Bradford & Bingley's residential lending activity focuses on a range of niche areas providing mortgages for individuals who need a more specialist product than those available in the mainstream market. The three main products are:
Buy-to-let; providing loans to landlords and property investors
Self-cert; loans for individuals who have more complex income streams, including the self-employed and those with more than one job
Lifetime; enabling customers to gradually release the equity they have built up in their main residence
Bradford & Bingley's specialist mortgage products are sold through brokers and intermediaries under the Mortgage Express brand, and additionally a range of Bradford & Bingley branded products are available through its 200 branches and its telephony and online distribution channels. Bradford & Bingley does not participate in unsecured consumer lending.
Use our simple loan form or mortgage form to talk with a financial adviser to see if Birmingham Midshires loans or mortgages could be right for you.
Bradford & Bingley Mortgages are available in a wide variety of choices, such as Discount, Capped, Fixed Rate and Tracker mortgages. They also offer you the option of having a Cashback, Flexible/CAM, or First Time Buyer mortgage.
Bradford & Bingley Building Society was formed in 1964 as a result of the merger of the Bradford Equitable Building Society and the Bingley Building Society, both of which were established in 1851. In July 2000 the Society's voting members overwhelmingly endorsed a proposal from the Board of Directors to convert to a public limited company. The flotation on the London Stock Exchange took place on 4 December 2000 and Bradford & Bingley plc ("B&B") was formed.
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