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About BM

Who we are and what we do

The savings specialist

Savings accounts > BM Savings is part of Birmingham Midshires. We're the savings specialist. Hundreds of thousands of people in the UK use our savings accounts to help them make the most of their money.

And mortgages too

Birmingham Midshires also offers residential and buy to let mortgages. Our mortgages for new customers are only sold through independent financial advisers. Find an independent financial adviser.

Already got a Birmingham Midshires mortgage?

BM Mortgages > Whether you're an existing customer moving house, needing additional borrowing or are coming to the end of your deal and want a new one, we have a range of mortgages to make you feel at home.

Supporting Wolverhampton Wanderers

Wolves Account > We're proud sponsors of Wolves - and our unique savings account helps fans to save while they support the club.

Our history

Our roots date back to 1849. We're the result of an amalgamation of some 50 building societies including the Midshires and Birmingham & Bridgwater Building Societies. Find information on the building societies that formed Birmingham Midshires.

More about Lloyds Banking Group > Since January 2009, we've been part of Lloyds Banking Group. With a strong and supportive parent company, we continue to be a key provider of leading savings products to UK consumers.

Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product which quotes an interest rate will contain an AER, you will be able to compare more easily what return you can expect from your savings over time.

NET rates are illustrative only, allowing for the deduction of income tax at 20%. If you are a higher rate tax payer, you may have a further amount to pay. If we deduct more tax than you have to pay this can be reclaimed from HMRC.

Tax Free means free from personal liability to Income Tax.

For telephone line opening times, please read the information in our contact section. Calls may be monitored and recorded for security and training purposes. If you're calling from outside the UK, please dial +442920781145.

© Birmingham Midshires
This site is intended for UK residents unless otherwise stated.
Birmingham Midshires is a division of Bank of Scotland plc, which is authorised for accepting deposits by the Financial Services Authority. It is entered in the FSA's Register and its Register Number is 169628. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.
To contact the FSA Consumer helpline, please ring 0300 500 5000 or visit www.moneymadeclear.fsa.gov.uk.