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Overpayments

I want to make a lump sum repayment. What do I need to do?

You may wish to repay some of your mortgage. This is possible however some mortgage products have an early repayment charge if this is done.

If a charge is applicable this will be shown either on your mortgage offer or on a transfer authority form if you changed mortgage products after your account started. If a charge applies you must make a payment to cover it.

The lump sum payment can be paid via your bank. Our details are:

Lloyds Bank
Sort code: 30-02-50
Account number: 04968773
Account name : Birmingham Midshires

Please ensure the payment reference states:

  • Mortgage account number
  • Customer surname (if reference field allows)

Keeping your account safe

We've introduced a new way to keep your payments even safer. The Confirmation of Payee (COP) service adds more protection to your payments and shields you from fraud and scams. It checks that all details match before your bank sends a payment. When setting up a payment to someone for the first time, you will see a pop up message showing the results of the confirmation of payee check. At the moment, some banks' systems may not show a match when you enter our account details. Please make sure that you enter the correct account details, as shown above.

International payment details:
GB70 LOYD 3002 5004 9687 73

Cheques can be sent to our lending correspondence team at:

Birmingham Midshires Mortgage Servicing
PO Box 833
Leeds
LS1 9PU

If your lump sum payment is £1000.00 or more in addition to your normal monthly repayment we will calculate a new mortgage payment for you and will write and confirm this to you.

If you would like any further information please contact the lending call centre on 0345 300 2627.

Customers with a mortgage account number with a 60/ prefix

Lloyds Bank
Sort code: 30-00-00
Account number: 00332275
Account name: Birmingham Midshires

Please ensure the payment reference states:

  • Mortgage account number
  • Customer surname (if reference field allows)

International payment details:
GB70 LOYD 3000 0000 3322 75

Cheques can be sent to our lending correspondence team at:

Birmingham Midshires Mortgage Servicing
PO Box 833
Leeds
LS1 9PU

We will not automatically calculate a new mortgage payment for a lump sum payment. If you would like a new monthly payment calculated, please contact us on the number below.

If you would like any further information please contact the lending call centre on 0345 300 2627.

Setting up a regular overpayment

You can set up regular overpayments by standing order from any bank using:

Lloyds Bank
Sort code: 30-02-50
Account number: 04968773
Account name: Birmingham Midshires

Please ensure the payment reference states:

  • Mortgage account number
  • Customer surname (if reference field allows)

You can amend your Direct Debit to make a regular overpayment or fixed payment using our online form.

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/.