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Read reviews. Rung up and spoke to Lawrence . Sorted my Birmingham Midshires product transfer mortgages out there and then on the phone with him. Brilliant !!!!!!! Efficient service ,text messages ,emails of transfer details. Kept me fully up to date with progress of product transfers. Could not fault his service and almost forgot he saved me a lot of money in my case with a 5 year fixed rate deal. Just over a week later Birmingham Midshires sent me letter confirming the product changes and new monthly payments. Highly satisfied with the service- thus this excellent review. Thank you Lawrence.