Birmingham Midshire Solutions, one of the mortgage lending arms of Halifax Bank of Scotland group do it again. they have from start to finish offered a mortgage in just under 14 days. thats the quickest time to offer i have had even beating their previous record.

from the word GO!

BMS use an online application from my mortgage broker which makes it fast. i pay for the valuation by visa card and the valuer calls the next day to arrange the viewing. within 2 days after the valuation the report is in my letter box. a few days after that the offer letter is in mine and my solicitors mail.

my solicitors are not actually in a position to proceed yet. but at least the funding is available now.

i’m always impressed by the speed of BMS and my only gripe with them is that the valuation is a tad expensive at £405 for a property sub £120k. this may go up for a more expensive property.

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