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About BM Solutions

BM Solutions is the Buy to Let brand of Lloyds Banking Group, focusing on traditional BTL, small to medium sized portfolios all backed up by award winning service.

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 BM Solutions

Phil Rickards, Head of BM Solutions

Phil has had a career in financial services spanning 30 years to date, starting with the Commercial Bank of Wales as a Junior Clerk, moving to Pearl Assurance as an underwriter and then TSB for a variety of roles including Claims Management and Marketing. He joined Birmingham Midshires Building Society in 1993 as a Financial Adviser, before progressing to Supervisor, Area and Regional Manager and eventually taking on the Head of Sales role.

Today, as Head of BM Solutions Phil has responsibility for the field-based and telephony business development teams, and ensuring the delivery of Lloyds Banking Group’s Buy to Let commitment. He is Lloyds Banking Group's ambassador for the housing charity Shelter.

In his spare time, Phil is a keen golfer and skier and has run a number of half marathons for charity.

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 Conduct 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

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 169628. Telephone number 0345 850 5000. Telephone calls may be monitored or recorded.

House Purchase
First Time Buyer
Existing Mortgage Customers only
Available for further borrowing
Further Borrowing only
Only available with BM Conveyancing
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