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Mortgage support

Help and support options

Please read through all the information provided about each option before applying for any of them. None of these options will impact your credit score.

Making interest only payments or extending your mortgage term will mean paying more interest overall. You should continue with your current monthly payments if you can manage them comfortably.

Can't make your mortgage payments?

Switch to a new mortgage deal

Get peace of mind by securing a new fixed deal with Bank of Scotland and switch as soon as possible.

This might be suitable if you:

  • live in the mortgaged property and are up to date with your payments
  • are currently on a variable interest rate mortgage.

Birmingham Midshires no longer offer product switches, but we can offer help and support if you want to switch to a new deal with the Bank of Scotland. Switching would give you access to the current Bank of Scotland products and rates.

Please call 0345 725 3253 to discuss this further. Lines are open 8am-6pm Monday to Friday and 9am-1pm on Saturdays. We're not open on bank holidays.

Make interest only payments

Make interest only payments for six months to reduce your monthly payment amount and help get your budget back on track.

This might be suitable if you:

  • are up to date with your payments and don't have a Buy to Let mortgage
  • don't already make interest only payments on all of your mortgage
  • aren't currently taking a mortgage payment holiday.

Interest only payments

Cancelling an interest only payment arrangement

If you decide to cancel the payment arrangement before the six months comes to an end, you can let us know by completing our cancellation form (provided by Bank of Scotland).

Please remember, you can only apply once.

Extend your mortgage term

Extend your mortgage term to reduce your monthly payment amount and help you budget better for the long-term.

This might be suitable if you:

  • don't make interest only payments on all of your mortgage
  • are up to date with your payments
  • are looking to reduce your monthly payments for a longer period of time
  • understand you'll be paying your mortgage back later in life.

We can offer help and support through Bank of Scotland if you want to extend your mortgage term. Please call 0345 725 3253 to discuss this further. Lines are open 8am-6pm Monday to Friday and 9am-1pm on Saturdays. We're not open on bank holidays.

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 MoneyHelper.