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Mortgage Broker in Kidderminster 

& 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 Kidderminster 

& 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 Kidderminster 

As a mortgage broker in Kidderminster, we are determined to provide and fast and friendly mortgage advice service to all mortgage applicants. Our job is to help you through every step of the mortgage process so that you feel comfortable and secure every step of the way.

Every customer benefits from a free mortgage appointment or a callback, which you can easily book online. We work to your schedule, meaning that you can pick your own date and time for your appointment. We have appointments available early in the morning, in the afternoon or later at night. You can also choose a weekend slot if that works better for you!

Working 7 days a week provides a flexible approach to your mortgage process in Kidderminster, meaning that you can get in touch any time of the week. We work around you and your busy schedule, so don’t hesitate to get in touch at a time that is more convenient for you.

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Your Mortgage Options in Kidderminster 

All of our Customers Receive a Free Mortgage Appointment!

In order to find you the perfect mortgage, as a mortgage broker in Kidderminster, we will search through 1000s of products. On our panel of lenders, we have access to many different types of mortgage products, including high street and specialist deals.

During your free mortgage appointment, you will speak to a mortgage advisor in Kidderminster who specialises in your personal and financial situation. They will ask you questions about what you are looking to achieve from your mortgage process and start to gather information from you like your income, average monthly expenditures, credit score etc. This will help them paint a picture of your mortgage situation and allow them to start searching for the perfect mortgage for you in Kidderminster.

Our service doesn’t stop there, we want to make sure that you are always on the best mortgage product available to you. We will be here to help you remortgage and find the best rate available to you. We recommend taking advantage of our free mortgage tracker where you can receive daily updates to check whether you are on the best rate possible.

After working in the mortgage industry for over 20 years, we have been able to work with 1000s of different applicants in all kinds of situations. From first time buyers and home movers to buy to let applicants and the self employed, we will be more than happy to try and help you through your situation. Getting mortgage advice in Kidderminster can be very beneficial to your mortgage situation and can give you that helping hand you need to get over the completion line!

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Your Mortgage Options in Kidderminster 

First Time Buyer Mortgages in Kidderminster 

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As a first time buyer in Birmingham, Taking out your first mortgage can be confusing, it can almost be as if you don’t know where to start. Using a mortgage broker in Kidderminster can help you get through your mortgage journey and make the process simple and stress-free.

We will start by working out how much you can borrow for a mortgage in Kidderminster. Most first time buyers will have to put down a minimum of a 5% deposit for their first mortgage, however, you may be asked to provide a little more in some cases. If you have bad credit or other large financial commitments, you may need to provide a 10%-15% deposit on the property. Once we have worked out how much you can borrow and have spoken to you during your free mortgage appointment, we can begin searching for the perfect mortgage for you in Kidderminst

Moving Home Mortgages in Kidderminster 

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The process of moving home in Birmingham can be an incredibly stressful experience for a homeowner.

When moving home, if you are unable to port your mortgage to your new property, you will have to take out a mortgage on your new home. At the same time, you will also have to sell your current home, which can add stress to the process. As your mortgage broker in Kidderminster, we will take over the mortgage side of the process, taking the stress with us too.

Your mortgage advisor in Kidderminster will run through all of the costs of moving home with you and make you aware of the costs of getting a mortgage. We will always be open and honest with you at all times during the mortgage process, we’re always trying to save you time and money.

Buy to let Mortgage Kidderminster 

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We’ve helped a great many budding landlords in Kidderminster  who want to grow their property portfolio by taking out a buy to let mortgages in Birmingham.

We have experience with all different kinds of landlords looking to achieve different things with their buy to let mortgage in Kidderminster. Our buy to let mortgage advisors in Kidderminster have been working with landlords for over 20 years now, and they would love to try and help you through your mortgage process too!

Our team also specialise in HMOs, interest-only mortgages and buy to let remortgage. Book your free buy to let mortgage appointment in Kidderminster today.

Remortgaging in Kidderminster 

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If you are nearing the end of your fixed mortgage term, you need to start thinking about remortgage in Birmingham will mean that you avoid falling onto your standard variable rate of interest, which will be significantly higher than your current rate.

We would recommend starting your remortgage process up to 6 months before your fixed rate is due to end. You are then allowing plenty of time for us to find you a suitable product. You can book a free remortgage review with a remortgage advisor in Kidderminster online. They will look at your remortgage options with you and see whether you can save money via remortgaging through a different lender.

As a mortgage broker in Kidderminster, we can also help you explore other remortgage options such as remortgaging for home improvements, releasing equity or debt consolidation.

Self Employed Mortgages Kidderminster 

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If you are self employed in Birmingham, looking for a mortgage in Kidderminster , you’ll need to know that the process can be a bit different from what it would be for other, regularly employed applicants.

You’ll typically have to provide a lot more evidence to prove your income and meet mortgage lender criteria. Don’t worry though! Our mortgage advisors in Kidderminster  are experts in self employed mortgage lending criteria and have helped many applicants who are self employed in Kidderminster .

To qualify for a self employed mortgage in Kidderminster , you must own at least 20-25% of your business, and you’ll need to have been trading for at least two years.

