Posted on November 25, 2025

BTL Maximum Age 99: BM Solutions Increases Buy to Let Term Limits

BTL maximum age 99 criteria update for BM Solutions Buy to Let mortgages

BTL Maximum Age 99: Major Update to Buy to Let Mortgage Criteria

Birmingham Midshires (BM Solutions) has announced a significant update to its Buy to Let mortgage criteria, increasing the maximum age at the end of the mortgage term to 99 years old. This new BTL maximum age 99 policy comes into effect from 24 November and provides long-term landlords with far greater flexibility when managing their portfolios into later life.

For many investors, the ability to hold property well beyond retirement age is an important part of their financial plan. This lending change supports that shift and reflects the growing trend of landlords choosing to retain property for long-term rental income.

What’s Changed in the BTL Maximum Age 99 Criteria?

Under the updated policy, BM Solutions has confirmed several important points:

The maximum age at the end of term is now 99
The maximum age at application remains 75
The maximum mortgage term stays at 40 years
Applies to personal name and limited company BTL borrowing
Product Transfers can now extend the term up to the eldest applicant’s 99th birthday
Further Advances can also run to age 99
Standalone term extensions can be completed via Mortgage Servicing

This is one of the most flexible age-based criteria changes in the Buy to Let market. Many landlords have previously been limited by shorter maximum ages or forced into compressed terms, resulting in higher monthly payments. This update removes that pressure.

Why the BTL Maximum Age 99 Policy Matters for Landlords

The new criteria unlock several benefits for landlords. For example:

1. Longer-term borrowing options

Landlords can now access BTL mortgage term extensions much later in life, allowing them to reduce monthly payments or maintain existing borrowing without restrictions.

2. Better long-term cashflow

Extending a mortgage term up to age 99 can help lower monthly costs, particularly when managing rental properties that form part of a retirement income strategy.

3. More flexibility for portfolio planning

With age no longer a barrier, landlords can refinance, release equity, or raise capital for property improvements through a Birmingham Midshires mortgage or Further Advance.

4. Supports long-term investment strategies

The new Buy to Let mortgage criteria aligns much better with investors who intend to hold property into later life for income and inheritance planning.

Free BM Solutions Product Transfer Service

At Pinpoint Finance, we offer a completely free BM Solutions product transfer service, making it simple for existing BM customers to switch to a new rate.

Our free service includes:

No valuation
No legal work
No credit checks
No broker fee from us

This service not only helps landlords access a better rate quickly, but also allows us to review whether your existing mortgage could benefit from a BTL mortgage term to age 99 under the new rules.

If reducing payments or reshaping your long-term mortgage structure is a priority, this is an ideal time to review your product.

Extending Your Buy to Let Mortgage Term to Age 99

Landlords can now extend their mortgage term to age 99 through:

A BM Solutions Product Transfer
A Further Advance
Or a standalone term extension through Mortgage Servicing

This flexibility is extremely helpful for landlords later in life or those wanting to reduce outgoings and improve cashflow. The ability to extend your term to age 99 significantly reduces the pressure that previously came with strict age caps in the BTL sector.

Review Your Options Under the New BTL Maximum Age 99 Criteria

Whether you’re looking for a better rate, exploring a Product Transfer, or reviewing your long-term borrowing strategy, Pinpoint Finance can guide you through the updated BM Solutions criteria.

Speak to us today and we’ll run the numbers for you.

Whether you’re reviewing your existing mortgage, looking at new borrowing, or exploring a Product Transfer, we can help you understand your options under the updated criteria.