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Important notice

Birmingham Midshires no longer offers mortgage products direct to customers. If you're an existing customer and need support with your current mortgage, please see our existing customer pages or contact us.

Manage your mortgage online

We have a new online platform that will allow you to manage your mortgage without having to call us.

The sign in link can be found in the top right corner of the website.

Bank of England Bank Rate announcement

On 1 August 2024 the Bank of England Bank Rate went down by 0.25% from 5.25% to 5%.

So, from 1 September 2024 we're changing our lender variable rates:

  • • BM Standard Variable Rate will go from 9.59% to 9.34%

If your mortgage is on a lender variable rate, we’ll let you know your new monthly payment before it is due. But you can see how much your monthly mortgage payment could change and find out what happens next, by using our Rate Change Calculator.

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

Support for our residential mortgage customers

We understand you might be worried about the rising costs of living - we're here to help. To support you through this difficult time, we've introduced a range of options that could help you stay on top of your mortgage payments.

Mortgage support

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.

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.