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Mortgage Broker in Bromsgrove

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

0121 595 0187Speak to an Advisor - It's Free!

Mortgage Broker in Bromsgrove

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 0121 595 0187

Providing Expert Mortgage Advice in Bromsgrove

Getting in touch with a mortgage broker in Bromsgrove has never been easier. Hvaing worked in the industry for over 20 years, we have helped many customers achieve their home buying goals, with thanks to our dedicated team of mortgage advisors in Bromsgrove, who provided them with the correct mortgage advice, saving them both time and money.

From first time buyers, home movers, to those coming to the end of their mortgage term and wanting to know their remortgage options, we understand the mortgage process can be daunting, which is why we aim for success and excellence. We have encountered this with many of our customers in the past which is why our aim is to offer a 5-star service to remove as much stress as possible, working alongside you to overcome any hurdles we may face along the way.

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Your Mortgage Options in Bromsgrove

All of our Customers Receive a Free Mortgage Appointment!

Utilising our large panel of lenders, we can search 1000’s of deals and offer a wide range of products, as a mortgage broker in Bromsgrove, we aim in providing a responsive service, and keep you updated throughout the entire process. We’re avaliable 7 days a week, and offer our expert mortgage advice in Bromsgrove out of hours.

Our priotiry is to provide you a stress-free and straightforward service, and we take pride is going above and beyond for new and exisitng customers who get in touch. Having the knowledge and experience, we have dealt with many different kinds of mortgage situations. Even if we are faced with a mortgage scenario that we haven’t dealt with before, we aren’t afraid to tackle it together, to try and resolve the situation.

Below we have listed some common scenarios, worry not, if your situation isn’t listed it’s still more than likely that we have encountered or helped a similar customers in the past. Book your free mortgage appointment today to see how our mortgage broker in Bromsgrove can help offer you a helping hand.

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Your Mortgage Options in Bromsgrove

First Time Buyer Mortgages in Bromsgrove

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First time buyer in Birmingham, might find the mortgage process for the first time a bit daunting. From first point of contact to handind over the keys, our mortgage advisors in Bromsgrove will guide you throughout the entire process, and help you with your mortgage application, keeping all the jargon to a minimum. We also have access to 1000’s of first time buyer mortgages deals through our large panel of lenders. If you go directly to a lender, you will only have access to their in-house deals.

During your free mortgage appointment, we start our mortgage process by asking you a set of questions about your financial history. Based on your responses, we conduct an affordability assessment to determine which mortgage deals are suitable for you.

Your designated mortgage advisor in Bromsgrove will then search through numerous mortgage options to find the one that matches with your situation. As a fast and friendly mortgage broker in Bromsgrove, we can provide you with an Agreement in Principle within 24 hours of your free appointment. We’re always available to answer any questions you may have, so feel free to ask away.

Moving Home Mortgages in Bromsgrove

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If you’re considering moving home in Birmingham or the surrounding areas and require a mortgage in Bromsgrove, it has so much to offer, and everyone has there reason to move into the area. It is good to check your affordability prior to taking viewing and making offers. Alongside budgeting so you know what is the maximum amount you can borrow for a mortgage, and how much your repayments will be.

Our mortgage advisors in Bromsgrove will be more than happy to assist you with this, because we understand the stress of when it comes to moving home. Let us handle the mortgage side of things, make the moving home process easier for you, leaving you to focus on the move itself.

Buy to let Mortgage Bromsgrove

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We have helped many buddying landlord find a suitable buy to let mortgages in Birmingham. One of the benefits of speaking with a mortgage broker in Bromsgrove is that our teams of mortgage advisors can search through 1000’s of deals to find you the most appropriate and favourable buy to Let mortgage for you and both your personal and financial circumstances.

If you would instead purchase your buy to let property through a limited company (Special Purpose Vehicle), our team will be able to discuss with you what options to take as they have had experience dealing with many different areas of the buy to let mortgage market. As well as standard residential buy to let mortgages in Bromsgrove, our team also have in-depth knowledge and experience assisting with HMOs (House of Multiple Occupancy) and holiday lets, should you require it.

The minimum deposit for a Buy to Let mortgage is usually 25% of the property value. Depending on your situation, this can vary between 20%-40%. One of our mortgage advisors in Bromsgrove will be more than happy to try and answer any questions you have.

Remortgaging in Bromsgrove

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If your mortgage term is coming to it’s end, it’s time to consider looking into your remortgage in Birmingham. This involves switching to another mortgage deal to avoid falling onto your lender’s standard variable rate of interest. Our remortgage advisors in Bromsgrove can assist you in finding competitive rates and products in the market. If you’ve kept up with your repayments, you may find that you have competitive rates available to you.

Aside from finding a better deal, many individuals choose to remortgage for purposes such as home improvements, releasing equity, or consolidating debt into their mortgage. To speak with one of our expert remortgage advisors in Bromsgrove, book your free remortgage review with us today.

