All rights reserved. resident in the UK and should not be regarded as an offer or invitation to sell We already recommended Oliver to all our friends and family and we are confident that he will work his magic with everyone who wants to get their dream house. He is efficiently quick and reliable. The value of your client's home may alter with market conditions so that the amount of the loan may exceed the value of the home. Mortgage Loans will be made by Birmingham Midshires. If you’re calculating payments for a mortgage you haven’t accepted, this is the total number of months on the contract. the selected product rate allows. Cookie Policy, Bank of England bank rate: Fully recommended. Telephone calls may be monitored or recorded. Whilst a fixed rate mortgage can give your client certainty around monthly payments, the Bank of England Bank Rate may go down as well as up. Calculate your minimum monthly mortgage payment and the total interest you'll pay on your Birmingham Midshires loan. Birmingham Midshires … Feedfeeds is not responsible for any human or mechanical errors or omissions. all questions and I mean ALWAYS! Very friendly people and qualified! Cheers. You can choose how Bright Money Independent Ltd are paid for mortgages; typically we do not charge however, you can pay a fee, usually 1% of the loan amount, Each lender will have a different view on the clients they are trying to attract and therefore it is not unusual to get a different maximum loan from various different lenders. Select the number of applicants on this mortgage application. Please also check our Portfolio Landlord … Darren and Louise were great to deal with. Please ensure the payment reference states: Mortgage account number You have one rate across your whole mortgage for the whole term, Estimate of total amount to pay is rounded to the nearest £10. Please also check our, Additional borrowing on existing BM Solutions mortgage. If you’re comparing mortgages but haven’t agreed to anything, fill this with the total amount of money Birmingham Midshires is offering you. Really wouldn't hesitate to recommend his services to anyone looking to unravel the mysteries surrounding mortgage applications! We will look at Abbey for Intermediaries, Halifax for intermediaries, Platform home loans, Coventry/Godiva, The mortgage Works, Woolwich/Barclays, Virgin Money, Natwest, Nationwide, Skipton, Birmingham Midshires and the Newbury – to name a few. BTL Remortgage or Additional Borrowing – Current Achieved Monthly Rent, Purchase or Let to Buy – Anticipated Monthly Rent. Our calculator will show how taking a payment holiday could impact your mortgage. Registered in Scotland No. After getting the mortgage offer he kept in contact with us until the completion to make sure that everything is okay. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. For the use of mortgage intermediaries & other professionals only. You’ll be able to see the full amortization schedule in a spreadsheet. If your mortgage is affected by a rate change, we will always write to you, to let you know your new monthly payment ahead of it being taken. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. Registered office; The Mound, Edinburgh, EH1 1YZ. If your mortgage is affected by a rate change, we will always write to you, to let you know your new monthly payment ahead it being taken. fax 0871 714 3274. Each lender will have a different view on the clients they are trying to attract and therefore it is not unusual to get a different maximum loan from various different lenders. Birmingham Midshires is a division of Bank of Scotland plc. He was. Enter the loan amount Birmingham Midshires … He really made the effort to ensure we knew everything we wanted to know, provided a wide range of options across key variables and was there at the end of a phone, or email, at a moments notice. No. Birmingham Midshires is a division of Bank of Scotland plc. Confirm whether product will be a 5 year fixed rate. contained on this site. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. For all Portfolio Landlord customers please fully complete a Customer Profile Form and submit along with Proof of Income. Suite 2a Full Rental income calculator. Manchester Building Society Lending Criteria. If you have missed payments prior to your payment holiday, any additional payments made during the payment holiday will be applied to these first. These pages are for the use of those people who are resident and ordinarily How to Use Birmingham Midshires Fixed-Rate Mortgage Calculator, Birmingham Midshires Fixed-Rate Mortgage Calculator Terms and Definitions, © 2020 feedfeeds.com. Representative example A mortgage of £145,000 payable over 20 years, initially on a … Very pleased with the deal we got, and I would thoroughly recommend BMI (Oli in particular!). Birmingham Midshires is a division of Bank of Scotland plc. They'll also advise on all the. the information contained on this site, to be used with or to advise private clients, Remember, limits apply to all our Buy to Let products: Visit our criteria page to find out more. Where your mortgage is made up of a number of variable rate sub-accounts or parts, you'll need to complete separate calculations for each one. Registered office; The Mound, Edinburgh, EH1 1YZ. This protects buyers from sudden spikes in interest