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The original online application system and still the best.

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Is your client a Buy to Let landlord? Visit our new dedicated site to help make you client a Buy to Let expert.


  • Full Rental Income Calculator - Calculate the maximum amount of capital your client can borrow to purchase their property based on their annual income.
  • Rate Change Calculator - Find out how your customer's mortgage repayments will be affected by a change in the Bank on England base rate.
  • Portfolio Landlord Calculator - Check that your customers existing portfolio and new application fits against our Portfolio Landlord criteria.

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 Conduct 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

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 169628. Telephone number 0345 850 5000. Telephone calls may be monitored or recorded.

House Purchase
First Time Buyer
Existing Mortgage Customers only
Available for further borrowing
Further Borrowing only
Only available with BM Conveyancing
Calculate Borrowing
Click the ? icon to show help with using this Calculator