It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
& 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!
& 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
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As a mortgage broker in Mere Green, the aim is to provide expert mortgage advice in Mere Green to help you achieve your mortgage goals. With over 20 years of experience, we are dedicated at providing professional mortgage advice in Mere Green to all of our customers, no matter their situation.
Our team of knowledgeable mortgage advisors in Mere Green is here to support you throughout the entire process, making it as stress-free as possible. That’s why we understand that obtaining a mortgage can be a daunting experience. Which is why we aim to simplify the process and reduce your stress levels. Our ultimate goal is to help you achieve mortgage goals by providing you with worry-free and uncomplicated mortgage solutions.
During your free mortgage consultation, you’ll get the opportunity to speak with one of our dedicated mortgage advisor in Mere Green. The consultation will roughly last around 30-minutes. If you are currently viewing properties in Mere Green and booking house viewings, your mortgage advisor in Mere Green will also be able to prepare an agreement in principle for you within 24 hours after your free initial appointment.
As a mortgage broker in Mere Green, we prioritise being responsive and ensuring that you won’t have to wait long for an answer. We’re available 7 days a week, and provide mortgage advice in Mere Green from early until late, so simply book online or give us a call.
First time buyer in Birmingham who are embarking on one of the biggest financial commitments may find the mortgage process daunting, leaving you unsure where to start. Being a fast and friendly mortgage broker in Mere Green, once you’ve book a free appointment, from first point of content to handing over the keys, you’ll be provoided with regular updates throughout the entire process.
During your appointment, you’ll be asessed and asked a series of question regaridng your financial background and what you are looking to achieve. From there, we’ll conduct an affordability assessment to see what deal are avaliable to you.
Your allicated mortgage advisor in Mere Green will search 1000’s of deals and sift through the ones that best suits your situation, and tell you the maximum amount you can borrow for a mortgage and how much your repayments will be. Within 24 hours after your appointment, we wil provide you with an Agreement in Principle for you, which is a good barganing tool when making any offers on a property.
If you have any question at all, our mortgage advisors in Mere Green will be more than happy to answer, so don’t hesitate to ask.
Those who are in the process of moving home in Birmingham will be a more familiar with the process, but managing the simultaneous buying and selling of properties can be challenging. As a reputable mortgage broker in Mere Green, a member of our team will be more than happy to manage the mortgage side of things, giving you more time to focus on the move itself.
It’s good to check your affordability prior to taking viewing and making offers. We can help you with working up a budget so you know what types of properties you can afford in Mere Green, if you haven’t done so already.
Over the years, we have developed a close and long-lasing relationships with many landlords and helped them secure a buy to let mortgages in Birmingham. Whether you are a first tome buyer landlord, or have an existing property portfolio, our team will be more than happy to help.
We offer a range of mortgage options, including HMO, Holiday Let, Let to Buy, and more. Our mortgage advisor in Mere Green can help you explore your buy to let options and find the most suitable mortgage for you.
As your fixed mortgage term approaches its end, it’s time to consider remortgage in Birmingham. This involves switching to another mortgage deal to avoid falling onto your lender’s standard variable rate of interest. We 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. Book your free remortgage review, to see how one of our mortgage advisors in Mere Green can explore your remortgage options today.
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 Mere Green 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.
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 Mere Green. Equity release in Mere Green is typically taken out either as a home reversion plan or more commonly, as a lifetime mortgage in Mere Green.
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 Mere Green.
Mortgages for over 50s and especially equity release in Mere Green, tends to be a very specialist area and it is key that you get in touch with a qualified and professional mortgage broker in Mere Green, 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 Mere Green.
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.
Our Customers Love Us
4.99 Rating82 Reviews
Katia
They were really supportive and faster. I highly recommend their services.
1 month ago
Brian
I am very impressed and pleased with the service provided. Both Dan and Jonathan are consummate professionals who kept me informed at every stage of the process and were always on hand to answer any questions. They were sympathetic and eager to...
2 months ago
Mandy
They have been very helpful ,very patient helping sort any hiccups sorted everything in the end
4 months ago
Alistair
I have had a real good experience dealing with wayne and lizzie from uk moneyman they have been very informative and helpful couldent thank them enough for there work
4 months ago
Keith
You have given a very good act of yourself and very recommended by my shelf k gurney
4 months ago
Tayla-Leigh
The service that we received from Wayne and the team at UKMoneyMan was amazing. A straightforward and easy process. We highly recommend MoneyMan, especially to those that are first time buyers, everyone was so knowledgable and helpful. Friendly...
5 months ago
Harry
everyone from the money man uk team was a delight to work with, they made it all easy and stress free time for us and gave us all the support we needed. they was a pleasure to work with we will recommend them to family and friends and any future...
5 months ago
Anonymous
Dan was very helpful and knowledgeable and dealt with our mortgage quickly and efficiently.
6 months ago
Philip
Dan and Jonathan were very helpful and explained everything in detail. We were able to then make an informed decision on our lifetime mortgage.
8 months ago
Philip
Dan and Jonathen explained everything in a clear and concise manner and were quick to address any concerns. All in all it has been a straightforward experience.
8 months ago
Anonymous
Great brokers, very helpful and efficient.
11 months ago
Charlotte
Fantastic! So quick and efficient and answered all of my questions! Jason and Jo were great, i couldn’t recommend them more! As first time buyers it was an overwhelming process but they made each step so easy! We would certainly recommend!