that artificially inflate their required monthly payments. Financial Services Register number 169628. Calculate the maximum amount of capital your client can borrow to purchase their property. We like how transparent everything is with him and he is very happy to provide lots of illustrations so that we have all of the information available to us to help make an informed decision. I wouldn't go anywhere else. No. I will most definitely be using Darren next year. Darren from BMI was very easy to deal with, he got the job done quickly, & i have a mortgage product i'm happy with. Confirm whether the total income of the applicant or the first 2 applicants is greater than or equal to £30,000. Registered in Scotland No. The service he has provided us has been extremely efficient and very informative, 100% recommended. *Please note that if you later chose a fixed rate product with a term of less than 5 years, this could reduce the maximum loan amount available. He is a star and I thoroughly recommend him and BMI, I used BMI very recently as a first time buyer. This includes servicing existing customers with product transfers, further advances and … For the use of mortgage intermediaries & other professionals only. Details of our assumptions are shown at the bottom of this page. If you are a professional and you reproduce any part of Remember, limits apply to all our Buy to Let products: A maximum 75% LTV for loans from £25,001 to £1,000,000. We can't take into account potential lender fees, payoff schedule can be longer than in the estimation. Your client's home may be repossessed if they do not keep up repayments on their loan. Our tracker rate mortgages are linked to Bank of England Bank Rate (also known as Bank of England repo rate). YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE, Bright Money Independent If this is the case, you will need to repeat the calculation for each part. I have used Darren for my mortgage and other queries. Additional Principal per Period – This accounts for any money added to the principal. SC327000. How to Use Birmingham Midshires Fixed-Rate Mortgage Calculator. These pages are for the use of those people who are resident and ordinarily Right from begining from first step all the way to the end helped us . Calculate the maximum amount of capital your client can borrow to purchase their property. job. Registered Office: The Mound, Edinburgh, EH1 1YZ. Whilst a fixed rate mortgage can give your client certainty around monthly payments, the Bank of England Bank Rate may go down as well as up. Customer surname (if reference field allows). Our maximum loan on a Buy to Let mortgage is £1,000,000. Luckily, we got into contact with Oliver who was exceeding helpful, and equally importantly, friendly! *Please note if you change this after Decision in Principle, the maximum loan amount available may change.*. If you already got in contact with Oliver you should consider yourselves very lucky. Using our free Birmingham Midshires fixed-rate mortgage calculator is quite easy. Darren has been dealing with my mortgage products for several years now and has always made it such an easy and pain. Rate Change Calculator. Click the ? 0.1%. Darren has sorted my mortgage in less then a month. Highly recommend BMI as they are super efficient, extremely knowledgeable and a great bunch of people - I don't trust anyone else to manage my mortgage product. This time round I almost missed my mortgage product expiration date and Darren (and team) had a new product in place within 2 days! Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. With effect from 1 May 2020: • Birmingham Midshires Standard Variable Rate will further decrease to 4.44%; If your mortgage … Monthly Payment – The stated dollar amount that you are expected to pay towards your mortgage each month. Made a daunting process very easy, As first time buyers we were quite daunted by the whole process and bamboozled by the terminology and amount of. • Birmingham Midshires Standard Variable Rate currently at 5.09% will decrease down to 4.59%. Highly recommended. For Portfolio Landlord Applications, additional criteria applies. Use our rate change calculator to get an idea of how much your monthly mortgage payment might change. This model is provided as a rough approximation of future financial performance. Always responded very quickly too. Your actual interest rate is the amount you’ll be charged, usually referred to as the APR (Annual Percentage Rate). On clicking the links below you will leave the regulated site of Bright Money Independent Ltd. Telephone number 0345 850 5000. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. Remember, limits apply to all our Buy to Let products: A maximum 75% LTV for loans from £25,001 to £1,000,000. Highly recommended. Click the ? rules. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Remember, limits apply to all our Buy to Let products: A maximum 75% LTV for loans from £25,001 to £1,000,000. OX9 3NU, email info@bmimoney.co.uk in cases that more work is required we may agree a fee upfront before any work is undertaken. For the use of mortgage intermediaries & other professionals only. The best way to use this calculator is to test out varying loan amounts and interest rates when you’re comparing mortgages.

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