Mortgages

BM Solutions Mortgages

Specialist buy-to-let mortgages from BM Solutions, part of Lloyds Banking Group. Products for single properties, portfolios, HMOs, and limited companies.

Buy-to-Let Specialist

The landlord's lender of choice

BM Solutions is one of the UK's largest and most established buy-to-let mortgage providers. Part of Lloyds Banking Group, they have been serving landlords for over two decades, building deep expertise in the rental property market.

Whether you are purchasing your first buy-to-let property or expanding an established portfolio, BM Solutions offers competitive products designed specifically for landlords. Through Doulton, you access their full intermediary range with expert guidance on structuring your borrowing.

BTL

Only Lender

Lloyds

Backed

75%

Max LTV

SPV

Available

Why Doulton

BM Solutions buy-to-let through Doulton

Dedicated Buy-to-Let Lender

BM Solutions focuses exclusively on buy-to-let lending, meaning their entire product range, criteria, and underwriting expertise is built around the needs of landlords and property investors.

Lloyds Banking Group Strength

As part of Lloyds Banking Group, BM Solutions combines specialist buy-to-let focus with the financial strength and stability of one of the UK's largest banking organisations.

Portfolio Landlord Products

BM Solutions has a clear and workable approach to portfolio landlords, offering products for investors with four or more mortgaged properties without excessive documentation requirements.

Limited Company Lending

BM Solutions offers buy-to-let mortgages through SPV limited companies, supporting landlords who have restructured their portfolios for tax efficiency following recent legislative changes.

HMO and Multi-Unit

Products available for houses in multiple occupation and multi-unit freehold blocks, extending BM Solutions' lending capability beyond standard single-let buy-to-let properties.

Competitive Rates

BM Solutions regularly features in buy-to-let best-buy tables, offering competitive fixed rates across a range of loan-to-value bands and product terms.

The Process

How it works

Portfolio Review

We review your existing portfolio and new purchase requirements to identify the right BM Solutions product, considering your wider landlord strategy and tax position.

Rental Assessment

We calculate the rental coverage required by BM Solutions and confirm the maximum borrowing available based on current or projected rental income for the property.

Application Submission

We submit your application through BM Solutions' intermediary platform with all necessary documentation, including portfolio schedules for landlords with multiple properties.

Offer and Completion

We track your application through valuation and underwriting to offer, then coordinate with your solicitor to complete on your target date.

Get a BM Solutions buy-to-let quote

Whether you are buying your first rental property or refinancing an existing portfolio, we can access BM Solutions' competitive buy-to-let products for you.

Get a Quote Portfolio Review

FAQs

Frequently asked questions

Can I get a BM Solutions mortgage through Doulton?

Yes. We hold broker agencies with BM Solutions where available and can access their intermediary product range. Where BM Solutions is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to BM Solutions via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if BM Solutions cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does BM Solutions offer?

BM Solutions's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what BM Solutions can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.