Birmingham Midshires is one of the larger specialist lenders in the UK. They specialise in providing mortgages to customers through the Birmingham Midshires Solutions mortgage brand.
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Birmingham Midshires was originally a building society, formed in 1986 after the Birmingham and Bridgewater Building Society merged with the Midshires Building Society. In 1999, the Halifax bought Birmingham Midshires. Not long after, Halifax and Birmingham Midshires were brought under the HBOS umbrella, and in 2009, HBOS was acquired by the Lloyds Banking Group, which Birmingham Midshires remains part of today.
Mortgages from Birmingham Midshires Solutions are only available from financial advisors and other intermediaries. They specialise in mortgages for landlords, property developers and UK property owners.
Birmingham Midshires Solutions has a range of different buy to let and let to buy mortgages, plus the option to transfer from one mortgage product to another. They have a dedicated website for buy to let mortgage applications, which is accessible to mortgage brokers and intermediaries. Their mortgage website features a one minute application system for speedy decisions.
Customers can transfer to a Birmingham Midshires Solutions mortgage from an existing buy to let mortgage. Transfers from a residential product are not permitted. Birmingham Midshires Solutions mortgages are not available to first time buyers. Applicants must be at least 25 years.
There are also a number of criteria applicable to mortgages taken out with Birmingham Midshires Solutions, which customers need to be aware of before applying. However a mortgage broker or other intermediary will be able to offer advice.
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