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Product Transfers

You will need a 10 character user ID to log in to BM Solutions Online. To submit a product transfer, please log in.

If you do not have a 10 character user ID, please follow our registration guidance.

For detailed guidance on how to navigate and key a Product Transfer application on BM Solutions Online or if you want to check our Frequently Asked Questions, please follow this guide.

Alternatively you can use our quick guide to keying a Product Transfer.

How can I cancel a product transfer?

When can I apply?

You will be unable to apply for a Product Transfer and a Further Advance application at the same time. A product transfer application can't be started until a further advance application has completed and funds have been released. A further advance application can't be started until a product transfer application has been submitted and the new product has taken effect/started. If a Product Transfer application is submitted and subsequently cancelled you will need to wait until the 1st of the following month before applying for a Further Advance application.

We do not carry out credit scoring or underwriting on a product transfer application.

You can apply for a Product Transfer on a current BTL or LTB mortgage where your client is within the last 6 months of an existing product. Customers must be resident in the UK on application.

Before applying


You can find out the current valuation of the property in the Summary of Accounts screen at the start of the Product Transfer application.

If the applicant(s) would like to pay for a revaluation of the property you will need to complete a Product Transfer Revaluation Authority form. The revaluation will need to be carried out prior to you submitting a Product Transfer application.

Our current revaluation fees can be found here.

Submitting an application

If you have an on screen message whilst keying an application which requires you to update the customers account prior to submission of the Product Transfer application. For support with making changes to a customers account, please see our Existing Customers section.


If your client no longer wishes to proceed with a product transfer this can be cancelled from the date of application until up to 28 days from the date on their product transfer completion letter. 'Completion' of a product transfer will take place in the month before the new rate takes effect.

When a PT has been future dated completion will be early in the month before effect, and if keying a PT to start from the following month completion will take place shortly after the offer has been produced.

If you wish to change the new product selected on a product transfer offer, you must first cancel the existing PT application and then key a new application.


On your My Applications page find the required PT tile and click the ‘Cancel’ button. You can then key a new PT application as normal. If the ‘Cancel’ button does not show this means the PT has already completed and a ‘Completed’ status will show on the My Applications page.


A PT can only be cancelled within 28 days of the date of the customer’s completion letter. To cancel please complete our cancellation form.

We will email you to confirm when the cancellation has been completed. Any new PT application cannot be keyed until you receive this confirmation.

Cancel a completed product transfer

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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