Open & Honest Mortgage Advice in Halesowen
Welcome to our page for offering Mortgage Advice in Halesowen. As an experienced and dedicated Mortgage Broker in Halesowen, it is our job to provide you with help and guidance your entire mortgage process. We have been working within the mortgage industry for over 20 years now and have a lot of experience in helping customers save both their time and money.
Welcome to our Mortgage Advice page for your Mortgage Broker in Halesowen. We have been delivering Mortgage Advice in Halesowen for over 20 years now and have come across almost every single mortgage situation possible. With our complete help and guidance and industry knowledge and experience combined, we will.
We are aware that the mortgage process can be quite difficult, especially if you are a First Time Buyer in Halesowen. Our team of mortgage advisors aim to take all of this stress away, providing a refined service and ensuring the process without any complications or obstacles. By using both our experience and mortgage knowledge, we will do our best to ensure you get exactly where you want to be with your mortgage.
All Situations Considered
As a Mortgage Broker in Halesowen, we have come across a wide variety of mortgage situations, and in most of those, we have seen success. We believe there is no task too big, nor too small to handle. Our team of mortgage advisors love a good challenge!
Here are the most common mortgage situations that we have encountered as a Mortgage Broker in Halesowen:
- First Time Buyer Mortgages
- Remortgage Advice
- Buy to Let Mortgages
- Moving Home Mortgage Advice
- Self Employed Mortgages
- Help to Buy in Birmingham
- Right to Buy Mortgage Advice
- Specialist Mortgage Scenarios
If do not see a situation like yours listed above, worry not as it is still more than likely that we have already encountered or solved a situation like it in the past. We know how hard it can be to continue your mortgage application when faced with something difficult, which is why we are here to offer help and support to get you over these hurdles and one step closer to achieving what you wish to achieve.
Mortgage Advice for New Purchases & Remortgage Advice in Halesowen
First Time Buyer and Moving Home Mortgage Advice in Halesowen
Usually, we find that most First Time Buyers prefer to use a broker, however, you may still reap the benefits of this even if you have done it before. We have access to thousands of mortgage deals through using our vast panel of more than 30 lenders. Once we have your information keyed into our system, a Mortgage Advisor in Halesowen will start their search to find the perfect deal for you. They will try to find a competitive mortgage deal that will benefit your personal and financial circumstances
Remortgage Advice in Halesowen
If you are looking at your options for a remortgage, approaching a Mortgage Broker in Halesowen could be your best choice. We are able to shop around various remortgage deals for you, aiming to secure a better deal than the one you already have.
Even if you are interested in remortgaging for home improvements, our team are able to help you with that. Maybe you are trying to raise capital or want to remortgage to pay off a credit card or loan? These are other areas we can specialize in. Getting Remortgage Advice in Halesowen could be extremely beneficial for you and your remortgage process. For a free remortgage consultation, get in touch with a Remortgage Advisor in Halesowen and we will see how we can help.
We Work For You
We have Mortgage Advisors in Halesowen available from 8am-10pm, 7 days a week and are able to work around times that best suit you and your lifestyle. Do not worry, there will always be someone to talk to and we will ensure you are in safe hands going forward.
We want to make sure you feel secure and comfortable during every stage of the process, and that is why everything between is strictly confidential.
Speak to a Mortgage Advisor in Halesowen today
We really value customer service; it is at the heart of everything we do. We regularly get feedback on the service we provide as a Mortgage Broker in Halesowen, something that allows us to see what people have said about their experience with us and allows us to grow and provide that same service to everyone we can.
Every one of our Mortgage Advisors in Halesowen are experts within every mortgage department. Being responsive, caring, open and honest are traits we pride ourselves on.
We highly recommend that you take advantage of our free mortgage consultation; we look forward to you getting in touch with your Mortgage Broker in Halesowen and your Mortgage Advisor in Birmingham.
We search 1000s of mortgage deals across a large number of lenders, including:
How do I transact with my Mortgage Broker in Halesowen?
You’ll benefit from a free initial mortgage consultation with one of our experts. Out of hours mortgage advice isn’t a problem, we have in-house mortgage advisors working until late to take your mortgage enquiries. Give us a call anytime from 8am-10pm, 7 days a week, we may be able to help!
