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Mortgage Broker in Halesowen

& 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 Halesowen

& 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 Halesowen

As an open and honest mortgage broker in Halesowen, a member of our team is available 7 days a week, so you can get in touch with us around a timeframe that best suits you. To kick start your mortgage process, you can book a free mortgage appointment or arrange a callback with one of our mortgage advisors in Halesowen today.

Having worked in the industry for over 20 years, we have helped many applicants through their mortgage journey. We are here to help first time buyers, home movers, those looking to know there remortgage options, buy to let landlords, self employed applicants, those looking at help to buy and right to buy schemes and those in specialist situations.

Our job as your mortgage broker in Halesowen is to take all the stress out of the process and make you feel comfortable and secure throughout. If you think that your mortgage scenario is complicated, don’t hesitate to get in touch, we have helped many applicants in the past, some with complex situations and would be more than happy to try and help you too, it’s all part of what we do as a fast and friendly mortgage broker in Halesowen.

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Your Mortgage Options in Halesowen

All of our Customers Receive a Free Mortgage Appointment!

After booking your free mortgage appointment online, you will speak with a specialises mortgage advisor in Halesowen. They will ask about your personal and financial situation to determine suitable mortgage products. Once the discussion is complete, your advisor will find a tailored product for you.

They will ask you a series of questions regarding your personal and financial situation so that they can work out what sort of mortgage products you would be able to access. Once you have spoken with your mortgage advisor in Halesowen, they will go away to find a product tailored to you.

After your mortgage advisor in Halesowen recommends a suitable mortgage product for you, the next step is to prepare your mortgage application. At this point, you will be assigned a dedicated case manager who will assist you with the application process and ensure that you have all the necessary documentation and information to increase your chances of being approved for the mortgage product.

Your case manager will guide you through the process of completing the application forms and gathering any supporting documents required by the lender. They will also keep you informed of any updates and communicate with the lender on your behalf.

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Your Mortgage Options in Halesowen

First Time Buyer Mortgages in Halesowen

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Our job, as your mortgage broker in Halesowen, is to help you through the entire mortgage process as a first time buyer in Halesowen, from start to finish. We will not only be trying to find you a suitable mortgage for any first time buyer in Birmingham, but we will also help you prepare your mortgage application and help anyway we can help you succeed.

To know the maximum amount, you can borrow for a mortgage in Halesowen, you can get in touch with our team. Once you’ve provided us with the right information, our mortgage advisors in Halesowen will be able to provide an accurate figure as to how much your repayments can be too.

They will also factor in your lifestyle and current financial situation. If you are looking for first time buyer mortgage advice in Halesowen, you can navigate to our first time buyer guides, on our website.

Moving Home Mortgages in Halesowen

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If you’re considering moving home in Birmingham or the surrounding areas despite this not being your first time getting a mortgage, it can still be beneficial to receive mortgage advice in Halesowen before moving home. You will still need to find a new mortgage for your new property if you are unable to port your current one. With the help of a mortgage broker in Halesowen, we aim to remove all the stress from the moving home process, and deal with all the mortgage side of things, leaving you to focus more on the move itself.

We will search through 1000s of products before selecting one that is perfect for you and your new home. Your mortgage advisor in Halesowen will look carefully at your situation and the property that you are looking at buying to determine what sort of deals are best suited.

Buy to let Mortgage Halesowen

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We have helped many first time and experienced landlords secure a buy to let mortgages in Birminghamfor their properties. By speaking to a mortgage broker in Halesowen, your buy to let process should run smoothly and you will be able to receive expert mortgage advice in Halesowen.

We have a large variety of lenders on panel that will offer mortgage products for your buy to let in Halesowen. Our job is to pick out the perfect product for your personal and financial situation. Remember that you need a minimum of a 25% deposit and a good credit score for a buy to let mortgage.

Remortgaging in Halesowen

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If you are coming to the end of your mortgage term, it is time to start thinking about your options toremortgage in Birmingham. Failing to act would result in falling onto your lenders standard variable rate of interest (SVR). We tend to find that his rate of interest is normally much higher than your current rate of interest, therefore, you would likely see your repayments go up.

As a mortgage broker in Halesowen, we deal with remortgages, we aim to find competitive mortgage deals that can help save you money. We can also discuss various remortgage options with you if that’s something you’re considering. Our previous clients have benefited from our services by using remortgaging to fund improvements, release equity and consolidate debt just to name a few.

Mortgage Options for Over 50s in Halesowen

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If you are looking for a mortgage over the age of 50, we have later life lending mortgage advisors in Halesowen who you can speak to. You can book your free mortgage appointment, schedule a callback or ask a question online.

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Our Simple 4-Step Process

Book Online

Step 1

Our web-based booking system provides you with the opportunity to schedule an appointment with one of our professional advisors for a time and date that suits you.

