If you have a Birmingham Midshires (BM Solutions) mortgage, you could be paying more than you need to. Thousands of landlords and homeowners move onto the Standard Variable Rate (SVR) when their fixed deal ends, often adding £100s per month to repayments.
At RateSwitcher, we specialise in helping existing Birmingham Midshires customers switch to a new deal quickly, securely, and without hassle. We’ll check your eligibility, compare the latest BM mortgage rates, and handle the product transfer for you — with no broker fees.
👉 Whether you’re a buy-to-let landlord, portfolio investor, or remortgaging, our free service ensures you never pay more than necessary.
Why Choose RateSwitcher for Your Birmingham Midshires Mortgage?
- Specialist in BM Solutions – We deal with Birmingham Midshires every day.
- No Broker Fees – Save up to £995 compared to some advisers.
- Fast, Online Switching – Most transfers completed electronically by email.
- Tailored to Landlords – Single properties or large portfolios welcome.
- FCA Authorised & Regulated – Trusted, transparent advice.
📞 Start Your Free BM Mortgage Switch
Birmingham Midshires Mortgage Options in 2025
Buy-to-Let Mortgages
- Fixed rates (2 & 5 years)
- Tracker mortgages linked to the Bank of England base rate
- Limited company buy-to-let products
Product Transfers for Existing Customers
- Switch to a new deal without affordability checks
- No new valuation required (in most cases)
- Quicker and easier than remortgaging elsewhere
Standard Variable Rate (SVR)
- Currently around 8.59% (subject to change)
- Automatically applied when your fixed/tracker deal ends
- Switching can reduce payments significantly
How the Birmingham Midshires Mortgage Switch Works
- Check your current deal – Know when your rate ends.
- Get a free quote – We’ll compare the latest BM rates.
- Choose your new deal – Fixed, tracker, or variable.
- We handle the paperwork – Quick, electronic product transfer.
⏱ Average time to switch: 48 hours.
Frequently Asked Questions
Can I switch my Birmingham Midshires mortgage early?
Yes, but check for early repayment charges (ERCs). We’ll confirm the costs before you switch.
Do I need a credit check?
Usually no. Existing BM customers can often switch without a full affordability assessment.
What happens if I do nothing?
You’ll move onto the Birmingham Midshires SVR, which is typically much higher than fixed deals.
Can landlords with multiple properties switch?
Yes. Portfolio landlords can transfer multiple BM mortgages at once.
Why Acting Now Matters
- Interest rates remain volatile in 2025
- SVR costs are high — waiting could cost you £100s each month
- Securing a fixed rate now provides certainty
💡 Tip: Most customers save money by switching before their current deal ends.
Start Your Birmingham Midshires Mortgage Switch Today
Don’t pay more than you need to. As an existing customer, you can secure a new BM Solutions mortgage deal online in minutes — no broker fees, no stress.