Mortgage Options for Over 50s in Kidderminster 

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If you are looking to get a mortgage over the age of 50, there are still plenty of options available to you. Our later life lending mortgage advisors in Kidderminster would love to offer a helping hand and get your process started.

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Our Simple 4-Step Process

Book Online

Step 1

Your first step is to simply reach out to us. You can choose your date and time for your free mortgage appointment online or give us a call and we can book you in.

Free Mortgage Apppointment

Step 2

The next step is to speak with a mortgage advisor in Kidderminster. They will gather some information regarding your mortgage situation in order to find you the perfect mortgage product. Once they pick out the perfect mortgage product for you, they will present their recommendation.

Finding a Suitable Product

Step 3

It is up to you whether or not you take our mortgage recommendation. Unfortunately, if you do not want to continue with us, you will not be able to take out the product. If you choose to continue with us and the deal, we can begin to prepare your mortgage application with us. At this stage, we will hand you over to your dedicated case manager.

Submit Your Application

Step 4

Your dedicated case manager will help you prepare your documents for your mortgage application. When you come to submit your mortgage application, they will make sure that you are kept in the loop and update you on any changes to your application status. Once we hear back the good news, we will be in touch right away to inform you that your mortgage offer has been approved!

Reasons to Choose us

Free Appointment in Kidderminster 

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Getting mortgage advice in Birmingham has never been easier. You can get in touch with our team by reaching out online or by giving us a call. Also, you can take a look at our free mortgage guides across our website if you want some quick answers to your mortgage questions. we have articles on how to improve your credit score to what lenders look for on your bank statements.

Search 1000s of products

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Our mortgage advice service goes beyond just finding you a mortgage. First of all, we will make sure that you are on a deal that is tailored to your specific circumstances, we will not put you forward for a product where you could be declined. When choosing which type of mortgage you are looking to take out, your mortgage advisor in Kidderminster will recommend the one that is most beneficial for your individual situation.

Our Service

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Our 5-star reviews tell you everything that you need to know about our work and service. We have generated brilliant customer reviews over our 20 years of working within the mortgage industry, take a look at our reviews page.

7 Days a Week

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As a mortgage broker in Birmingham, our job is to guide you through the whole mortgage process. We are determined to get you the keys to your dream home and find you the perfect mortgage to go with it. Our mortgage advisors in Birmingham are available 7 days a week and they would love to hear from you to help you through your journey.

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Kidderminster 

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

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When looking for a mortgage in Kidderminster, it is important to note that most lenders typically require a minimum deposit of 5% of the property’s value. Nevertheless, depending on your credit score, you may need to provide a higher deposit, ranging from 10% to 15% or more, of the property’s purchase price.

Why use a mortgage broker in Kidderminster like us?

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As a mortgage broker in Kidderminster, our objective is to provide our full support and guidance throughout the mortgage process. We do not just try and find a mortgage deal, we will try and find you a mortgage deal that is the most suitable mortgage product for you, tailored to your individual financial and personal circumstances.

We will also help you prepare your mortgage application so that you look the best that you can in front of your lender with all of the correct documents in place to support your income and affordability.

How does my free mortgage appointment in Kidderminster work?

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Your free mortgage appointment will typically last between 30 minutes to an hour, during which you will have the opportunity to speak with one of our mortgage advisors in Kidderminster.

To gain a comprehensive understanding of your objectives, your mortgage advisor in Kidderminster will ask you a series of questions regarding your personal and financial circumstances to enable us to determine the most suitable mortgage products available to you.

Following your appointment, your mortgage advisor in Kidderminster will carefully evaluate your information and commence a diligent search for the most appropriate mortgage product that aligns with your unique situation.

Can I get a second mortgage in Kidderminster?

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As a mortgage broker in Kidderminster, we have helped many applicants in obtaining second or multiple mortgages. This includes buy to lets, let to buys, holiday lets, and other purposes.

Acquiring an additional mortgage typically requires a substantial deposit, a good credit score, and the ability to afford two sets of large mortgage payments. In situations involving let to buy or buy to let mortgages in Kidderminster, having a tenant covers your second set of payments.

We strongly recommend seeking advice from a mortgage advisor in Kidderminster to assess your eligibility before proceeding with another mortgage application. Our skilled team, with over two decades of experience in the industry, would love to help you through your mortgage process.

When should I obtain an agreement in principle in Kidderminster?

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Prior to searching for a property in Kidderminster, we would advise securing an Agreement in Principle (AIP). As a mortgage broker in Kidderminster, we can usually prepare this document within 24 hours of your mortgage appointment.

An AIP is a document that serves as an indication of your financial capability to afford a mortgage, given that you can provide evidence to support your income, credit history, and other relevant factors. Also, they can sometimes help you negotiate with your seller and their asking price.

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

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Yes, it still may be possible to get a mortgage in Kidderminster despite having bad credit. There are specialist lenders out there that hold products for these types of buyers.

You should know that these products will often require you to put down a larger deposit total. Usually you would expect to put down a 5% deposit, however, with bad credit it may stretch to 10%-15%.

If you want bad credit mortgage advice in Kidderminster, our team will happily answer your questions and can also direct you to an advisor that specialises in your area.

We Search 1000s of Mortgages in Kidderminster 

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

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