Birminghammidshires Reviews 191

When managing the day to day events on the website this is fine , however I have never experienced such poor customer service in my 30 years as a landlord when going through the process of taking additional borrowing. The elapsed time is just staggering and the in efficiency of the process is just staggering.
I did not feel like a customer at any point , more a pain to them.
I accept there were a couple of nuances that in the modern world of corruption and internet fraud mean more checks and balances are required , but as a customer these should be made as simple as possible with well defined guidelines and time lines , helping to make the experience as easy as possible so you want to do more business with them , not the reverse of now just dreading any future engagement.
The level of stress induced was wholly in acceptable , I feel genuinely sorry for our broker who had to sit between us for what was a minimal fee.
I am assuming they will not be sending out any post event ‘ how did we do ‘ survey , as any self respecting service industry would , I would love to be able to present to there exec. Board my experience, but I know that would never be listened to.
The option to raise a complaint is on the website , I just have no belief it would be reviewed with any true seriousness.
To add insult to the slow and antiquated process , even after an offer letter , what I can only assume is an outsourced offshore service, used some personal data from over 20 years ago that must have been inherited from a Halifax data base , when we once had a mortgage with them. I am not sure how this is covered under my rights of use if personal data , but at worse it meant wholly incorrect contact data.
With a decreasing lender market in btl they can clearly get away with this out dated service model .
This may be one business where I think AI could make a significant improvement if well implemented, until then I fear about having any further engagement beyond the day to day servicing of my loans.

Our BTL 2 year deal is coming to an end in August with BM. I logged into our account online today and checked out their new deals, was able to compare lots of deals and choose what I think was a good offer, (I also looked at changing lender to see better deals but they all require fees and conveyancing etc, so that 'good deal' isn't so good) staying with them is saving me £100 per month on repayments when the new deal starts. If things change in the meantime, I can swap it to an even better deal before August. Gives you the option to pay 10% extra payments per year with no penalties.
The process was so seamless and once i'd made the decision, it took less than 10 minutes. Electronically signed, no paperwork, no fees, no stress. The site is easy to navigate, I can see my mortgage details, payment amount, % etc; all in one place.
I have looked through most of the trustpilot reviews and realised that all the negative ones look like they were issues with the customers personal situations rather than a lack of good service. My personal dealings with them for years have been very good. Hopefully that continues.

Requested yesterday at around 800 am 2 statements for both my buy to let properties and was assured that I will get it via my email by 24 hours,I have still not received them.I reminded them yesterday afternoon via second phone call and agent promised me that it would be done,terrible disappointed with BM

Disappointing after 20 years of unblemished record they would not help for a few months whilst my work has dried up.
Instead after request for payment holiday I am receiving threats. I am now in the process of getting a new provider, HSBC have been really helpful, not these guys.

A truly poor service. No respect for customers' times.
For the past three days I've been trying to contact BM mortgages to change my product as their website for doing so refers me back to call center.
1- When I was able to speak to a representative after a long period waiting, who, guided me through exactly what I had already done to no avail, he transferred me to another department.
2- The 2nd representative also went through the same thing trying to find out the problem, the line was disconnected. I was online 36 minutes.
3- I called back again going through different department, which was very time consuming, I was given another number to call.
4- I called the number waited online connected after waiting for 40 minutes, only to be told their line was now closed and she promised someone will call me back today. No one called.
5- I made a complaint last year because they offered me a rate rate over the phone but did not fulfill it, I have yet to receive a response or the promised call back in response to my complaint.
if you can avoid BM mortgages use other companies as their services is b=very poor and time consuming.

I paid off a huge chunk of a Birmingham Midshires mortgage with another mortgage as they would only offer an uncompetive rate to continue. I chose to do this, to save 3.5% interest whilst I sought an alternative Having paid off a significant they closed the mortgage without even advising that this was to be done to give me a chance to increase the loan to avodi closure. I now have to start again, re-insure, and cost more to remortage

In 2022, I had only £5K left on my mortgage. I suffered thereafter with PTSD as a result of horrendous abuse. I heard nothing from Birmingham Midshires. I tried to call them last year. It was an awful experience. I am now indebted to these people by a figure that I do not know. I am scared. I am lost. I arranged with them that they call me yesterday. I heard nothing from them. The same thing happened last year, too.

This company makes it as difficult as possible to contact them. They do not publish email addresses. They do not care. It is difficult for someone like me to communicate over the phone on delicate matters. I find it traumatic. I made the appointment to speak because I could prepare myself for the event but not a single word. It is cruel and it is unprofessional and heartless. One person was good to me. Sadly she was not in the relevant department. I think her name is Jackie.

