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FAQ's
Frequently asked questions
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Can I do a BM Solutions product transfer myself?
Usually not. BM Solutions only works through mortgage brokers, so a broker needs to arrange your new rate.
How early can I apply for a BM Solutions product transfer?
Usually several months before your current deal ends. The new rate then starts on the day your existing deal finishes.
Do you charge a fee for a BM Solutions product transfer?
No. We don't charge a broker fee for product transfers. We're paid a fee by the lender instead.
Will BM Solutions run a new stress test?
Not usually on a like-for-like switch. A new stress test is normally only needed if you borrow more.
Do I need a solicitor for a BM Solutions product transfer?
No. A like-for-like switch doesn't involve any legal work.
Can I borrow more when I switch with BM Solutions?
Yes, through a further advance, which is assessed separately on current criteria, including the rental stress test.
What happens if I don't switch?
Your mortgage moves onto BM Solutions' standard variable rate, which is usually much higher than the rates on new deals.
I'm with Birmingham Midshires. Can you help?
Yes. Birmingham Midshires is part of the same group as BM Solutions, and we can check the rates available for your account and arrange the switch.
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