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Important notice

Birmingham Midshires customers who have recently completed on their mortgage will have a 14 digit mortgage account number beginning with 60 and will need to refer to the relevant sections on this website for specific information that relates to 60/ accounts only.

Supporting Customers Impacted by Covid-19

If the coronavirus (Covid-19) has had an impact on your personal or rental income, you might be concerned about keeping up with your mortgage payments.

Please don't worry. We have a number of ways to help, until things get back to normal. You can find out more about the help available to you by using our Covid-19 Support Tool.

Our advisers are much busier than usual so we've created new ways to get you to the right support as quickly as possible.

Covid Support Page

If you have already applied for a payment holiday and would like to cancel it, please use our cancel a payment holiday form.

If you have cancelled your Direct Debit

You'll need to set up another one to cover your new monthly amount, before your next payment is due.

Bank of England rate change announcement

On Thursday 19th March a further decrease in the Bank of England base rate was announced, moving it from 0.25% down to 0.1%. This follows the previous reduction announced on Wednesday 11th March.

As a result, our variable rate will be changed in-line with these decreases.

With effect from 1 April 2020:

  • • Birmingham Midshires Standard Variable Rate currently at 5.09% will decrease down to 4.59%.

With effect from 1 May 2020:

  • • Birmingham Midshires Standard Variable Rate will further decrease to 4.44%

If your mortgage is affected by either or both of these changes, we'll write to you and confirm 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.

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