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.
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.
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.
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
We recommend you obtain an Agreement in Principle before you start viewing properties in Birmingham, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position
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.
It can be possible to get a second mortgage on your home 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 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 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.