It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Are you a first time buyer in Redditch looking to get on the property ladder? Our team of mortgage advisors in Redditch are here to help you every step of the way
Our experienced mortgage advisors in Redditch have helped many first time buyers find the right mortgage deal for them.
We don’t just stop at finding you a suitable mortgage; we are also here to talk you through the entire process and answer any questions you may have.
If you would like to receive a free mortgage consultation, get in touch with one of our expert mortgage advisors in Redditch today. Our team will be with you every step of the way!
When applying for a mortgage, lenders will take into account your annual salary, any other income you have, your outgoings, and your credit file.
This will help them determine how much you can borrow. The amount of money you have saved for a deposit will also be taken into account.
Our mortgage broker in Redditch have a wealth of knowledge about lenders’ criteria and can search through thousands of deals to find the most suitable mortgage for you.
With this knowledge, we can search through 1000’s of deals to recommend the most suitable mortgage for your circumstances.
For many who contact us, especially first time buyers, a part of the apprehension and uncertainty can be due to wondering how much they can borrow and what their monthly costs might be going forward.
The government has introduced several schemes to help first time buyers in Redditch get onto the property ladder, such as the Lifetime ISA and the Right to Buy Scheme.
Our mortgage advice in Redditch are familiar with all the current government schemes and can advise you on which one is best for you.
As an experienced and reliable mortgage broker in Redditch with over two decades of experience in the mortgage industry, we have helped many first time buyers in Redditch onto the property ladder, making the process smoother and working hard to try and secure the desired outcome with their first home.
Our mortgage advisors in Redditch have a wealth of knowledge and experience in this field. There is very little that we haven’t encountered.
Generally, after finding a property you like, the next step is to obtain an agreement in principle, also known as a Decision in Principle, DIP or AIP. No matter the name you hear it called, the purpose is the same.
An AIP implies that you have passed the lender’s initial credit check and are agreed in principle for your mortgage.
It shows the seller of the property you’re after that you’re in a position to move forward should they accept your offer, putting you ahead of other potential buyers allowing for possible negotiation on price.
A member of our mortgage advice team can usually turn these around within 24 hours of your initial appointment.
This is fantastic news! Your next step will be to get back in touch with your mortgage broker in Redditch. They will be able to progress your mortgage application and handle all the paperwork on your behalf.
We come across various scenarios and hurdles all the time, so your experienced advisor will likely have come across something similar in the past.
Utilising this knowledge, they’ll work hard to ensure you hopefully end up with a positive outcome.
Whether due to bad credit, no credit or something else, we often hear from first time buyers in Redditch who have been turned away from their bank.
Our team of mortgage and protection specialist advisors in Redditch will work hard, from early until late, to try and find a solution for any issues you come across.
Get in touch to book your free initial mortgage consultation with a mortgage advisor in Redditch.
Our Customers Love Us
4.99 Rating74 Reviews
Philip
Dan and Jonathan were very helpful and explained everything in detail. We were able to then make an informed decision on our lifetime mortgage.
6 days ago
Philip
Dan and Jonathen explained everything in a clear and concise manner and were quick to address any concerns. All in all it has been a straightforward experience.
1 week ago
Anonymous
Great brokers, very helpful and efficient.
3 months ago
Charlotte
Fantastic! So quick and efficient and answered all of my questions! Jason and Jo were great, i couldn’t recommend them more! As first time buyers it was an overwhelming process but they made each step so easy! We would certainly recommend!
4 months ago
Rasna
Dinah and Stacey, both have been amazing dealing with my mortgage. I can’t recommend them enough, Dinah has been helpful and has gone above and beyond to get the support/advice I need. I’ve had to change my property and both Dinah and Stacey...
6 months ago
James
Jason and his colleagues at UK Moneyman have been amazing from the start. When we began the process of house buying and finding a mortgage we knew very little, but Jason explained much to us in a telephone consultation and outlined all our options....
10 months ago
Samantha
Very impressed, service was really good and efficient and anything g that needed explaining was done very clear. Would definitely recommend
10 months ago
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 year 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...
1 year ago
Anonymous
Incredibly helpful, supported throughout whole process
1 year 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.
1 year ago
Tyler
Had great help from both Joe and Chris and Chloe who were all friendly and always happy to help
1 year 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. They even...
1 year 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...
1 year 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.
1 year 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
1 year ago
Abdassami
Second time with this broker and it's been an amazing experience. Would definitely recommend. Anna and Matt were brilliant.
2 years 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...
