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Fast & Friendly Mortgage Advice in Birmingham

7 Days a Week 8AM - 10PM

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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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.

For your FREE mortgage consultation call 0121 595 0187

About Us

For your FREE mortgage consultation call 0121 595 0187

Malcoms Image

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.

About Us

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Mortgage Broker in Birmingham Mortgage Advice in Birmingham

Firstly, welcome to our Mortgage Broker in Birmingham website aiming to provide you with fast and friendly Mortgage Advice in Birmingham. Rest assured, we are here to help with all of your mortgage enquiries, regardless of the complexity. Likewise, if you would like any help from any of our experienced Mortgage Advisors in Birmingham, then please feel free to get into contact and give us a try. We will support you throughout the whole process the best way that we know how to, with around the clock support and guidance.

 

Being a stand-alone Mortgage Advisor in Birmingham, we work with a large panel of lenders. Whether you are looking to purchase a property as a first-time buyer, moving home, purchase as a buy to let or simply looking to remortgage, we are more than happy to help and offer trusted Mortgage Advice in Birmingham suited to your individual needs.

 

Free consultation | Mortgage Advisor in Birmingham

Being a trusted and well-established Mortgage Broker in Birmingham, we offer all of our new and existing customers a free mortgage consultation.

 

Here, your Mortgage Advisor in Birmingham, will listen to your situation and find out what you are looking to do. Our customers are our priority, and as a trusted Mortgage Broker in Birmingham, we’ll recommend the best deal tailored to you and ease the pressure throughout the entire purchase.

 

As a result, if you decide to use our Mortgage Advice in Birmingham service, you’ll receive your dedicated Case Handler. Both your case handler and your Mortgage Advisor in Birmingham will be on hand to answer all of your questions and help.

Why use Birminghammoneyman as your Mortgage Broker in Birmingham?

Birminghammoneyman has many years of experience in providing Open and Honest Mortgage Advice in Birmingham to all customers who have approached us in the past. There is rarely a mortgage situation that we haven’t come across. We make the most of having a large panel of lenders which makes it so as we are able to search across 1000’s of mortgage products in order to find you the best deal suited to your individual circumstances.

 

Birminghammoneyman offers a free mortgage consultation to all customers. During which we will make sure you receive the most professional and up-to-date Mortgage Advice service from our Mortgage Advisors in Birmingham.

 

From your initial enquiry through to getting the keys, and beyond, our Mortgage Advisors in Birmingham will be with you throughout every step of the way making sure that every question you have prepared will be answered, making it so as you don’t have to worry. With all questions answered, we’ll take the stress away from your Mortgage process.

 

As a Mortgage Broker in Birmingham, we are proud to have no vested interest with any estate agents, banks or builders. This means our Mortgage Advisors work solely for you and only you.

If you are looking for an experienced Mortgage Broker in Birmingham, then please contact us and our team will be happy to help.

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 1000s 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 can still get a mortgage but you may 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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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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