Why Landlords Choose a Birmingham Midshires Product Transfer

Birmingham Midshires is a well established lender within the Buy to Let market. However, once a fixed rate ends, the move onto the Standard Variable Rate can cause a sharp increase in repayments.

A product transfer allows landlords to secure a new rate quickly while keeping the process simple.

Key benefits often include:

• No broker fee
• No legal work
• No property valuation in most cases
• No new affordability checks
• Faster completion than a full remortgage
• Reduced monthly repayments

As a result, this option is particularly popular with landlords who value speed, certainty, and minimal administration.

Why Use GPS Financial to Arrange Your Product Transfer

While some landlords choose to handle a rate switch themselves, many prefer professional support.

GPS Financial arranges Birmingham Midshires product transfers every week. Because of this, we understand the process, the timing, and which products are genuinely suitable rather than simply eye catching on rate alone.

When you use GPS Financial:

• We manage the product transfer from start to finish
• We ensure the rate is suitable, not just the lowest headline figure
• We reduce the risk of delays or errors
• We charge no broker fee
• The switch can often be completed in around five minutes

You receive the same rate, with far less effort and greater peace of mind.

You can also explore our wider Buy to Let mortgage support here

Product Transfer or Remortgage; Understanding Your Options

A Birmingham Midshires product transfer is often the simplest option. However, it is not always the most suitable.

Depending on your circumstances and future plans, we will either:

• Arrange a Birmingham Midshires product transfer; or
• Review the wider market to assess whether a remortgage could offer better value

This becomes particularly relevant if you are looking to:

• Raise capital
• Restructure existing borrowing
• Secure a different long term solution

You remain in control throughout. Our role is to provide clear, informed advice.

How a Birmingham Midshires Product Transfer Works

Because Birmingham Midshires already holds your mortgage, the process is usually straightforward.

They already have:

• The property details
• Your borrowing history
• Your payment record

As a result, underwriting requirements are lighter and the process typically moves quickly. Once new products are released, many transfers can be completed within minutes.

GPS Financial does not charge a broker fee for Birmingham Midshires product transfers.

For general information on Birmingham Midshires mortgage products, you can also view their lender overview here

Act Before Your Birmingham Midshires Rate Expires

If you complete your product transfer before your current deal ends, you avoid being moved onto the Standard Variable Rate altogether.

Acting early can result in meaningful savings over the life of your next fixed rate.

If your Birmingham Midshires fixed rate is ending soon, reviewing your options now is a sensible next step.

Speak to GPS Financial

To discuss a Birmingham Midshires product transfer or review your wider options, speak to the team at GPS Financial.

Call 029 2267 7707 or visit our Contact page to arrange a no obligation discussion: