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Fast & Friendly Mortgage Advice in Birmingham

Appointments Available on Evenings and Weekends

First Time Buyer

Remortgage

Moving Home

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Self Employed

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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.

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Mortgage advice
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First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Trusted & Experienced Mortgage Broker in Birmingham

 

Welcome to Birminghammoneyman

With a wealth of knowledge in the industry and a fantastic team of mortgage advisors and administrators behind us, we are here to provide expert mortgage advice and support throughout your mortgage journey.

 

Our team are determined to make sure that your process runs smoothly and stress-free, no matter your circumstances. We strongly recommend that you take advantage of our free mortgage consultation!

 

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. Your Mortgage Broker in Birmingham has over two decades of experience in the mortgage 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.

 

Open & Honest Mortgage Advisors 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.

 

We work for you! As a Mortgage Broker in Birmingham that isn’t tied to any particular estate agent, bank or building society, we are able to locate a deal that benefits you and you only. We are always open and honest with you.

 

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.

 

All Mortgage Situations Considered in Birmingham

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

For specialist Mortgage Advice in Birmingham, we would recommend that you take up our free mortgage consultation 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:

First Time Buyer Mortgage Advice Birmingham

We’re here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Birmingham

Simply, wanting to know how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Birmingham

Seeking a better mortgage deal, to reduce or extend the term, to add or remove a name, or raise money on your home?

We search 1000's of mortgage deals across a large number of lenders, including:

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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!

Birminghammoneyman.com & Birminghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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Birminghammoneyman - Office 1, Izabella House, 24-26 Regent Place, City Centre, Birmingham, B1 3NJ

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