Fast & Friendly Mortgage Advice in Birmingham
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We love helping customers who really need Mortgage Advice in Birmingham - it's not just about finding a mortgage, we will hold your hand through the full process.
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0121 595 0187.
Enquire OnlineTo speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0121 595 0187.
We love helping customers who really need Mortgage Advice in Birmingham - it's not just about finding a mortgage, we will hold your hand through the full process.
Enquire Online4.99 Rating67 Reviews
Shelline
Leo Shakespeare and Stacey Jopling has work long side each other to made this entire journey extremely smooth and informative as a first time buyer. His service has been phenomenal. I had been rejected from many other brokers and banks and he...
1 week ago
Nafesa
I have been dealing with Wendy and Malcolm in regards to my house purchase and I could not recommend these enough. A true credit to the company. Very efficient with communication and solving any issues that needed to be addressed. Would highly...
2 months ago
Anonymous
Incredibly helpful, supported throughout whole process
2 months ago
Nazeef
Fantastic experience. Charlie helped me race through to secure the best mortgage offer, best plan for life and critical illness insurance. Very approachable and responsive even with any queries I had after everything was completed.
3 months ago
Tyler
Had great help from both Joe and Chris and Chloe who were all friendly and always happy to help
6 months ago
Rosie
Made everything very easy, we are first time buyers and they couldn't have been more helpful or informative. They didn't make us feel like we were stupid for not know anything about buying a house and talked us through the entire process....
7 months ago
Sophie
Tom and Meghan were brilliant throughout the entire process! Both were friendly and knowledgeable and explained everything to us clearly and answered our countless questions and gave us clarification where we needed it. Both were easy to contact and...
7 months ago
Esme
Super helpful, made the whole process really easy and explained everything as we went along. Pretty good at keeping in contact, keeping us up to date and explaining the choices we had and then giving us the time to discuss and make those decisions.
8 months ago
Sheikh
I must say I am very pleased with the service I recieved from Moneyman, they set up regular calls and kept us updated throughout the checking progress. Fairly priced fees and very knowledgeable! I would highly recommend their services
10 months ago
Abdassami
Second time with this broker and it's been an amazing experience. Would definitely recommend. Anna and Matt were brilliant.
11 months ago
Nicholas
We couldn't be happier with the service provided. Matt has been professional, helpful and extremely supportive throughout our process. We will certainly be recommending you to friends. Communication was 5* and Matt was available at any point...
11 months ago
Asia
Great team - very good communication and very nice, helpful team that made it possible for me! Thank you for the great service.
1 year ago
Andrew
To say we have had a nightmare of a process of trying to buy a house would be an understatement, however Wayne and team were the bright light that helped us get through it. Can't thank them enough for their help.
1 year ago
Kazim
That nice 😊
1 year ago
Kristina
Brilliant service! Would highly recommend! Tom at the Birmingham branch was amazing. We're first time buyers so we were very unsure of the whole process and had lots of questions. Tom gave us all the support and guidance we needed and was there...
1 year ago
Anonymous
Moneyman were really supportive during this process. After our first house fell through following downvaluation, they were really helpful in outlining the process moving forward and supporting us through the next house sale. Couldn't be happier...
1 year ago
Eleanor
Thank you so much for your support Even when I Couldn't get hold of anyone else During the pandemic Your staff were there to encourage me to press on with the mortgage after Thanks for your help and the guidance Thanks for giving me a chance...
1 year ago
Anonymous
Very good service, unbelievable fast to apply my mortgage. Thank you all of you.
1 year ago
Tyler
Aaron was both very friendly and helpful over the phone.
1 year ago
Samina
Dale was a Very lovely person to speak to. Gave all the best advise he can and was very polite. Made me reassured with a few problems I may have but gave me a few options around getting a mortgage
1 year ago
- Mortgage Advice
- Why Us?
Mortgage Broker in Birmingham | Mortgage Advice in Birmingham
Welcome to our website Birminghammoneyman.com, here you’ll find our experienced Mortgage Advisors in Birmingham are ready and waiting to try and help you achieve your mortgage goals and give you their full support throughout your mortgage journey.
We try our best to make the home buying and remortgaging process go stress-free and straightforward. During your process our team will hold your hand throughout the entire mortgage journey, from the first initial enquiry to getting the keys.
You are welcome to read genuine reviews left from previous customers. Here at Birminghammoneyman, we are proud of the service and aim to provide a continuedly high-level of standard to all new/existing customers that get in touch. To speak with one of our qualified Mortgage Advisors in Birmingham to book your free mortgage appointment today.
