Sub-prime Self-cert Mortgages

Available to existing Birmingham Midshires customers only.

Sub-prime customers will need to have been a Birmingham Midshires Sub-prime mortgage customer for at least 12 months, to have had no more than 2 months' arrears in the last 12 months and to not currently be in arrears.

Product Transfer Information for customers on Sub Prime or Self Cert Sub Prime schemes
Customers have the option to review their present schemes prior to carrying out a Product Transfer. If the customer 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 302522 in order for us to carry out a review.

A Credit Search will be carried out in all cases.

Download the Product Transfer Credit Repair Application Form

A product transfer procuration fee will only become payable if the existing Birmingham Midshires account has been open for over 6 months. Full payment of Early Repayment Charges is required before a Product Transfer application can be completed. These will need to be paid in full and cannot be added to the mortgage balance.