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Important notice

Bank of England rate change announcement

Following the 0.25% rise in the Bank of England Base Rate we have reviewed our current mortgage rates. We will be making the following changes with effect from 1st June 2022:

  • • BM Standard Variable Rate currently at 5.09% will increase by 0.25% to 5.34%.

If your mortgage is affected, we'll write to you to let you know your new monthly payment before it is due.

Use our Rate Change Calculator to get an idea of how much a monthly mortgage payment might change by, following a Bank of England Base Rate change.

Find out more about the Bank of England base rate and your mortgage.

Homes for Ukraine

If you're planning to support the government scheme to house Ukrainian refugees, we're supporting you by making the process as simple as possible.

You won't need to notify us if you're providing:

  • • a room(s) in your own home (current limit of 2 lodgers will not apply)
  • • a residential property you own (there's no need to request consent to lease but you'll need to obtain a tenancy agreement)
  • • your Buy To Let property (normal mortgage and letting conditions apply, and you need to obtain a tenancy agreement).

It's important you consider whether by providing this support you are still able to afford your household bills, pay your mortgage and it doesn't put you in financial difficulty. You may wish to look at any government guidance issued.

You should also check with your building/contents insurer to see if you need their consent.

Birmingham Midshires mortgages

With effect from 11th September 2021, we are changing the way we manage some Birmingham Midshires mortgages. If you are impacted by this change, we will write to you in the following weeks to explain what's changed, including your new account number. You will receive this letter by mid-October, if you have any queries, please call us on 0345 300 2627.

This gives an overview of the changes we made: Things to Know About Your Account (PDF, 49KB).

Birmingham Midshires no longer offers mortgage products direct to customers. This includes servicing existing customers with product transfers, further advances and mainstream mortgages.

If you have a Buy to let mortgage, to find out more about the products we offer through the intermediary channel please contact an independent financial adviser. If you have a Residential mortgage, you can find more information about how we can help you on our Existing Customers page.

For telephone line opening times, please read the information in our contact section. Calls may be monitored and recorded for security and training purposes.

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.

Security and privacy policy

© 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 moneyadviceservice.org.uk/.