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BM Mortgage Product Guide

Up to date guide of all our mortgage products.


Buy to Let Guidance for your clients

This guide is packed full of expert hints and tips to ensure you are providing your clients with all the information they need to make key decisions about their Buy to Let investment.


Online applications

If you're applying using the One Minute Mortgage system, you must confirm that your client has read and understood the Important Customer Information document.


Paper applications

Our standard mortgage application form follows a two stage process:

  • Stage 1 - submit to receive a KFI

  • Stage 2 - submit when the KFI has been accepted by all applicants

If you have already supplied your client(s) with a KFI, submit both stage 1 and stage 2 forms together.


Interest Only Mortgage Guide

This leaflet provides guidance for your clients and includes information on:

  • How Interest Only products work

  • Repayment vehicles


Credit Scoring

This leaflet will help you explain credit scoring to your clients and includes information on:

  • How credit scoring works

  • What a credit reference agency is and how to find out the information they hold

  • Why an application for a mortgage might be declined and how this affects other mortgage applications


Product Transfer Information for clients on Sub Prime or Self Cert Sub Prime schemes

Clients have the option to review their present schemes prior to carrying out a Product Transfer. If the client is confident that their previous credit history has been repaired sufficiently to enable them to meet the criteria for Mainstream or Self Cert schemes then a Product Transfer Credit Repair application must be submitted. Please fax the completed application form to 01902 789021 in order for us to carry out a review.

A Credit Search will be carried out in all cases.

  • How credit scoring works

  • What a credit reference agency is and how to find out the information they hold

  • Why an application for a mortgage might be declined and how this affects other mortgage applications


BM Conveyancing


For the use of mortgage intermediaries & other professionals only

If you do not have professional experience, you should not rely on the information contained on this site. If you are a professional and you reproduce any part of the information contained on this site, to be used with or to advise private clients, you must ensure it conforms to the Financial Services Authority's advising and selling rules. These pages are for the use of those people who are resident and ordinarily resident in the UK and should not be regarded as an offer or invitation to sell Mortgage products in any jurisdiction other than the UK.

Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered office; The Mound, Edinburgh, EH1 1YZ

Home Mover
Remortgage
First Time Buyer
Existing Mortgage Customers only
Available for further borrowing
Further Borrowing only
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