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Mortgage Broker in Lichfield

& 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 Lichfield

& 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 Lichfield

As a trusted mortgage broker in Lichfield, we have built a fantastic reputation of helping many customers in Lichfield who are looking at getting a mortgage in Lichfield. Utilising a combination of experience and knowledge, we can help you achieve your homeowning goals whether you are a first time buyer or are looking to move home.

When you get in touch with us, we will offer a free no-obligation consultation which you book in either on the phone or through our book online process which is located on this website. We are open 7 days a week so that you can speak to one of our mortgage advisors in Lichfield at a date and time that suits you. This is all part of the flexible and friendly service we offer!

We strive in finding you a mortgage that is fitting for your personal and financial situation. Our team are always open and honest with customers so if they cannot access a better mortgage product than the one that you are currently on, we will say. As well as this, we are always looking for ways to help you save time and money.

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Your Mortgage Options in Lichfield

All of our Customers Receive a Free Mortgage Appointment!

With over 20 years of mortgage experience, our team have encountered a variety of mortgage situations. If you feel your situation is a little out of the ordinary and feel like it’s too complex, you may benefit from reaching out to a specialist mortgage broker in Lichfield. Even if we haven’t faced a situation like yours, we love a challenge and we will work hard in finding you the best solution.

Whatever your situation may be, every customer will find a free mortgage appointment with a mortgage advisor in Lichfield helpful for their mortgage journey. We have access to a large panel of lenders who offer both high street and specialist mortgage products. When you have attended your free mortgage appointment, your dedicated mortgage advisors in Lichfield will then search 1000s of deals to find you a deal that is fitting for your situation. They will look into your personal and financial situation before recommending you a mortgage product.

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Your Mortgage Options in Lichfield

First Time Buyer Mortgages in Lichfield

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Stepping into the mortgage world for the first time buyer in Birmingham, can be an exciting but daunting experience. We work hard in taking as much of the stress off your shoulders and getting you on the road to homeownership. As well as finding you a mortgage for your dream home in Lichfield, we will also help you with completing your mortgage application.

It can be common for many first time buyers to be wondering how much they can borrow for a mortgage in Lichfield. This is something we can help you out with. Within your free mortgage appointment, your dedicated mortgage advisor in Lichfield will get an idea of your financial situation and provide you with information on all the costs that come with a mortgage.

Moving Home Mortgages in Lichfield

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If you’re considering moving home in Birmingham or the surrounding areas and, aren’t able to port their mortgage, will need to look at taking out a new mortgage. Our team can help with this!

The moving home process can come with its stresses as you will be buying and selling your home at the same time as well as sorting out the mortgage aspect in the process. Our aim is to provide you with a simple and stress-free service and take away the mortgage side of the process while you focus on the move itself.

Buy to let Mortgage Lichfield

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Whether you are an existing or budding landlord looking at obtaining a buy to let mortgages in Birmingham, our team are here to help!

We have built a fantastic reputation helping many landlords as well creating close relationships with them. Furthermore, we find that many of the landlords that approach us initially return for either a remortgage on their existing properties or are looking to build their portfolio further. Our team will search through our large panel of lenders to find the one that is fitting for your investment goals.

Remortgaging in Lichfield

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Are you thinking about remortgaging? Is your current deal coming to its end? If so, now could be the perfect time to remortgage in Birmingham. Your remortgage advisor in Lichfield 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 Lichfield 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 Lichfield like us.

Self Employed Mortgages Lichfield

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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 Lichfield 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.

Mortgage Options for Over 50s in Lichfield

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As a mortgage broker in Lichfield, we have many mortgage options for individuals over the age of 50. Our expert team can help you find the perfect option for your situation.

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Our Simple 4-Step Process

Book Online

Step 1

Using both our extensive experience and rich knowledge of the mortgage industry, our team can help you get the mortgage advice in Lichfield you need. We offer all our customers a free mortgage appointment which they can book either by calling our team or through our modern book online system on the website.

Free Mortgage Apppointment

Step 2

As well as this, we provide free financial education through our mortgage guides on the website and our MoneymanTV YouTube channel. Within your mortgage appointment, you can discuss your goals and options with a dedicated mortgage advisor.

Finding a Suitable Product

Step 3

You will also be asked a series of questions so you advisor can have an idea of your financial situation and find the most appropriate option for you and find you the most suitable mortgage product.

