Birmingham Midshires Mortgage Review

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1.6 stars
Average rating for this product is: 1.6 out of 5

From 2 ratings and 13 reviews

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jackyhyland's Review of Birmingham Midshires Mortgage

25th May 2004

Overall Rating

0 stars
  • Value for money
    2 stars
  • Repayment Method
    Repayment
  • Product
    Fixed rate
Good Points

Telephone advisors very polite but as much use as a chocolate tea pot if a problem arrises.


Bad Points

Where do I start?
Total incompetence


General Comments

I have now been waiting three months for the outcome of my mortgage application to Birmingham Midshires. It should have been very straight forward. I was not applying for a vast ammount, I could easily meet the monthly payments, was in full time professional employment it should have taken aprox 21 days. That was until Birmingham midshires put the wrong product code on my application so it was returned from the underwriters when it was then lost in the system amongst a catalogue of other problems.
The main problem is I have been phoning constantly to check up on the progress, each time no one knows whats going on. They promise to look into it and phone you back the next day and you never hear from them again. I have not had so much as a single call returned. So here I am 3 months later, on tenderhooks not knowing what's going on and in a catch 22 situation where I cannot apply anywhere else while I have this application going through.
Take my advice KEEP WELL AWAY FROM BIRMINGHAM MIDSHIRES.

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Members' Comments onjackyhyland's Review

  • clive smith005 Rank: Lance Corporal on 1st Feb 2005

    I have now been trying to remortgage since Sept04 with Bradford & Bingley acting as brokers. Now in Feb 05 I still do not have a completed mortgage. Like you my borrowing are very small,less than 30% of the property value. You would think that with such low risk people they would be bending over backwards to secure you business.
    As you have mentioned one is constantly having to contact BM to find out any progress(if any!). I am now at the same point where I just want to pull out and go elsewhere.

NameProduct TypeDiscount LengthSubsequent RateOverall Cost  
WoolwichStep Lifetime Trackeruntil 30.04.2011(Base+ 2.49%) currently 2.99%3.00% APR
AbbeyTracker2 year4.24%4.10% APR
WoolwichOffset TrackerTerm(Base+ 2.47%) currently 2.97%3.10% APR