTV, a separate product remains available – but this is classified outside the Energy Efficient Home range.
• Minimum Acceptable Rating: All mortgaged properties must still meet a minimum energy rating of Band E.

What This Means for Borrowers

• Landlords with high-performing, energy-efficient properties (Band A/B): Can continue to access competitive Energy Efficient Home mortgage products.
• Those with Band C properties: May need to consider home improvements to access the best green mortgage deals or apply for standard options.
• All applicants: Ongoing compliance with a Band E minimum energy rating remains mandatory.

Why Is BM Solutions Making This Change?

This adjustment reflects BM Solutions’ commitment to encouraging the UK’s shift towards greener, more sustainable housing stock. By focusing enhanced product offerings on properties with Band B or better energy ratings, the lender is supporting landlords in understanding and improving their property’s environmental impact. It also meets anticipated future regulatory changes for rental homes. This forward-looking strategy paves the way for BM Solutions energy efficient mortgages 2025.

Benefits & Unique Features for Borrowers

• Market-leading support for eco-conscious landlords: Those with properties in Band A or B can access exclusive products potentially featuring preferential rates and terms.
• Clear product structure for Band C landlords: While Band C is outside the Energy Efficient Home range, accessible mortgage options remain, especially up to 80% LTV for personal BTL and Let to Buy cases.
• No change to other core lending requirements: Eligibility for all products still requires meeting at least Band E energy efficiency.

Who Benefits Most from These Changes?

• Landlords with recently upgraded or new properties: Best-placed to benefit from the expanded Energy Efficient Home range if their property is Band B or better.
• Those planning remortgage or portfolio growth: May find improved borrowing terms if investing in sustainability upgrades.
• First-time landlords or property investors interested in future-proofing their investments and securing competitive financing.

Why Choose BM Solutions?

• Specialist Buy-to-Let expertise: Longstanding experience supporting landlords and intermediary partners.
• Responsive to regulatory and market trends: Proactively adapting product range to keep pace with sustainability in UK property.
• Continued commitment to flexible lending criteria: Including options for various LTV bands and ownership structures.

What Should Borrowers Do Next?

If you are considering a mortgage or remortgage with BM Solutions, and want to access the most competitive, sustainable options like the BM Solutions energy efficient mortgages 2025, review your property’s Energy Efficiency Rating as soon as possible. Our expert team can help you:

• Assess which BM Solutions mortgage product you qualify for
• Explore options to improve your property’s energy rating
• Secure competitive rates suited to your investing or homeownership goals

Speak to our mortgage experts today for tailored advice and to ensure you’re maximising your mortgage opportunities with BM Solutions.

FAQs on BM Solutions Energy Efficient Home Product Updates

• Who can apply for BM Solutions’ Energy Efficient Home mortgages?
  Applicants with properties that have an Energy Efficiency rating of Band A or B (81 or higher) are eligible for the Energy Efficient Home range. Other products are available for lower bands.
• What is the minimum energy rating required for any BM Solutions mortgage?
  All mortgaged properties must have an energy efficiency rating of Band E or above.
• How will these changes impact my eligibility for green mortgage rates?
  Only properties at Band A or B will access dedicated Energy Efficient Home products. Band C may require standard products or a separate product at higher LTVs.
• Can I upgrade my property to improve my mortgage options?
  Yes, improving your property’s energy rating to Band B or above can open up access to preferential green mortgage products with BM Solutions.
• How can I apply or get personalised advice?
  Contact our mortgage brokers today for a full assessment and to identify the best BM Solutions mortgage for your circumstances.