Self-cert Mortgages

Self-cert Fixed

5.49% 2 Year Fixed			Code: SMG
Rate			Features
5.49% until 01/10/2012 then Bank of England Base Rate +4.34% for the life of the loan (currently 4.84%) The overall cost for comparison is 5.1% APR			10% overpayment facility per annum;
Loan To Value (Max: 75%)	Early Repayment Charges	Product Fee
75% £1k - £1m	3% of the amount being repaid to 01/10/2012	1% of loan

5.99% 3 Year Fixed			Code: SMH
Rate			Features
5.99% until 01/10/2013 then Bank of England Base Rate +4.34% for the life of the loan (currently 4.84%) The overall cost for comparison is 5.3% APR			10% overpayment facility per annum;
Loan To Value (Max: 75%)	Early Repayment Charges	Product Fee
75% £1k - £1m	3% of the amount being repaid to 01/10/2011 2% of the amount being repaid to 01/10/2013	1% of loan

Available to existing Birmingham Midshires customers only.

Self-cert customers must not have had more than 1 months' arrears in the last 12 months on their Birmingham Midshires mortgage account, and must not currently be in arrears.

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.

The original online application system and still the best.

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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

For independent information on responsible lending, visit the FSA website 'moneymadeclear'.

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