2 years ago
Asia
Great team - very good communication and very nice, helpful team that made it possible for me! Thank you for the great service.
2 years 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.
2 years ago
Having a conversation with a professional mortgage advisor in Redditch is essential to discuss your mortgage scenario.
Our dedicated mortgage advisor in Redditch will carefully analyse your income and expenses during a complimentary mortgage appointment. This evaluation will enable us to determine the maximum borrowing capacity available to you as a first-time buyer in Redditch.
Don't hesitate to reach out to us and schedule your consultation. We are eager to assist you in achieving your mortgage objectives.
We have a team of experts who can connect you with a wide selection of lenders offering specialised products designed specifically for first-time buyers in Redditch. This will assist you in embarking on your path to becoming a homeowner.
Following your consultation, we will swiftly obtain your mortgage agreement in principle (AIP), typically within 24 hours. An AIP serves as proof to sellers that you are dedicated to proceeding with the purchase, enhancing your credibility as a buyer.
After your offer on a property is accepted, our committed mortgage advisor in Redditch will handle the submission of your mortgage application and organize any additional documentation required by the lender.
Throughout the mortgage process, your dedicated case manager will provide regular updates, ensuring you are well-informed at every stage. We are here to support you throughout the journey of obtaining the keys to your new home.
Alongside finding the most suitable mortgage deal for first time buyers in Redditch, our team is dedicated to assisting you in acquiring comprehensive insurance coverage to protect you and your loved ones financially.
Obtaining insurance while securing a mortgage offers a vital safety net in case of unexpected events like death, disability, or job loss. Insurance products that cover mortgage payments provide reassurance that in such circumstances, the borrower's family won't be burdened with the responsibility of paying off the mortgage.
Our team of fast, friendly & experienced mortgage broker in Redditch are passionate about helping First Time Buyers realise their dream of owning a home in Redditch.
From the moment you make your initial call, to the day you get the keys to your new home, your dedicated mortgage advisor in Redditch will be on hand to provide assistance and advice throughout the process.
Unlike the high street banks, we are able to search thousands of mortgage deals to find the best one that fits your individual circumstances, both financially and personally.
If you would like, we can also help with putting offers forward to estate agents, conveyancing solicitors and deciding on the best survey for your needs.
We always strive to make the process as stress-free as possible, and take care of all the paperwork for you. The fun part is finding a property that you like, and that is entirely up to you!
Please read our customer reviews, as they are a true reflection of the level of dedication and support we provide to all customers. Your satisfaction is of the utmost importance to us.
Our team are here to provide mortgage advice in Redditch, seven days a week, from 8am until 10pm. We are here to fit around your family and work commitments.
We always aim to take the stress away and manage all the paperwork for you. The exciting part is finding a property that you like, and that part is solely up to you!
Your free mortgage appointment will last 30 minutes to 1 hour. This is an opportunity for you to converse with a mortgage advisor in Redditch and discuss your mortgage requirements as well as your personal and financial circumstances.
After gathering the necessary information, your mortgage advisor will start searching for a suitable mortgage deal that is both competitive and meets your specific needs.
As a Mortgage Broker in Redditch, are committed to offering comprehensive assistance and guidance throughout the entire mortgage process.
Our objective is not only to search the market to find you the most suitable mortgage deal but also to locate a product that is customised to suit your unique personal and financial situation.
We advise you to obtain an Agreement in Principle (AIP) prior to viewing properties since it demonstrates that you have the financial funds to pay for the mortgage, provided that you can provide evidence to substantiate your income, credit history, and other relevant factors.
Your Agreement in Principle (AIP) will last around 30-90 days. If your Agreement in Principle (AIP) lapses before you have an opportunity to make an offer on a property, you can request for its renewal, and our mortgage broker team in Redditch can assist you with this process.
There are various reasons for taking out a second mortgage, including consolidating debts, funding home improvements, or expanding a buy to let portfolio.
Having multiple mortgages can be complicated, therefore, seeking the guidance of a qualified mortgage advisor in Redditch is recommended to ensure appropriate financing decisions. If you require specialist mortgage advice in Redditch, please do not hesitate to contact us for personalised assistance.
As an experienced mortgage broker in Redditch, you usually need to come up with a 5% deposit to get a mortgage, and most High Street Lenders ask for this amount from people with a decent credit history. But if you’ve had some credit issues before, you might have to save up 10-15% deposit.
Read our 74 Reviews
Birminghammoneyman.com & Birminghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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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 Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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