Birmingham Midshires wants me to pay almost £900 each month to them. I am on benefits. I expect they will try to take the home I have lived in for most of my life, away from me, in the last stage of my life. I wish someone would help.

in an era of AI, you cant even get an electronic copy of your mortgage statement.

And even better, their website doesn't work 24 hours a day. its as if someone has to hit the start button in the morning when they clock on.

Called the line, told I would be emailed a copy of my mortgage statement. still waiting 5 days later.

Amazing to think it's owned by Lloyds Banking Group.

I'll be remortaging away. But I guess getting my documents could be something of a mission.

DO NOT USE. A bunch of heartless loansharks who demanded my parents pay off the mortgage on their home of 43 years when the mortgage term ended. My parents tried to negotiate but Birmingham Midshires refused and threatened them with eviction. My father was already very ill but became worse from the stress of it all and did not recover.

Horrible company interest rate over8% no communication with them don't go near them

After paying off my account with Birmingham Midshires in full. The following week they still took a full mortgage payment from me.

Once I rang to inform them of my complaint and to get my money back. I was informed that although they had taken the payment in error they could not transfer the money back and that it would take 10 working days to do so. So it could be investigated.

There was nothing to investigate and all the evidence was there for the call handler to see.

This left me with bills bouncing in my account and a complete lack of empathy or help from a Birmingham Midshires. I could not even speak to a supervisor, the call handler refused to let me speak to a manager or someone of higher rank.

Do not use this bank for any financial services.

I put thousands of pounds into renovating my home after which BM undervalued the property by 8.6%, taking the price lower than what I bought it for. Something about this is just not right, especially considering prices in my area have recently risen by 1.6%.

My dad had a mortgage with them before he passed away. The property has the same unsafe cladding as Grenfell, resulting in being unable to sell the property until the work is carried out, which is due to start this year. BM failed to inform us of multiple rate increases which meant the payments we made did not cover the new monthly payment. We were unaware of this for over 5 months. Then instead of apologising for their error and working with us, they tried to repossess the property and add thousands in fees to the account. Their complaints handler just repeadly ignored my request for information on the ombudsman, the legal action, the process of how they deal with a deceased estate with unsafe cladding and how to resolve this situation. Despite there being no money in my father's estate to clear the arrears until the property is sold (again this request ignored) I was told to set up a payment plan out of my own pocket. After fighting and having to explain it is not my bill, I finally give in from the stress and rang to set up a payment plan to be told you can not set up a payment plan on a deceased estate. When asked how do I stop the legal action then, I was told I dont know! The complaint handler was then asked to get in touch with me to tell me how to stop this action. She decided not to bother and wrote and update on the complaint saying no new points raised, no further action needed.
The mortgage term is ending soon, I have also asked what happens when it come to an end. Susan, the same complaint handler responded with I dont know, we will cross the bridge when it comes to it.

Applied, paid for survey (came back fine) but declined mortgage because of underwriters snotty opinion, contested it and declined again but this time because of questions they haven't even asked me about?! They are new to the Ltd company sene and after this they shouldn't bother proceeding any further if that how they are going to behave. Completely unprofessional agents with poor attitude underwriters.

Worst company ive ever dealt with.

I was customer in the 90 s my wife died leaving me with touch young children long story short they suspended my mortgage whist I got on my feet otherwise I would have been homeless i have never thanked you for your help now I am thank you

Spoke with Mark in regards to early repayments and few other questions. An absolute credit to the company. Thanks again !

I’ve dealt with BMS for years, and the experience has been consistently painful. No email support, no online access — you’re forced to call every time, and human error is almost guaranteed. Communication is fragmented and frustrating.
The most shocking part? Long-standing customers are charged over 200% more than new ones for identical mortgage products. Loyalty is punished, not rewarded.
You must go through a broker even just to renew or ask about rates. Rates listed on their own site don’t match or much lower than broker quotes, and BMS won’t clarify — they just refer you to brokers. That’s not transparency, that’s evasion.
This company seems built on inconvenience and inefficiency. Avoid x10000000000000000.

One star is one too many! They are without doubt the most horrible, unhelpful mortgage company that has ever traded in the UK. Between endless two hour phone calls, different staff, the same notes, the notes not being recorded, which I am 100% is franchised out to a call centre as no-one has any authority. Thank god my mortgage is cleared and I have jo further dealings with them. Bordering on fraudulent with their fees and having no clear path of clearing a mortgage.

If you have a property in Scotland, once you pay off the mortgage BM want you to contact your own solicitor to remove their charge on the property. This means the home owner or landlord will have to pay legal fees which are not cheap for such a simple transaction. I had another BTL mortgage with Siberite Mortgages and they handle it themselves and remove the charge without intervention of the home owner solicitors. So just beware before you get a mortgage with BM when other providers do it for free.