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Mortgage Broker in Redditch

& 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 Redditch

& 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 Redditch

During our time as a mortgage broker in Redditch, we have provided many homeowners and home buyers achieve their mortgage goals, with thanks to our dedicated team of mortgage advisors who provided them with the right mortgage product, saving them both time and money.

We have been providing customers with expert mortgage advice in Redditch for over 20 years now and have encountered a wide range of mortgage situations, but with the right advice and support, you’ll have a much less stressful mortgage process than you otherwise could have faced.

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Your Mortgage Options in Redditch

All of our Customers Receive a Free Mortgage Appointment!

We understand that the mortgage process can be a daunting experience, especially if you are a first time buyer in Redditch taking on the home buying journey for the very first time.

That’s why our team aims to reduce as much stress as possible, providing you with expert mortgage advice in Redditch, we’ll do everything we can to help you get one step closer to achieving your mortgage goals.

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Your Mortgage Options in Redditch

First Time Buyer Mortgages in Redditch

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First time buyer in Redditch taking out a mortgage is one of, if not the largest financial commitment you will ever make, which when you realise this, can make the process a little daunting.

Being a open and honest mortgage advisors in Redditch, it is our job to ensure you are provided with expert mortgage advice in Redditch throughout the entire mortgage journey, this allows us to make sure you take the necessary steps, to be on your way to becoming a first time homeowner in Redditch.

As a dedicated mortgage broker in Redditch, we will be able to give you the maximum amount you can borrow and what your monthly repayments will be, which will provide you with a much clearer picture and answer some of your mortgage questions and concerns.

During your free mortgage appointment, the next step is to look at getting an agreement in principle. This may also be known as a decision in principle, DIP, or AIP.

Armed with an agreement in will show the seller of the property that you are looking to buy, that you are in fact in a very good position to move forward if they are happy to accept your offer.

As a mortgage broker in Redditch, we are typically able to get this turned around within 24 hours after your free initial mortgage appointment.

Moving Home Mortgages in Redditch

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Those who are in the process of moving home in Redditch will be a more familiar with the process, but managing the simultaneous buying and selling of properties can be challenging.

As an open and honest mortgage broker in Redditch, we know that the home moving process can prove to be a little stressful. Trying to find a buyer and arranging everything else on your new home purchase. The last thing you want is to be dealing with the stress of a mortgage as well.

That is where a mortgage broker in Redditch can help. We work hard to take the weight off your shoulders and help you get through the mortgage process stress-free, whilst you work on the home move.

Buy to let Mortgage Redditch

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whether you’re a new or existing landlord, we may be able to assist you to secure a buy to let mortgages in Redditch. Our mortgage team provides professional advice for buy to let mortgages in Redditch, regardless of your experience level or portfolio size.

As a open and honest mortgage broker in Redditch, we have worked with many landlords to acquire buy to let mortgages, build relationships, and help them expand their portfolios. We can also help with more specialised options such as HMOs and holiday lets.

HMO mortgages are generally taken out for properties with five or more occupants, commonly used for student accommodation. These types of mortgages may not be available from all lenders, but we work with several who are willing to lend for a HMO mortgage in Redditch.

For existing landlords seeking to grow their property, we may be able to assist with a remortgage in Redditch. This could potentially free up equity in your current property, allowing you to use it as a deposit on a new purchase.

Please note that the Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

Remortgaging in Redditch

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As homeowners approach the end of their mortgage deal, they may wonder what their options are. To avoid potential increases in mortgage payments due to lapsing on to the lender’s standard variable rate of interest, it may be worth considering a remortgage in Redditch.

This involves switching from the current mortgage with the current lender to a new mortgage with a new lender. Seeking advice from a mortgage broker in Redditch can help with this process.

Our commitment to transparency means that we may recommend staying with the current lender and opting for a product transfer (a new mortgage deal with the same lender) if it would benefit the customer. We also offer an early reminder, around 6 months before the fixed-period ends, to give ample time for exploring options and making arrangements.

Self Employed Mortgages Redditch

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If you are self employed in Redditch, 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 Redditch 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 Redditch

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If you’re a homeowner over the age of 55 who meets certain criteria, such as property value, you may want to consider exploring your options for equity release in Redditch.

Equity release in Redditch can be obtained through a home reversion plan or more commonly, a lifetime mortgage in Redditch. Additionally, if you’re over 50, there may be other mortgage options available to you as you approach later life, including retirement interest-only (RIO) mortgages, term interest-only (TIO) mortgages, hybrid mortgages, standard mortgages, and remortgages in Redditch.