We aim to help assist you to achieve your mortgage goals by providing open and honest Mortgage Advice in Birmingham.
Our Mortgage Advice Service in Birmingham
1. Once you get in touch with our Mortgage Broker in Birmingham, we will take some brief information from you and look to get you booked in for a consultation with one of our Mortgage Advisors in Birmingham.
2. During your free mortgage consultation, your Mortgage Advisor will build up a more detailed financial picture of your current situation and what you are looking to achieve.
3. After your Mortgage Advisor in Birmingham has a bigger picture of your situation, they will begin searching through 1000’s of mortgage deals to find the best mortgage for your individual circumstances.
Mortgage Advice in Birmingham at a Time That Suits You
Out of office hours Mortgage Advice in Birmingham is possible with Birminghammoneyman. We operate 7 days a week so that we can work with you during a time where you feel most comfortable.
At any stage during your process, if you have any questions, don’t hesitate to ask your advisor. As a Mortgage Broker in Birmingham, we have over two decades of experience in the Birmingham mortgages sector – no question is too difficult or complicated to answer! If we can’t find a solution to your question, it’s our job to work together and try to get you through the process despite your circumstances.
Advice for Mortgages in Birmingham
Whether you are new to the mortgage process or have sailed this ship before, we always recommend that you get help from an expert during the process, especially if it could put you on a better rate!
We will always be open and honest with you, having your best interests at heart at all times. It’s our job to deliver the same exceptional service to every single customer that reaches out to us for help. Take a look at our reviews to find out what others have thought about their experience with us.
Mortgage Broker in Birmingham vs Bank
If you decide to approach your bank over a Mortgage Broker in Birmingham, you are limiting yourself to their own in-house deals. A Mortgage Broker in Birmingham like us, has access to 1000’s of mortgage deals through our panel of lenders. It’s your Mortgage Advisor in Birmingham who will search through our large panel to try and find you a great mortgage deal.
From your initial enquiry, we want to make sure that you aren’t waiting around, we want you to get an appointment booked right away. In Birmingham, if you approach a bank you could be waiting weeks for just a callback, never mind an appointment, it depends on how full they are.
Birmingham Mortgages | All Situations Considered
Have you come across a complicated issue during your mortgage application? If so, you should know that we have Mortgage Advisors in Birmingham here to help. We will designate you to a Mortgage Advisor in Birmingham that specialises in your situation, this way you know that you are in safe hands!
Current or budding landlord? Not a problem either, our Mortgage Broker in Birmingham also deals with Buy to Lets and Remortgages.
Speak to a Mortgage Advisor in Birmingham
If you are looking at obtaining specialist mortgages in Birmingham, we would recommend that you take up our free mortgage appointment offer. This could give you an estimation of how much you may be able to borrow for a mortgage and help you understand the process a little easier.
Remember that we are here to talk to you 7 days a week. We can’t wait to hear from you!
Mortgage advice in Birmingham – Options:
We search 1000's of mortgage deals across a large number of lenders, including:
Common mortgage questions
Your free mortgage consultation in Birmingham will last approximately one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to go ahead.
As your Mortgage Broker in Birmingham, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then once you have provided all the relevant documentation and a valuation of the property has been carried out a formal mortgage offer can be issued
Our Mortgage Advisors in Birmingham recommend that you try and get your Agreement in Principle before you take up the decision of starting to view properties in Birmingham, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position with the seller.
An Agreement in Principle typically lasts for between 30 and 90 days depending on the lender. If your Agreement in Principle expires it can always be refreshed. If you need help obtaining one, our Mortgage Advisors in Birmingham can usually get one sorted for you within 24 hours of your application.
It can be possible to get a second mortgage on your home in Birmingham for debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.
To purchase a house in Birmingham, the minimum deposit with High Street Lenders is typically 5% but this can be higher if you have had previous credit problems.
If you have had credit problems you may still be able to get a mortgage but you will likely need to put down a higher deposit than usual, perhaps 15% of the purchase price.
You can get a mortgage in Birmingham once you have submitted at least one year’s accounts. Most lenders use your salary + dividend to calculate the maximum mortgage whereas others go off your net profit.
To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for Self Employed. In addition, you will need to produce proof of ID, address and 3 months’ bank statements.
Our free consultation in Birmingham typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes about three weeks on average. Before you know it, you will be moving into your new property in Birmingham!
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