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Application process

Step One - Submit Application

Submit your portfolio landlord application via BM Solutions Online. As part of the application, upload proof of income for all applicants. We need proof of every source of income for each applicant. If mortgaged properties within the portfolio are held in a limited company we will also require the latest mortgage statement or mortgage offer (if completed in the last 12 months).

For applications started before 09 November 2023, complete the Portfolio Landlord section in the Mortgage Portal.


Step Two - Portfolio Landlord Support Team

You will be allocated a dedicated case handler from our Portfolio Landlord Support Team, and they will make contact with you. They will assist you with any final steps to prepare your case for underwriting, and instruct the valuation. You can contact the team at any point for support during the application process on 0345 6020914.

Step Three - Underwriting

Our specialist underwriters will review your application. They will contact you to advise you of their decision, and may request further information to support the application.


Since 6 April 2020, tax relief on finance costs for landlords of residential properties is restricted to basic rate of income tax, regardless of which tax band the landlord falls into. Accordingly, profit from land and property as it appears on a tax calculation no longer has finance costs deducted. Our underwriters will deduct the finance costs from the profit from land and property to understand what the client's useable income figure is. Where this results in useable income falling below the minimum required for portfolio landlord applications, or falling to a level which raises affordability concerns, this may lead to a decline decision.

Step Four - Valuation and Offer

Once the valuation has been carried out and application has been fully underwritten and agreed, your case should move to offer.

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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