Self Employed Mortgages Bromsgrove

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If you are self employed in Birmingham, the mortgage process will be similar to other scenarios, with one key difference – the requirement to provide evidence of your income. Your mortgage advisor in Bromsgrove will guide you on the additional documents you need to provide. Just like with other mortgage types, they will conduct an affordability assessment and explore the available deals suitable for you.

Mortgages for Over 50s & Equity Release in Bromsgrove

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Homeowners who happen to be over the age of 55 and meet the right criteria, such as for property value, could find it worthwhile looking at their options for a equity release in Bromsgrove. Equity release in Bromsgrove is typically taken out either as a home reversion plan or more commonly, as a lifetime mortgage in Bromsgrove.

Beyond this, for customers over the age of 50, you may find that there are other potential mortgage options for you, as you head towards later life. These can include options such as retirement interest only (rio) mortgages, term interest only (tio) mortgages, hybrid mortgages, as well as standard mortgages and remortgages in Bromsgrove.

Mortgages for over 50s and especially equity release in Bromsgrove, tends to be a very specialist area and it is key that you get in touch with a qualified and professional mortgage broker in Bromsgrove, to understand your options. We will always look to see if an alternative is more suitable for you first, before we look at equity release in Bromsgrove.

To understand the features and risks, ask for a personalised illustration. Equity Release may come in the form of a lifetime mortgage or home reversion plan.

A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.

A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.

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Our Simple 4-Step Process

Book Online

Step 1

Booking your free mortgage appointment is easy with our online process. Simply choose your preferred date and time, and we will connect you with an expert mortgage broker in Birmingham. They will take the time to understand your situation and assess your affordability.

Free Mortgage Apppointment

Step 2

During your appointment, your advisor will provide you with an Agreement in Principle, typically within 24 hours. Using this information, they will search for a suitable mortgage product that meets your needs.

Finding a Suitable Product

Step 3

Once you are satisfied with the mortgage product, we will proceed with your application. Our team will handle the application process, ensuring that it is completed accurately and efficiently.

Submit Your Application

Step 4

Finally, we will submit your mortgage application to the lender and work with them to get it approved. We will keep you informed throughout the process and answer any questions you may have.

Reasons to Choose us

Free Appointment in Bromsgrove

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Booking a free appointment with one of our mortgage advisors in Bromsgrove is quick and easy with our online system. mortgage broker in Birmingham We are available seven days a week to answer any questions you may have, whether you are seeking mortgage advice, equity release, or insurance products.

Search 1000s of products

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As professional mortgage broker in Brimingham with extensive knowledge and experience, we can help you compare deals from various lenders and find the right mortgage product for your unique situation.

Our Service

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Unlike the mortgage advisors at banks, who can only offer products from their own institution, our team has access to a panel of lenders, including those with specialist mortgage products. Furthermore, securing an appointment with a bank’s mortgage advisor can be challenging and frustrating, especially if you are actively looking at properties or ready to make an offer.

7 Days a Week

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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!

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Bromsgrove

How does the free mortgage consultation in Bromsgrove work?

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Your free mortgage consultation in Bromsgrove will last round 30 minutes. During your free mortgage appointment you will get the chance to speak with an expert mortgage advisor in Dudley.

They will ask a series of questions about your mortgage needs and your personal and financial situation. Once they have what they need from you, they can then go away and begin searching 1000’s of deals for the most suitable mortgage deal.

Why use a mortgage broker in Bromsgrove like us?

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Our job as a mortgage broker in Bromsgrove, is here to provide you with the nesessary support and guidance during the entire mortgage process. We don’t just try and find you a competitive mortgage deal, we search the market to find you the most suitable mortgage product that is tailored to your personal and financial circumstances.

When should I obtain an Agreement in Principle in Bromsgrove?

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We recommend that everyone obtains an Agreement in Principle (AIP) prior to viewing properties. This is because having one in place shows the seller that you have the nesessary funds and in the position to proceed. Some people use an AIP as a bargaining tool.

How long does an Agreement in Principle last?

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Your Agreement in Principle (AIP) will last around 30-90 days. If your AIP expires before you get to make an offer on a property, a member of our team will be more than happy to get this renewed.

Can I get a second mortgage in Bromsgrove?

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Yes, it can be possible to get a second mortgage, depending on what you’re looking to achieve. There are lots of different reasons why someone may want to get a second mortgage. Some of these include if you are looking to consolidate your debts, home improvements or are a buy to let landlord looking to increase your property portfolio.

How much deposit do I need for a mortgage in Bromsgrove?

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The amount that’s needed for a mortgage deposit is 5%, as long as the applicant has a credit scedit score this should be okay with most hight street lenders. However, if you’ve had credit issues in the past, you may have to expect to put down a higher deposit than usual, somewhere around 10-15%.

We Search 1000s of Mortgages in Bromsgrove

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

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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7 Days a Week, 8am – 10pm

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