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Important notice

With effect from 1 October 2011, Birmingham Midshires will no longer offer mortgage products direct to customers. This will include servicing existing customers with product transfers, further advances and mainstream mortgages. To find out more about the products we offer through the intermediary channel please contact an independent financial adviser.

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June 2015 - Important information for clients who currently receive benefits from the Department of Work and Pensions (DWP) towards their monthly mortgage payments

We have been advised by the DWP that there will be a reduction in the interest rate used to calculate the amount of benefits the DWP will pay relating to mortgage payments. This means the DWP contribution to your monthly mortgage payments will be reduced. Please wait for the letter you will receive from the DWP in the next few weeks outlining how this will affect the level of benefit payment they make towards your monthly mortgage interest.


What to do when you receive your letter

Once you receive your letter advising you of the change in benefit contribution made by the DWP to your mortgage, it is your responsibility to ensure the difference between their contribution and the required monthly mortgage payment is paid.

The change in the benefit contribution you will receive is effective from 6th July


Standing Order Customers

If you want to change your standing order, please contact the Bank you make your mortgage payments from.


Direct Debit Customers

If you want to change your direct debit, please call us on 0345 300 2627 once you have received confirmation from the DWP of its new monthly contribution.

Find out how to get in touch if you have any concerns about paying your mortgage

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Our tracker rate mortgages are linked to Bank of England Bank Rate (also known as Bank of England repo rate). Details of this rate can be found on the Bank of England website or in the Financial Times or other leading newspapers.

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© Birmingham Midshires

This site is intended for UK residents unless otherwise stated. Mortgage Loans will be made by Birmingham Midshires.
Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.
To contact the FCA Consumer helpline, please ring 0800 111 6768 or visit www.moneyadviceservice.org.uk/.