BM Solutions Announces Product Refresh: Rate Changes for Buy to Let and Let to Buy Mortgages

BM Solutions Updates Mortgage Product Range

BM Solutions, recognised as a leading UK buy to let mortgage lender and a part of Bank of Scotland plc, has announced a product refresh to take effect from Tuesday, 23 September 2025. The latest changes span a selection of their buy to let and let to buy mortgage products, including both personal ownership and product transfer ranges. These updates are especially relevant for landlords, property investors, and homeowners seeking flexible mortgage options in the UK.

Summary of Key Mortgage Rate and Product Changes

The upcoming product refresh introduces both rate increases and decreases — reflecting ongoing market dynamics and the lender’s commitment to maintaining a competitive portfolio. Here’s what borrowers and intermediaries need to know:

• Personal Ownership Buy to Let & Let to Buy: Selected fixed and variable rates will be increased or decreased across the range. This means some landlords may benefit from lower monthly repayments, while others may see rates edge up depending on the product chosen.
• Limited Company Buy to Let: No changes announced on this product range at this time, providing consistency and predictability for borrowers operating through a company structure.
• Product Transfers and Further Advances: Both rate increases and decreases are being applied across select product lines. Importantly, the completion by dates for these products have also been extended, giving applicants greater flexibility to complete their mortgage process within new timeframes.

If you are applying for an existing BM Solutions product, ensure your application is fully submitted before 8pm on Monday, 22 September to secure the current rates.

How These Updates Impact UK Buy to Let Borrowers

These rate adjustments may affect investors and landlords in different ways, depending on their chosen product and application timing. Borrowers who act quickly could lock in a more favourable rate, while others may benefit from the downward movements in select products such as let to buy or further advance options. Extending the deadlines for completion is a bonus for those needing extra time for processing or documentation.

Who Stands to Benefit?

• Existing BM Solutions Customers: Those looking to transfer their mortgage product or apply for a further advance may gain from more flexible completion windows and rate adjustments.
• Personal Buy to Let and Let to Buy Landlords: Rate changes could allow current or prospective landlords to access more competitive deals, depending on movement in their chosen product line.
• Limited Company Borrowers: With no current changes, this group benefits from continued rate stability.

Current Promotions and Flexibility Features

While no specific new promotions were stated in this update, BM Solutions’ product refresh highlights their ongoing commitment to offering flexible options via:

• Dedicated products for both individual and company landlord structures
• Product transfer and further advance facilities, offering options to existing borrowers without requiring a full remortgage
• Timely updates and transparent criteria to help intermediaries and clients make informed decisions

Why Consider BM Solutions for Your Buy to Let Mortgage?

BM Solutions stands out for specialising in buy to let and let to buy mortgages, with a focus on practical criteria and consistent market presence:

• Sector-leading expertise in landlord and investment mortgages
• Comprehensive range of options for personal and limited company borrowers
• Regular criteria and rate refreshes to reflect market trends
• The backing and stability of Bank of Scotland and Lloyds Banking Group

Next Steps: Secure the Right Mortgage Advice

Given rate changes and evolving criteria, it’s critical to get up-to-date, expert advice. Contact our experienced mortgage brokers today to review your options, discover the latest best buy-to-let rates, or learn how these changes affect your current or future mortgage plans.

• Explore current mortgage deals
• Visit BM Solutions for product details
• Or call us on 02392 006428 for tailored advice

Frequently Asked Questions (FAQs)

• Who qualifies for BM Solutions’ buy to let products?
  Landlords (both individuals and limited companies) who meet BM Solutions’ lending criteria, including minimum income and property type requirements, can apply. Specific eligibility varies; contact us for a personalised assessment.
• How do the latest rate changes affect my monthly repayments?
  If your selected product’s rate decreases, your monthly payments may be reduced. Conversely, a rate increase could mean higher repayments. Our advisors can perform a tailored calculation.
• Is BM Solutions suitable for limited company landlords?
  Yes. BM Solutions offers a dedicated range for limited company buy to let borrowers, and as of this update, their rates and criteria remain unchanged for this segment.
• Can I still apply for an old product after the update?
  Applications for older products must be submitted in full before 8pm on 22 September. After this, only new rate products will be available.
• How can I get personalised buy to let mortgage advice?
  Get in touch with our mortgage experts by phone or online for an assessment of your needs and the most suitable products from BM Solutions and other lenders.