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Mortgage Broker in Boldmere

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First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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Meet Malcolm, your Mortgage Advisor in Boldmere with over 20+ years of mortgage experience.

For your FREE mortgage consultation in Boldmere call 0121 595 0187

For your FREE mortgage consultation in Boldmere call 0121 595 0187

Malcoms Image

Meet Malcolm, your Mortgage Advisor in Boldmere with over 20+ years of mortgage experience.

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

Open & Honest Mortgage Advice in Boldmere

Hello, and welcome to our mortgage advice page. If you enjoy quiet walks and are looking to settle down and get away from the city, Boldmere could be the place for you. To obtain a mortgage though, you might need the help of our Experienced Mortgage Advisors in Boldmere are here to help you secure your dream home.

 

Taking out a mortgage is one of the most important financial decisions you are likely to make. So, it makes sense to do everything possible to make the right choice, like getting the best mortgage advice possible.

 

As an Open and Honest Mortgage Broker in Boldmere, we offer advice when recommending a mortgage for you. We will look at your income, day to day living expenses and any existing debt, enabling us to accurately assess what would be a reasonable level of mortgage repayment.

Mortgage Advisors Look Beyond the Interest Rate

Our advisors will help you look beyond the interest rate and into all the costs and features of the loan that aren’t immediately obvious. They will help complete the paperwork for you, minimising the risk of delays, and they’ll also be able to give a heads up on which deals you are likely to accept.

Mortgage Advice – Over the Phone

Our mortgage advisors in Boldmere will be happy to talk over the phone. You choose the outcome is the same, a fast, professional service, focusing on your exact requirements.

 

Whatever your circumstances, whether you are self-employed, have existing debt, poor credit history or are approaching retirement, we’ll do all we can to find a solution that’s right for you.

Mortgage Advice for New Purchases & Remortgage Advice in Boldmere

First Time Buyer and Moving Home Mortgage Advice in Boldmere

Most of our customers are First Time Buyer applicants, however, that doesn’t mean that we won’t be able to help you. On top of our experience, we also have access to thousands of specialist mortgage deals through our huge panel of lenders. If you go directly to a lender, you will only have access to their independent deals. This is exactly the same if you are thinking of Moving Home, we will always aim to secure you a competitive deal that will benefit both your financial and personal situation.

 

If you choose the broker route, you will also benefit from our amazing customer service. We will take care of you from the point of application all the way through to you getting your keys. As a First Time Buyer Mortgage Broker in Boldmere, we know that the mortgage process may look stressful and daunting, however, it’s quite the opposite, especially if you go through a Mortgage Broker in Boldmere like ourselves.

Remortgage Advice in Boldmere

Are you thinking about remortgaging? Is your current deal coming to its end? If so, now could be the perfect time to remortgage. Your Remortgage Advisor in Boldmere has access to thousands of competitive remortgage deals, it’s just the case of us finding the perfect one for you that is better than your current one.

 

Your Mortgage Broker in Boldmere even specialises in remortgaging for home improvements, capital raising and debt consolidation. This area can sometimes get a little tricky and that’s why we would recommend that you speak to a professional Remortgage Advisor in Boldmere like us.

Why use a Mortgage Broker in Boldmere?

We specialise in all different areas, so matching a mortgage deal to your circumstances shouldn’t be a problem. So, don’t hesitate to get in touch as we know how hard it can be to continue through your mortgage application when faced with an obscure problem, that’s why we are here to offer a helping hand so we can get over these hurdles together.

Getting Mortgage Advice in Boldmere

Here at your Mortgage Broker in Boldmere, we really value customer service; it’s at the heart of our business. Our amazing service is shown in our customer reviews, feel free to check out our excellent reviews here.

 

It’s possible that this is your First Time Buyer mortgage journey, and you need a little nudge in the right direction. If so, don’t hesitate to get in touch. Every one of our friendly Mortgage Advisors in Boldmere is here to support you through your whole mortgage journey. We always aim to be responsive, caring, open and honest with you during every step of your mortgage application.

 

Even if this isn’t your first time around and you have been through the mortgage process before, if you are dealing with a complex issue, we would still strongly advise that you speak to an expert for a helping hand. The whole of the moneyman team can’t wait to hear from you!

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

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Bank vs Broker

The main difference between a bank and a broker is that a bank can only offer you their own in-house mortgage deals whereas a Mortgage Broker in Boldmere like us, can access products from our panel of over 30 lenders. We'll only try and find you a deal that is perfect for your personal and financial mortgage situation.

Follow us on Social Media

We are always active on social media, often posting recent guides, market updates, excellent customer reviews and mortgage videos. You should take a look and find out for yourself!

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Free Mortgage Consultation

Once you get in touch with our Mortgage Advisors in Birmingham, we will get you booked in for a free mortgage consultation. This will last around 30-minutes, during this time, your Mortgage Advisor in Boldmere will get to learn a little more about your mortgage needs and situation.

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.

© 2021 Birminghammoneyman

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

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