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Birmingham Midshire Mortgage Product Transfers

BM Solutions Product Transfers Made Simple

Drummonds Finance Group

If you have a mortgage with BM Solutions (Birmingham Midshires) and your current deal is coming to an end, you might be wondering what your options are. One thing many people don’t realise is that BM Solutions does not allow customers to go direct for a product transfer. Instead, you need to go through a mortgage broker.

At Drummonds Finance Group, we’re here to help. We offer free, no-obligation support to clients who want to stay with BM Solutions and secure a better rate through a Birmingham Midshires product transfer. We do not charge you a fee for the product transfer; we receive a referral fee from the lender.

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What is a BM Solutions Product Transfer?

A BM Solutions product transfer is when you switch to a new mortgage rate with your current lender, without changing the property or mortgage amount. It’s different from a remortgage, which involves switching to a new lender.

With a Birmingham Midshires product transfer:

  • You avoid full affordability checks in many cases

  • The process is faster and involves less paperwork

  • You stay with your existing lender and mortgage account

It can be a great way to avoid going onto your lender’s standard variable rate (SVR), which is often much more expensive.

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Why BM Solutions Requires a Mortgage Broker

BM Solutions (Birmingham Midshires) operates through intermediaries only. That means you cannot go directly to them to arrange your product transfer. You must use a registered mortgage broker, like us, to handle the switch.

We make the process straightforward. We’ll:

  • Check your current deal and when it ends

  • Compare available BM product transfer rates

  • Help you choose the right option for your needs

  • Complete the application on your behalf

All at no cost to you.

First-Time Buyer Mortgages​

When Can You Apply for a BM Solutions Product Transfer?

You can usually apply for a new rate up to 6 months before your current fixed or tracker deal ends. In the final 3 months of your deal, you can often switch without paying an early repayment charge (ERC).

Acting early helps lock in the best BM Solutions rates and avoids stress at the last minute.

How BM Solutions Values Your Property

BM Solutions uses an automated valuation model (AVM) to estimate your property’s value. This is based on data from local price trends. In some cases, a formal valuation may be required – we can guide you on whether this applies to you.

What You’ll Need for a Birmingham Midshires Product Transfer

  • Your mortgage account details

  • Confirmation of your current property and contact information

You usually don’t need to provide payslips or full income documentation for a simple BM product transfer – another benefit of staying with your existing lender.

Can You Borrow More from BM Solutions?

Generally, additional borrowing is not included in a standard BM Solutions product transfer. If you need to raise extra funds (for home improvements or debt consolidation), we’ll look at your options – this may require a further advance or a separate application.

Why Clients Choose Drummonds Finance Group

We support clients all across the UK with BM Solutions mortgages. Whether your property is in Oxford, Banbury, Bicester, London or beyond – we’re here to help.

Clients come to us because:

  • We don’t charge fees for BM product transfers

  • We know Birmingham Midshires' criteria and processes

  • We act fast and keep things simple

  • We help compare BM Solutions rates with other options

Even if you are happy with BM Solutions, it’s always worth checking whether staying put is still your best choice. We’ll give you honest advice, tailored to your situation.

Real Example

A recent client in Oxford had a BM Solutions buy-to-let mortgage coming to the end of its fixed rate. We helped them lock in a new 2-year fixed deal three months early, avoiding a jump in monthly payments and saving them over £1,500 per year.

What Makes Drummonds Different?

  • Local, independent Oxfordshire mortgage firm

  • Access to over 100 UK lenders — including exclusive deals

  • Evening & weekend appointments

  • Fast Agreement in Principle (AIP) turnaround

  • No hidden fees. No pressure. Just honest, expert advice.

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Tailored Advice, Exceptional Service

The Drummonds Advantage

At Drummonds Finance Group, we specialise in helping clients with BM Solutions (Birmingham Midshires) mortgages. Whether you’re approaching the end of a fixed rate or looking to avoid the standard variable rate, we provide expert, no-cost support with BM product transfers. Many clients come to us specifically because BM Solutions does not accept direct applications – and we’re proud to be a trusted broker for this lender across the UK.

Ready to simplify your mortgage journey? Contact us today to experience the Drummonds advantage with expert, personalised advice every step of the way.

Frequently Asked Questions

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