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For new business enquiries and case updates you can call us on the numbers below:

0345 850 5000

Lines are open Monday to Friday 8:00am–6:00pm.

Calls may be monitored and recorded for security and training purposes. 0345 numbers may not be available outside the UK (call 01422 861005 from outside the UK). The price of calls will vary by provider.

Making a Complaint

Should you have a problem we want to resolve this to your satisfaction in a timely manner. For guidance on logging complaints please view our complaints page for full details.


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Frequently Asked Questions

The FAQs below relate to the launch of our new online application system ‘BM Solutions Online’.

Registration 

 CAN I USE THE SAME LOG IN DETAILS FOR BM SOLUTIONS ONLINE AND
THE ONE MINUTE MORTGAGE?

When registering to place business with BM Solutions, you will be provided with two User IDs.

One for BM Solutions Online, which will allow you to submit new Buy to Let and Let to Buy mortgage applications. This username will be 10 characters long and consists of 4 letters and 6 numbers.

You will have a separate username for the One Minute Mortgage, which will allow you to submit Product Transfer and Further Advance applications. This username is 8 characters long and consists of 3 letters and 5 numbers.

While your User IDs will be allocated to you and cannot be changed, you will be responsible for setting your own password and memorable data


 MY FCA NUMBER AND POSTCODE ARE NOT RECOGNISED ON THE REGISTRATION SCREEN ON BM SOLUTIONS ONLINE?

Please make sure you use the FCA Number of your company and your office address. If you are still unable to locate your company please contact techincal support on 0345 850 5000 or your BDM.


Placing Business 

 WHAT ARE THE IMPROVEMENTS I WILL SEE WITH BM SOLUTIONS ONLINE?

You will have the ability to amend applications at all stages. BM Solutions Online has a built in document upload facility, improved case tracking and automated email updates. The system also allows for alternative lending proposal and declined decisions can be appealed via the system.


 WHAT ARE THE OPERATING HOURS OF THE NEW SYSTEM WHEN
APPLICATIONS CAN BE SUBMITTED?

BM Solutions Online is available 8am 8pm Monday to Friday, 8am 6pm on Saturday, closed for business on Sunday.


 WHO CAN I CONTACT IF I NEED HELP KEYING AN APPLICATION?

For details of our lending policy, please see the Criteria section of our website.

If you would like to discuss the details of a potential application or you need support keying an application, you can speak to your Business Development Manager.

If you have a technical query on an application you are trying to submit please contact our Broker Help Desk on 0345 850 5000.


 CAN A CUSTOMER STILL PORT A PRODUCT?

Yes but the process may be different depending on the scenario so please contact your BDM to discuss.


Post Application Submission 

 HOW WILL I RECEIVE CASE UPDATES?

All updates for cases with reference starting '60' keyed on BM Solutions Online will be provided by email throughout the process of the application. For cases with reference starting ‘20’ that have been keyed on the One Minute Mortgage, updates will be via the Mortgage Portal with some additional email updates being provided at key points in the application.


 WHERE CAN I GET SUPPORT ONCE AN APPLICATION HAS BEEN FULLY SUBMITTING?

For support on a fully submitted application please contact our Helpdesk team on 0345 850 5000.


Pipeline Applications 

 WHY IS THERE A COMPLETION DEADLINE FOR BUY TO LET AND LET TO BUY MORTGAGE APPLICATIONS SUBMITTED ON THE ONE MINUTE MORTGAGE?

We have launched a new system BM Solutions Online for all new Buy to Let and Let to Buy mortgage applications. The One Minute Mortgage will be available for an interim period for Product Transfer and Further Advance applications only.

The completion deadline for all applications submitted using the One Minute Mortgage System is 23rd April 2021. Any application that does not complete by that date will be cancelled by us and need to be rekeyed by you using our new system BM Solutions Online.

If you have submitted an application on the One Minute Mortgage and are aware that the client is not going to complete before 23rd April 2021 you must rekey this application using BM Solutions Online.


 IF I HAVE TO REKEY AN APPLICATION THAT WAS ORIGINALLY KEYED ON THE
ONE MINUTE MORTGAGE, WHAT HAPPENS IF THE NEW LENDING DECSION IS A REDUCED LOAN AMOUNT OR A DECLINE?

We have not made any changes to the way in which we assess affordability as part of the new system launch, therefore where an application has been submitted using the One Minute Mortgage but does not complete by 23rd April 2021 and has to be re-submitted using BM Solutions Online, we do not expect the lending decision to be impacted.

In exceptional circumstances, where there is an impact on the lending decision, if there have been no changes to the application or the client's circumstances will honour the lending decision originally promised. In this scenario, the application should be escalated to an underwriter using BM Solutions Online. Speak to your Business Development Manager for more information.


 IF I HAVE TO REKEY AN APPLICATION THAT WAS ORIGINALLY KEYED ON THE
ONE MINUTE MORTGAGE, WILL MY CLIENT BE RE-CHARGED FEES?

Where an application has been submitted using the One Minute Mortgage but does not complete by 23rd April 2021 and has to be re-submitted using BM Solutions Online, if a valuation fee applies the client will need to pay this again when the application is submitted using BM Solutions Online to ensure the new Mortgage Illustration and Offer accurately show the fees paid, however the original valuation fee paid when the application was submitted using the One Minute Mortgage will be refunded to the customer by us.

The same applies if the client chose to pay the product fee up front.

Following the submission of a re-submitted application, to ensure any applicable fees are refunded to your client you can contact our Mortgages Connect team on 0345 850 5000.


 IF I HAVE TO REKEY AN APPLICATION THAT WAS ORIGINALLY KEYED ON THE
ONE MINUTE MORTGAGE, WILL MY CLIENT BE RE-CREDIT SCORED?

Where an application has been submitted using the One Minute Mortgage but does not complete by 23rd April 2021 and has to be re-keyed using BM Solutions Online, a second credit search will be carried out on the client, however the original credit search carried out when the application was submitted using the One Minute Mortgage will be subsequently removed from the client's credit file by us.


 IS AN OFFER EXTENTION AVAILABLE PAST THE COMPLETION DEADLINE IF REQUIRED?

No, as of 23rd October 2020, an offer extension cannot be granted on any application submitted via the One Minute Mortgage. All applications must complete by 23rd April 2021.


Other 

 ARE THERE ANY CHANGES TO YOUR LENDING CRITERIA AS PART OF THE NEW SYSTEM LAUNCH?

Some small criteria changes have been implemented. See our lending Criteria for more information or contact your BDM to discuss.


 WHEN WILL MY PROC FEE BE PAID?

Proc fees will continue to be paid weekly.


 IS ANYTHING ELSE CHANGING THAT I NEED TO BE AWARE OF?

As we are moving to Lloyds Banking Group core systems, customers will benefit from all customer records being on the same platform and amending information with other brands within the group will update all records on the core systems e.g. If you key a correspondence address on a BM application, the customers details on their Halifax current account will be updated too.

All products with Halifax, Bank of Scotland and Lloyds will be updated. Existing BM Solutions mortgages will not be updated until we move our current backbook over on to the core systems.


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.

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