Statement information

Look at this section if you require a copy statement, a part year statement, redemption or closing statement for your mortgage account. This section may also help you if you have a query after receiving your annual mortgage statement or a query with the balance on your mortgage account.

Our contact details for any queries are as follows:

Birmingham Midshires Mortgage Servicing
PO Box 833
LEEDS
LS1 9PU

Fax:

0345 835 7854

Phone:

0345 300 2627

Mortgage interim statements

This statement is manually produced upon your request and covers the period from the start of your current statement year to the date the statement is produced.

It shows all transactions made during this period. We also detail the opening balance and provide the interest figure applicable. You can order a mortgage interim statement at any time by telephone or letter.

Closing statements

When your mortgage redeems you can order a closing statement free of charge. This statement covers the period from the start of your final statement year up to the date of redemption. It shows all transactions made during this period. We also detail the opening balance and provide the interest figure applicable for this period.

You can order your closing statement at any time by telephone or letter. Please note that if you've changed address since your mortgage account closed, you'll need to confirm the correct address in writing for us to send your statement to.

Copy statement requests

We can provide copies of any annual or anniversary statements for you. You can order a copy of your mortgage statement at any time by telephone or letter.

Statement queries

If you have any queries regarding your anniversary statement, firstly please refer to the notes enclosed with your statement as these may answer your query without the need for you to contact us. Alternatively, please contact us by telephone or letter and we will be happy to help you.

Redemption statement requests

A redemption statement details how much we require from you to close your loan account on or before a specified date. You may require this for information purposes or because you intend to close your account. You can order a redemption statement at any time by telephone or letter. Please remember to specify the date that you'd like us to calculate your figure up to. Also, if applicable, tell us if you'd like the figure to be based on your insurance policy being cancelled or continued at redemption.

Once produced we'll send you the redemption statement along with a breakdown. The breakdown will show you what the redemption figure comprises of.

Solicitors who are a member of the Lloyds Banking Group Panel can request redemption statements from the following website: http://www.halifax.co.uk/conveyancers.

Redemption statements will be returned via fax within 3 hours.

Balance enquiries

If you have any queries regarding the balance outstanding on your account please contact us by telephone or letter. We will then be happy to help you.

If your query is regarding why has the balance increased, have you checked the following things?

1. Does your statement detail all of your correct monthly payments?
2. Have any fees been added to your account? If so there is a leaflet enclosed with the statement, which should show you what the fee was for.
3. Have your monthly payments covered your yearly property insurance premium?
4. Is your account included in the annual repayment change scheme? If so your balance will fluctuate as the interest rate changes. This is because your payment remains the same for the whole year regardless of interest rate changes. If the rates increase in a year then so will your balance but if the rates reduce, your balance will also.