However, mortgages for individuals over 50, and especially equity release, are highly specialised areas, and it’s crucial to consult a qualified and professional mortgage broker in Redditch to understand your options. We always explore alternative options before considering equity release in Redditch.

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.

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Our Simple 4-Step Process

Book Online

Step 1

Booking a free mortgage appointment has never been easier with our simple online process. You can conveniently choose your preferred date and time, and we’ll connect you with a trusted mortgage advisor in Redditch. During your free consultation, our mortgage advisor will ask a series of question to gain a better understanding of your situation and what you are looking to achieve.

Free Mortgage Apppointment

Step 2

With the information provided, your mortgage advisor will offer an Agreement in Principle (AIP) and find the best route to take that’s most suitable for you. Our team of experts specialises in various mortgage types, making it easier for us to match you with the right mortgage deal.

Finding a Suitable Product

Step 3

Should you decide to proceed with the application process, we’ll search through 1000’s of deals via our extensive panel of lenders. Unlike when you approach a lender directly, choosing a mortgage broker in Redditch gives you access to more independent deals and the benefit of our 5-Star customer service.

Submit Your Application

Step 4

Once we’ve found the ideal mortgage product for you, we’ll submit your application to the lender and work diligently to ensure its approval. Throughout the process, we’ll keep you informed and address any concerns or queries you may have.

Reasons to Choose us

Free Appointment in Redditch

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At Birminghammoneyman, we have a team of mortgage advisors in Redditch who are available 7 days a week, with appointments that can be scheduled according to your availability. We understand that everyone has a different lifestyle, so we offer flexible hours beyond the regular 9-5. We prioritize your safety and comfort, and our mortgage advisors in Redditch will guide you throughout the entire mortgage process.

Search 1000s of products

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As an experienced mortgage broker in Birmingham, we work with a wide range of mortgage situations. Even if we encounter a new scenario, we utilise our knowledge from past instances to provide you with the best possible solutions. Our team loves a challenge and is always ready to help.

Our Service

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We provide high-quality customer service and our excellent customer reviews are a testament to this. Our friendly mortgage advisos in Birmingham offer complete support throughout your mortgage journey, and we strive to be responsive, caring, open, and honest with you during every step of the mortgage application process.

7 Days a Week

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We encourage you to take advantage of our free mortgage appointment and get expert mortgage advice in Birmingham and surrounding areas. Contact us today to achieve all of your mortgage goals.

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Redditch

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

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As an experienced mortgage broker in Redditch, you usually need to come up with a 5% deposit to get a mortgage, and most High Street Lenders ask for this amount from people with a decent credit history. But if you’ve had some credit issues before, you might have to save up 10-15% deposit.

How long does an agreement in principle last in Redditch?

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Your Agreement in Principle (AIP) will last around 30-90 days. If your Agreement in Principle (AIP) lapses before you have an opportunity to make an offer on a property, you can request for its renewal, and our mortgage broker team in Redditch can assist you with this process.

How does the free mortgage appointment in Redditch work?

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Your free mortgage appointment will last 30 minutes to 1 hour. This is an opportunity for you to converse with a mortgage advisor in Redditch and discuss your mortgage requirements as well as your personal and financial circumstances. After gathering the necessary information, your mortgage advisor will start searching for a suitable mortgage deal that is both competitive and meets your specific needs.

When should I get an Agreement in Principle in Redditch?

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We advise you to obtain an Agreement in Principle (AIP) prior to viewing properties since it demonstrates that you have the financial funds to pay for the mortgage, provided that you can provide evidence to substantiate your income, credit history, and other relevant factors.

Why use a mortgage broker in Redditch like us?

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As a Mortgage Broker in Redditch, are committed to offering comprehensive assistance and guidance throughout the entire mortgage process. Our objective is not only to search the market to find you the most suitable mortgage deal but also to locate a product that is customised to suit your unique personal and financial situation.

Can I get a second mortgage in Redditch?

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There are various reasons for taking out a second mortgage, including consolidating debts, funding home improvements, or expanding a buy to let portfolio.

Having multiple mortgages can be complicated, therefore, seeking the guidance of a qualified mortgage advisor in Redditch is recommended to ensure appropriate financing decisions. If you require specialist mortgage advice in Redditch, please do not hesitate to contact us for personalised assistance.

We Search 1000s of Mortgages in Redditch

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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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