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About Us

About BM Solutions

BM Solutions is dedicated to supporting intermediaries with competitive products, forward-thinking technology and award-winning service.

One Minute Mortgage

Our unique One Minute Mortgage system revolutionised the mortgage market, and lets you submit all your applications online - providing an online decision in 60 seconds. The system is available 24 hours a day, 7 days a week, so you can submit business when it suits you.

Supporting your business

We're committed to supporting you and your clients, through our highly trained call centre and experienced team of BDMs. Our award-winning 5-star service comes as standard but we don't take things for granted. We're continually refining our products and criteria to suit your needs.

We know how important it is for you to have all the tools you need to do business. With our Buy to Let Calculators and our BDM finder, you have all you need to do business with BM Solutions.

Our people

We have a great team of industry experts, working together to make sure our service and products are always ahead of the market.

Phil Rickards, Head of Sales

Phil Rickards, Head of Sales

As Head of Sales, Phil has responsibility for the day to day management of the BM Solutions sales teams in the intermediary market. This includes three sales regions, business development managers and a team of business development consultants.

In his 14 year career at BM Solutions, Phil has been a financial adviser, area sales manager, regional sales manager and national sales manager. He has seen the business develop from a small building society into one of the UK's leading specialist lenders during this time.

For the use of mortgage intermediaries & other professionals only

If you do not have professional experience, you should not rely on the information contained on this site. If you are a professional and you reproduce any part of the information contained on this site, to be used with or to advise private clients, you must ensure it conforms to the Financial Services Authority's advising and selling rules. These pages are for the use of those people who are resident and ordinarily resident in the UK and should not be regarded as an offer or invitation to sell Mortgage products in any jurisdiction other than the UK.

Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered office; The Mound, Edinburgh, EH1 1YZ

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