11 months ago
Rasna
Dinah and Stacey, both have been amazing dealing with my mortgage. I can’t recommend them enough, Dinah has been helpful and has gone above and beyond to get the support/advice I need. I’ve had to change my property and both Dinah and Stacey...
1 year ago
James
Jason and his colleagues at UK Moneyman have been amazing from the start. When we began the process of house buying and finding a mortgage we knew very little, but Jason explained much to us in a telephone consultation and outlined all our options....
1 year ago
Samantha
Very impressed, service was really good and efficient and anything g that needed explaining was done very clear. Would definitely recommend
1 year ago
Shelline
Leo Shakespeare and Stacey Jopling has work long side each other to made this entire journey extremely smooth and informative as a first time buyer. His service has been phenomenal. I had been rejected from many other brokers and banks and he...
1 year ago
Nafesa
I have been dealing with Wendy and Malcolm in regards to my house purchase and I could not recommend these enough. A true credit to the company. Very efficient with communication and solving any issues that needed to be addressed. Would highly...
1 year ago
Anonymous
Incredibly helpful, supported throughout whole process
1 year ago
Nazeef
Fantastic experience. Charlie helped me race through to secure the best mortgage offer, best plan for life and critical illness insurance. Very approachable and responsive even with any queries I had after everything was completed.
2 years ago
Tyler
Had great help from both Joe and Chris and Chloe who were all friendly and always happy to help
2 years ago
Giving you complete control over the date and time (subject to availability) booking your free mortgage appointment has never been easier, we can partner you up with an expert mortgage advisor in Mere Green. They will take the time to understand your situation and assess your affordability.
Furthermore, they will arrange your Agreement in Principle which is normally sorted within 24 hours of your free mortgage appointment.
Next, they’ll search through 1000’s of deal to find the most suitable mortgage deal for you. We will continue the mortgage application when you are happy to proceed with our recommendation.
When your mortgage application is ready to proceed, we will put forward your mortgage application to the lender.
Booking a free appointment is quick and easy with our online system. Any questions you may have, whether you are seeking mortgage advice in Mere Green, equity release, or insurance products, we’ll be more than happy to answer.
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 so we can search 1000’s of deals.
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 Birmingham, 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.
We have mortgage advisors in Birmingham available from early until late, 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.
In most cases, when purchasing a property in Mere Green with a mortgage, a minimum deposit of 5% is required by most lenders, calculated based on the property’s value.
However, depending on individual circumstances, a higher deposit of 10-15% may be required, especially if you have a lower credit score or financial history that could make mortgage lenders more cautious in approving your application.
Instances of poor credit history, missed payments, or outstanding unsecured debt can cause mortgage lenders to be hesitant in approving a mortgage in Mere Green.
Therefore, a higher deposit may be necessary to demonstrate your financial stability and ability to repay the loan. It’s important to remember that a mortgage is a substantial loan, and mortgage lenders want to ensure that their applicants can meet their repayment obligations.
It’s still possible to secure a mortgage in Mere Green, even if you have poor credit. There are mortgage lenders who offer products tailored to those with bad credit.
If you have bad credit and are seeking a mortgage in Mere Green, it’s important to be aware that you may be required to provide a larger deposit, typically ranging from 10 to 15% of the property’s value.
If you need guidance on improving your credit score or require advice on securing a mortgage with bad credit, our team of knowledgeable mortgage advisors in Mere Green are available to assist you and direct you to the right resources.
During your free mortgage appointment, which typically lasts between 30 to 60 minutes, you will have the opportunity to consult with one of our experienced mortgage advisors in Mere Green.
During this meeting, your advisor will ask you a series of questions to gain a thorough understanding of your mortgage needs and objectives. They will also need to inquire about your individual and financial circumstances in order to determine the mortgage products that best align with your needs.
Following your consultation, your mortgage advisor in Mere Green will conduct thorough research to identify the most suitable mortgage product for your unique circumstances. Our team specialises in creating tailored solutions to meet your specific requirements.
An agreement in principle (AIP), sometimes known as a decision in principle, is a written statement from a lender confirming their willingness to offer you a mortgage loan based on your financial situation. In order to obtain an AIP, you must provide evidence of your income and affordability for a mortgage in Mere Green.
Obtaining an AIP is a crucial step in the mortgage application process, as it can assist you in making offers on properties and negotiating with sellers. By having an AIP in hand, you may be better positioned to negotiate a favourable price for a property, as it provides assurance to the seller that you have the financial means to secure a mortgage.
As a mortgage broker based in Mere Green, we aim to provide comprehensive support to our customers throughout their entire mortgage journey. Our team of experienced professionals will assist you in selecting the most suitable mortgage product based on your individual financial circumstances.
We also offer guidance in preparing your mortgage application, ensuring a smooth and stress-free process. Ultimately, our goal is to help you achieve your dream of homeownership with expert advice and tailored solutions.
There are several reasons why someone may wish to obtain another mortgage in Mere Green, such as investing in a buy to let property, using the property for a let to buy arrangement, setting up a holiday rental, providing financial assistance to family members, or pursuing other investment opportunities.
To be eligible for another mortgage, most lenders will require a significant deposit and a favourable credit history. Additionally, the borrower must demonstrate the financial capacity to make the monthly mortgage payments. Lenders will typically assess the borrower’s income, employment status, and overall financial situation before granting approval for an additional mortgage.
Read our 82 Reviews
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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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
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm
