Halifax and BM Solutions Product Transfers for Free

Published 16 April 2014 · Last reviewed 1 May 2026

Free Mortgage Service for Halifax and BM Solutions Product Transfers.

Since the Mortgage Market Review, Halifax for Intermediaries and BM Solutions (formerly known as Birmingham Midshires) have been reluctant to engage their existing customers as they are not able to offer advice.

However, the good news is products can still be accessed by a registered authorised mortgage intermediary such as Niche Advice Limited. By providing some basic information we can help existing Halifax and BM Solutions Buy to Let mortgage customers transfer onto a more competitive mortgage rate for free of charge. Note we can’t help with on BM Solutions residential cases.

Generic advantages of a Product Transfer:

Better interest rates
No or little status checks
No valuation fees
No legal fees
Fix your payments
Quick processing time

Why Niche Advice Limited:

Fully independent
Authorised and Regulated Buy the FCA
All of our staff hold CeMap or higher qualifications
There is absolutely NO CHARGE for our Product Transfer service

Initial enquiry · No obligation

Speak to a specialist mortgage adviser today.

Independent UK specialist mortgage broker. Free initial review — your enquiry will not affect your credit file.

Whole of Market. FCA-regulated independent advice — specialist mortgage broking since 2008.
Specialists in complex cases. Self-employed, visa applicants, foreign nationals, adverse credit and bridging.
Call-back from a qualified adviser. We’ll get back to you as soon as we can during working hours.

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Payam Azadi Director – Specialist Finance Expert

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Free initial review · No obligation

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. A small number of buy-to-let mortgages are FCA-regulated — typically Consumer Buy-to-Let (where the borrower is not acting in the course of a business, such as an accidental landlord who has inherited or moved out of a former main residence) and Family Buy-to-Let (where the property is let to an immediate family member). Limited-company buy-to-let, portfolio buy-to-let and standard personal-name buy-to-let are not regulated by the FCA.

Where the underlying mortgage is not FCA-regulated, the lender's conduct on that loan is not covered by FCA rules and you may have reduced access to the Financial Ombudsman Service for complaints about the lending decision or product terms. However, Niche Advice Limited is a Credit Broker authorised and regulated by the Financial Conduct Authority (FCA No: 750263), and our broking activity — including the introduction we make to the lender — IS FCA-regulated under the FCA's CONC rules. Complaints about our broking service can therefore be referred to the Financial Ombudsman Service in the usual way.