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BM Solutions

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.

Compare mortgages

Reason for mortgage
£
£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed 31/03/2019
Initial rate
2.04%then 4.59% (variable)
Fees
£2,040fees
Overall cost
4.2%APRC
Monthly cost
£681.29 for 24 months then £880.76 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,481 includes: Loan amount (£160,000); Interest (£99,441); Application fee (£995); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
2.09%then 4.59% (variable)
Fees
£2,040fees
Overall cost
4.2%APRC
Monthly cost
£685.20 for 24 months then £881.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,676 includes: Loan amount (£160,000); Interest (£99,636); Application fee (£995); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
2.19%then 4.59% (variable)
Fees
£1,045fees
Overall cost
4.2%APRC
Monthly cost
£693.06 for 24 months then £881.86 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,072 includes: Loan amount (£160,000); Interest (£100,027); Application fee (£0); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
2.24%then 4.59% (variable)
Fees
£1,045fees
Overall cost
4.2%APRC
Monthly cost
£697.02 for 24 months then £882.22 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,267 includes: Loan amount (£160,000); Interest (£100,222); Application fee (£0); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
2.24%then 4.59% (variable)
Fees
£1,045fees
Overall cost
4.2%APRC
Monthly cost
£697.02 for 24 months then £882.22 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,267 includes: Loan amount (£160,000); Interest (£100,222); Application fee (£0); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
2.29%then 4.59% (variable)
Fees
£2,040fees
Overall cost
4.3%APRC
Monthly cost
£700.98 for 24 months then £882.58 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,457 includes: Loan amount (£160,000); Interest (£100,417); Application fee (£995); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
2.34%then 4.59% (variable)
Fees
£1,045fees
Overall cost
4.3%APRC
Monthly cost
£704.96 for 24 months then £882.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,657 includes: Loan amount (£160,000); Interest (£100,612); Application fee (£0); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
2.34%then 4.59% (variable)
Fees
£1,045fees
Overall cost
4.3%APRC
Monthly cost
£704.96 for 24 months then £882.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,657 includes: Loan amount (£160,000); Interest (£100,612); Application fee (£0); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 11/12/2018
Initial rate
2.34%then 4.59% (variable)
Fees
£1,045fees
Overall cost
4.3%APRC
Monthly cost
£704.96 for 24 months then £882.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,657 includes: Loan amount (£160,000); Interest (£100,612); Application fee (£0); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
2.34%then 4.59% (variable)
Fees
£2,040fees
Overall cost
4.3%APRC
Monthly cost
£704.96 for 24 months then £882.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 25 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,652 includes: Loan amount (£160,000); Interest (£100,612); Application fee (£995); Valuation fee (£455); Legal fee (£295); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About BM Solutions

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 choose from a wide selection of fixed rate and tracker mortgage deals, spread over terms from one to five years.

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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