Website: Birmingham Midshires
Phone: 0500 228822
There is a wide selection of Birmingham Midshires mortgage products, especially for self-certified or bad credit customers; but with stringent conditions and moderate to high fees. Not as many flexible products as some other lenders.
Lawdy mama this is a shocking website. But we will forgive them that; on account of a very capable selection of mortgages. A matrix of fixed, flexible, discounted and tracker mortgages is available across standard, buy-to-let and self certification requirements. Not only are self-certified clients fully catered for, but there is a wider than average selection of products for those with credit difficulties- you can also find out immediately what criteria are acceptable under those circumstances. For example, there are products specifically for those with 6 months worth of mortgage arrears in the past 12 months.
The Birmingham Midshires mortgage service has a good reputation as a middle-of-the-range company (although it's no longer a mutual society, having been taken over by the Halifax and consequently HBOS). If you live in the midlands, there's a supporting branch network.
Fees on a Birmingham Midshires mortgage are moderate, ranging from £200-£500 for a £150,000 property, and you won't escape extras such as an own-insurer fee (£35), and watch out for sneaky extras such as an increased rate if you borrow above 90%.
