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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shakilahmed's Review of Birmingham Midshires Mortgage

24th Oct 2007

Overall Rating

1 stars
  • Value for money
    0.5 stars
  • Repayment Method
    Interest only
  • Product
    Variable rate
Good Points

Easy to arrange if you have small credit problems or no proof of income!


Bad Points

Big time fees, any letter comes from them you will have random charges to your mortgage 40, 50, 100, sometime 150.
Very bad if you try to get deal as existing customer, they wanted me to stay with them for a further 6 months after two year deal on high interest rate to go on a new 2 year deal.

Fall behind even one payment and they will start possession proceedings --- mostly to have charges to you, the real possession start after 3-4 months of arrears.

Very unhelpful staff, funny thing to create a loophole for charges, when you call the payment line, that team wouldn't know how much is your monthly payment even having access to their CRM system. Funny but true. So they want you to make error in a penny less to slap 50 pound fee.

Collection team is horrible to deal with very rude and impolite and unhelpful.


General Comments

I would recommend that you take on a Birmingham Midshires Mortgage only if you want self cert with ease.

They don't offer best of the interest deals.

Owned by Halifax and Bank of Scotland!! wonder why they don't change their name!

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