Free Mortgage Apppointment

Step 2

When you contact us, you’ll be put in touch with one of our mortgage advisors in Halesowen. They’ll get to know your financial background and evaluate your affordability. Plus, they’ll sort you out with an agreement in principle.

Finding a Suitable Product

Step 3

Following your consultation, your adviser will go away and scour thousands of offers to find the one most suitable for your circumstances. Once you’re content with your suggestion, the mortgage application process can then be continued.

Submit Your Application

Step 4

Once your application is all set, you must submit your mortgage request to the financial institution. We are devoted to making your mortgage journey as seamless and hassle-free as possible.

Reasons to Choose us

Free Appointment in Halesowen

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Mortgage advice in Birmingham is available morning, evening or at the weekend. Once you make contact with our team, we will be with you every step of the way. Our expert mortgage advisors in Halesowen are at your service seven days a week to provide answers to all your inquiries. If you encounter any doubts throughout the process, feel free to reach out and ask us a question.

To make it easy for you to speak with our team, you can arrange a callback online by following our “Get Started” process. Simply pick a date and time and time that best suits you (subject to avaliability).

Search 1000s of products

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We’re not like a bank – every one of our friendly mortgage advisors in Birmingham can search 1000’s of mortgage deals in order to recommend the best one for you!

Working in the industry for over 20 years now, we have helped loads of home owners and buyers achieve their mortgage goals. Our hard work and determination is refected in our reviews. Feel free to take a look at them to showcase our 5-Star service and see whether we have helped someone in a similar situation to yours.

Our Service

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Feel free to reach out to our team and ask us a question if you are unsure about anything mortgage related. We are responsive and experienced and our job as your mortgage broker in Birmingham is to help you!

7 Days a Week

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We offer every customer a free mortgage appointment, which you can book online or by giving our team a call. As a responsive mortgage broker in Halesowen, we are available 7 days a week. You can select a date and time that best suits you and your personal and working life. We understand that everyone is busy, that’s why the time that is best for you is also best for us

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Halesowen

I have bad credit, can I get a mortgage in Halesowen?

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Although you may have bad credit, it is still possible to secure a mortgage in Halesowen. Specialist lenders offer products tailored to buyers with poor credit.

It is worth noting that these products typically require a larger deposit than a standard mortgage. While a 5% deposit is common, buyers with bad credit may need to put down 10%-15%.

If you require advice on obtaining a bad credit mortgage in Halesowen, our team is available to answer your questions and direct you to a specialist advisor in your area.

When should I obtain an agreement in principle in Halesowen?

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We recommend obtaining an Agreement in Principle (AIP) before embarking on your property search in Halesowen. As a mortgage broker in Halesowen, we can typically prepare this document within 24 hours of your mortgage appointment.

An AIP is a valuable document that serves as an indication of your financial capability to afford a mortgage, provided you can provide evidence to support your income, credit history, and other relevant factors. Additionally, an AIP may sometimes help you negotiate with the seller and potentially reduce their asking price.

Can I get a second mortgage in Halesowen?

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As a mortgage broker in Halesowen, we have a proven track record of assisting applicants in obtaining second or multiple mortgages for various purposes, including buy to lets, let to buys, holiday lets, and others.

Acquiring an additional mortgage often necessitates a sizable deposit, a strong credit score, and the ability to afford two sets of substantial mortgage payments. However, for let to buy or buy to let mortgages in Halesowen, having a tenant can cover the second set of payments.

We highly recommend seeking advice from a trusted mortgage advisor in Halesowen to assess your eligibility before proceeding with another mortgage application. Our experienced team, with over two decades of industry experience, is eager to assist you through the mortgage process.

How does my free mortgage appointment in Halesowne work?

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When you book a free mortgage appointment with us, you can expect to spend between 30 minutes to an hour speaking with one of our knowledgeable mortgage advisors based in Halesowen.

During this time, your advisor will ask you a series of questions about your financial and personal circumstances to gain a comprehensive understanding of your objectives. This will allow us to identify the most suitable mortgage products available to you.

After your appointment, your dedicated mortgage advisor in Halesowen will evaluate your information and conduct a thorough search to find the most appropriate mortgage product that aligns with your unique situation.

Why use a mortgage broker in Halesowen like us?

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As a mortgage broker in Halesowen, our objective is to offer comprehensive assistance and advice throughout the entire mortgage process. Our services are not limited to merely finding a mortgage deal; we strive to identify a mortgage product that best fits your unique financial and personal circumstances.

Additionally, we will assist you in preparing your mortgage application to present the most favorable image possible to your lender. We will ensure that all necessary documents are in place to support your income and affordability, giving you the best chance of success.

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

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When looking for a mortgage in Halesowen, it’s essential to keep in mind that the majority of lenders typically expect a minimum deposit of 5% of the property’s value. However, depending on your credit score, you might need to provide a more substantial deposit of 10% to 15% or even more, based on the property’s purchase price.

We Search 1000s of Mortgages in Halesowen

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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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Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm

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