Why shouldn’t I go to my bank for Mortgage Advice in Halesowen?
The banks’ mortgage advisors are only able to offer their own products. Their mortgage advisors can also be rather hard to get an appointment with, so if you’re actively looking at properties or are ready to offer this can be very frustrating. Approaching a mortgage broker will work in your favour, as we can compare 1000's of deals for you deals not just a limited amount. Our huge panel consist of more than 30 lenders, so finding you that perfect deal shouldn't be a problem for us.
My bank turned me down – Will you be able to get me a mortgage?
Quite often, customers that contact us for mortgage advice have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we are able to help with this; we do have over 20 years of industry experience after all.
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We’ll help and support you anytime you need us, 7 days a week! The home buying process isn’t always easy, we’ll help you over any hurdles you face.
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We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
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Please read our genuine customer Reviews at Reviews.co.uk. Your service is really important to us!
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Mortgage advice is available morning, evening or at the weekend. We’re here at a time that suits you and your family.
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We’re not like a bank – We’re able to search 1000’s of mortgage deals in order to recommend the best one for you!
Common Mortgage Questions
The typical amount needed for a mortgage deposit in Dudley is 5%. Most High Street Lenders require this minimum percentage for mortgage applicants with a ‘good’ credit history. However, if you’ve had credit issues in the past, you may have to expect to put down a higher deposit than usual, sometimes 10-15%.
Yes, it can be possible to get a second mortgage. In some cases, you may even want more than two!
There are lots of different reasons why someone may want to get a second mortgage, perhaps you are looking to consolidate your debts, improve your home or are a Buy to Let landlord looking to increase your Buy to Let portfolio.
Have one mortgage can be stressful enough, if you need Specialist Mortgage Advice in Dudley, don’t hesitate to get in touch.
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, you can easily apply for it to be renewed. A Mortgage Broker in Dudley like us will be able to help you with this!
We always recommend that you secure an Agreement in Principle (AIP) before the viewing properties stage. This is because having one in place shows that you will have the funds to pay for the mortgage, given that you can supply documents to support your income, credit history etc. Having an AIP may also allow room for price negotiation.
A Mortgage Broker in Dudley like us, is here to provide full help and guidance through the whole mortgage process. We don’t just try and find you a competitive mortgage deal, we try and find you a product that is tailored to your personal and financial circumstances.
Your free mortgage consultation in Dudley will last round one hour. During your consultation you will get the chance to speak with a Mortgage Advisor in Dudley. They will ask you some 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 for the perfect mortgage deal for you! They will try to find one that is competitive and ticks all of the boxes for you.
You will need at least 5% of the sale price of your new build property in Birmingham. The Government will then loan you up to 20% to the value of the property.
Most lenders will use the discount as a deposit for your mortgage. However, some lenders will require you to put down a deposit in addition to the discount. This is sometimes the case if you have credit problems. Our Mortgage Advisors in Birmingham will be able to help answer all of your right to buy deposit questions.
The minimum deposit for a Buy to Let mortgage is usually 25% of the property value. However, this can vary between 20%-40%. One of our Mortgage Advisors in Birmingham will be more than happy to try and answer your Buy to Let mortgage deposit questions.
If you are on your lenders SVR (Standard Variable Rate of Interest), it is more than likely that you will be able to save money! We will compare the new mortgage deals available in Birmingham against your current mortgage deal to work out these savings for you. If you have equity in your property, a remortgage would also allow you to release some of this money if required. Usually, for home improvements.
You can remortgage and increase the size of your mortgage to pay off unsecured debts. Please do not rush into this though as there are some downsides. Always seek Mortgage Advice in Birmingham before consolidating your debts!
Your free remortgage consultation in Birmingham will last around 1 hour. Your remortgage consultation can be carried out over the telephone or video call. We will then compare a new deal vs your current product and recommend the most suitable with no obligation. You can then decide whether you wish to go ahead or not.
The fees will be similar to the ones involved when you started your current mortgage. However, your dedicated Mortgage Advisor in Birmingham will run through all of the fees with you. Taking these into consideration when comparing the savings of the new deal vs your current mortgage.
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!
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