Submit Your Application

Step 4

After you attend your mortgage appointment, our team will sort you out with an Agreement in Principle which usually takes around 24 hour. Having this document with you can be a beneficial tool when making offer on properties.

Reasons to Choose us

Free Appointment in Lichfield

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We understand that every customer approaches us for mortgage advice in Birmingham from different circumstances and with different mortgage goals. Whether that is for them to take their first step onto the property ladder or to move to a new property in Lichfield, we are proud to provide a flexible and tailored service.

Search 1000s of products

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We understand that the mortgage journey can come with its challenges and hurdles which is why we are here to provide a helping hand to all our customers. Utilising a combination of both our knowledge and experience we can help you find a mortgage product that is appropriate for your circumstances. We are always transparent with our customers meaning if we feel you are already on the best deal, we will tell you this.

Our Service

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Take a look at our customer reviews to see how our service has helped many customers in Birmingham and the surrounding areas.

7 Days a Week

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It’s never been easier to speak to a open and honest mortgage broker in Birmingham! Our team are available 7 days a week from early in the morning until late at night so whatever your day to day life looks like, you can book a free mortgage appointment at a time that suits you. We look forward to speaking with you!

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Lichfield

How much can you borrow for a mortgage in Lichfield ?

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When searching for a mortgage in Lichfield, it’s crucial to bear in mind that most lenders usually require a minimum deposit of 5% of the property’s value. Nevertheless, depending on your credit score, you may need to provide a more substantial deposit of 10% to 15% or even more, contingent on the property’s purchase price.

When should I obtain an agreement in principle in Lichfield?

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Prior to initiating your property search in Lichfield, we suggest obtaining an Agreement in Principle (AIP). As a mortgage broker in Lichfield, we can typically generate this document within 24 hours of your mortgage consultation.

An AIP is a valuable document that serves as an indicator of your financial ability to afford a mortgage, assuming you can provide supporting evidence for your income, credit history, and other pertinent factors. Moreover, an AIP can occasionally assist you in bargaining with the seller and potentially lowering their asking price.

Why use a mortgage broker in Lichfield like us?

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Our goal as a mortgage broker in Lichfield is to provide you with extensive support and guidance during the entire mortgage process. Our services surpass merely locating a mortgage deal; we endeavor to identify a mortgage product that ideally suits your distinct financial and personal situation.

Moreover, we will aid you in preparing your mortgage application to present the most favorable impression to your lender. We will guarantee that all crucial documentation is in place to back up your income and affordability, providing you with the greatest likelihood of success.

How does my free mortgage appointment in Lichfield work?

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If you schedule a free mortgage consultation with us, you can anticipate spending around 30 minutes to an hour conversing with one of our experienced mortgage advisors in Lichfield.

Throughout the consultation, your advisor will ask a series of questions about your personal and financial situation to gain a complete understanding of your objectives. This will enable us to pinpoint the most suitable mortgage products that are available to you.

Following your appointment, your designated mortgage advisor in Lichfield will analyse your details and conduct a comprehensive search to identify the most fitting mortgage product that aligns with your particular situation.

Can I get a second mortgage in Lichfield?

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As a mortgage broker in Lichfield, we have helped customers obtain second or multiple mortgages for various purposes, such as buy to lets, let to buys, holiday lets, and more.

Securing an additional mortgage usually requires a substantial deposit, a strong credit score, and the financial ability to make two significant mortgage payments. However, for let-to-buy or buy-to-let mortgages in Lichfield, having a tenant can cover the second set of payments.

We highly recommend seeking guidance from a reliable mortgage advisor in Lichfield to assess your eligibility before applying for another mortgage. Our experienced team, with over two decades of industry expertise, is eager to guide you through the mortgage process.

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

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Even if you have a poor credit history, it is feasible to obtain a mortgage in Lichfield through lenders who provide products specifically designed for such buyers. However, it is important to keep in mind that these products usually necessitate a higher deposit than a standard mortgage. While a 5% deposit is typical, individuals with bad credit may need to put down 10%-15%.

If you need assistance in securing a bad credit mortgage in Lichfield, our team is here to help you. We can address your concerns and refer you to a specialist advisor located in your vicinity.

We Search 1000s of Mortgages in Lichfield

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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