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            <h2>Important notice</h2>
            <p><strong>Bank of England rate change announcement</strong></p>
            <p>On 22nd June 2023 the Bank of England Bank Rate went up by 0.5% from 4.5% to 5%.</p>
            <p>So, from 1st August 2023 we're changing our lender variable rates, because of an increase to our cost of lending:</p>
            <ul>
              <li style="padding: 0 0 0 10px;">• BM Standard Variable Rate will go from 8.84% to 9.34%</li>
            </ul>
            <p>If your mortgage is on a lender variable rate, we'll let you know your new monthly payment before it is due. But you can see how much your monthly mortgage payment could change and find out what happens next, by using our
              <a href="/existing-customers/base-rate-calculator">Rate Change Calculator</a>.</p>
            <p>Find out more about the <a href="/existing-customers/base-rate-information/">Bank of England Base Rate and your mortgage</a>.</p>
            <p><strong>Homes for Ukraine</strong></p>
            <p>If you're planning to support the government scheme to house Ukrainian refugees, we're supporting you by making the process as simple as possible.</p>
            <p>You won't need to notify us if you're providing:</p>
            <ul>
              <li style="padding: 0 0 0 10px;">• a room(s) in your own home (current limit of 2 lodgers will not apply)</li>
              <li style="padding: 0 0 0 10px;">• a residential property you own (there's no need to request consent to lease but you'll need to obtain a tenancy agreement)</li>
              <li style="padding: 0 0 0 10px;">• your Buy To Let property (normal mortgage and letting conditions apply, and you need to obtain a tenancy agreement).</li>
            </ul>
            <p>It's important you consider whether by providing this support you are still able to afford your household bills, pay your mortgage and it doesn't put you in financial difficulty. You may wish to look at any government guidance issued.
            </p>
            <p>You should also check with your building/contents insurer to see if you need their consent.</p>
            <p><strong>Birmingham Midshires mortgages</strong></p>
            <p>With effect from 11th September 2021, we are changing the way we manage some Birmingham Midshires mortgages. If you are impacted by this change, we will write to you in the following weeks to explain what's changed, including your new
              account number. You will receive this letter by mid-October, if you have any queries, please call us on 0345 300 2627.</p>
            <p>This gives an overview of the changes we made: <a href="/documents/public/things-to-know-about-your-account.pdf" target="_blank">Things to Know About Your Account</a> (PDF, 49KB). </p>
            <p>Birmingham Midshires no longer offers mortgage products direct to customers. This includes servicing existing customers with product transfers, further advances and mainstream mortgages.</p>
            <p>If you have a Buy to let mortgage, to find out more about the products we offer through the intermediary channel please contact an independent financial adviser. If you have a Residential mortgage, you can find more information about
              how we can help you on our <a href="/existing-customers/">Existing Customers page</a>.</p>
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        <p>Your home may be repossessed if you do not keep up repayments on your mortgage</p>
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        <a title="This link will open in a new window." target="_blank" href="http://www.adobe.com/accessibility/" rel="external">To view PDF documents you will need the latest version of reader. To read the PDF document with a screen reader please link to the Access Adobe website</a>.
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    <p>For telephone line opening times, please read the information in our <a href="/contact-us/">contact section</a>. Calls may be monitored and recorded for security and training purposes.</p>
    <p>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
      <a href="https://www.bankofengland.co.uk/" rel="external" target="_blank" title="This link will open in a new window.">Bank of England website </a>or in the Financial Times or other leading newspapers.</p>
    <p><a href="/existing-customers/security-and-privacy/">Security and privacy policy</a></p>
    <p></p>
    <p>© Birmingham Midshires</p>
    <p>This site is intended for UK residents unless otherwise stated. Mortgage Loans will be made by Birmingham Midshires.<br> Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The
      Mound, Edinburgh, EH1 1YZ.<br> To contact the FCA Consumer helpline, please ring 0800 111 6768 or visit
      <a href="https://www.moneyadviceservice.org.uk/" rel="external" target="_blank" title="This link will open in a new window.">moneyadviceservice.org.uk/</a>.</p>
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Skip to main content


IMPORTANT NOTICE

Bank of England rate change announcement

On 22nd June 2023 the Bank of England Bank Rate went up by 0.5% from 4.5% to 5%.

So, from 1st August 2023 we're changing our lender variable rates, because of an
increase to our cost of lending:

 * • BM Standard Variable Rate will go from 8.84% to 9.34%

If your mortgage is on a lender variable rate, we'll let you know your new
monthly payment before it is due. But you can see how much your monthly mortgage
payment could change and find out what happens next, by using our Rate Change
Calculator.

Find out more about the Bank of England Base Rate and your mortgage.

Homes for Ukraine

If you're planning to support the government scheme to house Ukrainian refugees,
we're supporting you by making the process as simple as possible.

You won't need to notify us if you're providing:

 * • a room(s) in your own home (current limit of 2 lodgers will not apply)
 * • a residential property you own (there's no need to request consent to lease
   but you'll need to obtain a tenancy agreement)
 * • your Buy To Let property (normal mortgage and letting conditions apply, and
   you need to obtain a tenancy agreement).

It's important you consider whether by providing this support you are still able
to afford your household bills, pay your mortgage and it doesn't put you in
financial difficulty. You may wish to look at any government guidance issued.

You should also check with your building/contents insurer to see if you need
their consent.

Birmingham Midshires mortgages

With effect from 11th September 2021, we are changing the way we manage some
Birmingham Midshires mortgages. If you are impacted by this change, we will
write to you in the following weeks to explain what's changed, including your
new account number. You will receive this letter by mid-October, if you have any
queries, please call us on 0345 300 2627.

This gives an overview of the changes we made: Things to Know About Your Account
(PDF, 49KB).

Birmingham Midshires no longer offers mortgage products direct to customers.
This includes servicing existing customers with product transfers, further
advances and mainstream mortgages.

If you have a Buy to let mortgage, to find out more about the products we offer
through the intermediary channel please contact an independent financial
adviser. If you have a Residential mortgage, you can find more information about
how we can help you on our Existing Customers page.

Your home may be repossessed if you do not keep up repayments on your mortgage

To view PDF documents you will need the latest version of reader. To read the
PDF document with a screen reader please link to the Access Adobe website.

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/.

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