First Time Buyer Mortgages in Smethwick

First time buyer in Birmingham , it’s very likely that you will have little to no knowledge of the subject of mortgages, however, this is where we can help! Our team are here to not only help you kickstart your mortgage process but to support you all the way to obtaining the keys to your dream home. When you get in touch with our team, you will be offered a free initial mortgage appointment where you will be assigned a mortgage advisor in Smethwick who will be there to provide a helping hand throughout the mortgage process and will answer any questions you may have. To start, your advisor will want to build a picture of your financial situation by asking you some questions. After, they will carry out an affordability assessment to find out which are deals are the best for your case. It’s then time for your mortgage advisor in Smethwick to search through our large panel of lenders who offer a range of deals to pick the one that is the most appropriate for you. We started your process from the get-go by sorting out your agreement in principle usually around 24 hours after your free initial appointment.

Moving Home Mortgages in Smethwick

The general consensus around moving home in Birmingham is it’s one of the most stressful experiences to be in. If you are looking to move home, as a mortgage broker in Smethwick, we have a team of expert advisors who will take the weight off the mortgage aspect of the experience so you can focus on the move itself. There are many reasons why a homeowner why may look to move, however, we find the most common one is that they are looking to live in a larger property due to a change in circumstances. Before you take views any make any offers, it’s best to check your affordability. Our team can help you with budgeting in order to work out the maximum amount you can borrow for a mortgage, and the amount your repayments will be.

Buy to let Mortgage Smethwick

Over the years as a mortgage broker in Smethwick, we have built close and enduring relationships with plenty of buy to let landlords and helped them secure a buy to let mortgages in Birmingham . Our fantastic service has helped budding landlords who have become returning customers as well as existing landlords who are looking to build their portfolios further. Here at Birminghammoneyman, we offer a large variety of buy to let mortgage options such as HMO, Holiday Let, Let to Buy and your dedicated mortgage advisor in Smethwick can help you explore any of these as well as find the most suitable option for you. The minimum deposit for a Buy to Let mortgage is usually 25% of the property value. This can vary between 20%-40%, however, this comes down to your situation. You can simply get in touch with one of our mortgage advisors in Smethwick if you have any questions.

Remortgaging in Smethwick

If your initial mortgage deal is coming to the end of its term, it’s best that you look into remortgage in Birmingham . As well as finding you a better deal, there are lots of reasons why people look to remortgage like home improvements, releasing equity or consolidating debt into their mortgage. The remortgage process involves switching to another mortgage deal to stay clear of falling onto your lender’s standard variable rate of interest. Our remortgaging advisors in Smethwick can help you find you competitive rates and products in the market. In some cases, you may have kept up with your repayments and found that you have competitive rates available to you.

Self Employed Mortgages Smethwick

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 Smethwick 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 Smethwick

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 Smethwick. Equity release in Smethwick is typically taken out either as a home reversion plan or more commonly, as a lifetime mortgage in Smethwick. 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 Smethwick. Mortgages for over 50s and especially equity release in Smethwick, tends to be a very specialist area and it is key that you get in touch with a qualified and professional mortgage broker in Smethwick, 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 Smethwick. 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.

Mortgage Broker in Smethwick | Mortgage Advice in Smethwick

Providing Expert Mortgage Advice in Smethwick

As a mortgage broker in Smethwick, we strive in making the process of getting a mortgage as simple & straightforward as possible. Through our experience providing mortgage advice in Smethwick, we have built a fantastic reputation of helping many customers who are looking to achieve their homeowning/homebuying goals.

Here at Birminghammoneyman, we have an expert team of mortgage advisors who will work hard in finding the most suitable product for your financial & personal situation, aiming to save you both time & money.

Speak to an Advisor

All of our Customers Receive a Free Initial Mortgage Appointment!

You may be stepping into the mortgage world as a first time buyer, looking to move to a new property in Smethwick or remortgage. Either way, we aim to provide a service that will help you towards mortgage success. We understand that the mortgage journey can come to be both exciting & daunting which is why we make sure to remove as much of the stress away and support you if any hurdles occur along the way.

If you feel your situation is too specialist and isn’t listed below, please do still get in touch with our team. Our experience has provided us with the opportunity to deal with a variety of cases through customers approaching us as their dedicated mortgage broker in Smethwick. With this in mind, it’s very likely that we have come across your situation before and will know what the best steps to take are.

Our Reviews

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

Your Mortgage Options in Smethwick

Our Customers Love Us

4.98 Rating92 Reviews

Sara

Very informative and very responsive team

1 month ago

Doreen

I couldn’t have wish for a better experience on my journey to buying my property through Uk Moneyman. Very professional, yet friendly, and easy to deal with. I’d recommend to anyone thinking of buying a property.

3 months ago

Andrew

Matt and Debbie from Birmingham money man have been very helpful so far in the process of buying our first house answering all our questions quickly and with detailed and understandable explanations. they have made the process easier and much less...

4 months ago

Alexander

Professional and provide a great service

4 months ago

Natasha

Absolutely fantastic service - highly recommended

4 months ago

Stephanie

Excellent, communication and supportive staff. They have been Very thorough and informative.

4 months ago

Anonymous

Incredibly helpful and responsive, friendly people and they made a daunting process easy and straightforward, would definitely use them again

7 months ago

Anonymous

Helpful and knowledgeable. Helped me make good decisions and managed to get the best possible deal.

7 months ago

This has been a very challenging process that has taken a number of years to achieve. Birminghammoneyman brokers has been pivotal to me achieving my dream home. They have been patient and consistent in support and guidance. They are very reasonably...

9 months ago

Katia

They were really supportive and faster. I highly recommend their services.

1 year 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...

1 year ago

Mandy

They have been very helpful ,very patient helping sort any hiccups sorted everything in the end

1 year 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

1 year ago

Keith

You have given a very good act of yourself and very recommended by my shelf k gurney

1 year 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...

1 year 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...

1 year ago

Anonymous

Dan was very helpful and knowledgeable and dealt with our mortgage quickly and efficiently.

1 year 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.

1 year 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.

1 year ago

Anonymous

Great brokers, very helpful and efficient.

1 year ago

Our Simple 4-Step Process

Book Online

Booking your free initial mortgage appointment with one of our experts has never been easier with our modern book online system. This allows you to book your appointment at a time that suits you! Within your appointment, your advisors will ask you some questions get an idea of your financial situation and find out what you are looking to achieve.

Free Initial Mortgage Appointment

After you have attended your appointment, your dedicated mortgage advisor in Smethwick will get an Agreement in Principle (AIP) sorted for you usually within 24 hours. With the information they collated in the appointment, they will search through our large panel of lenders to find you the most suitable deal for your situation as well as provide you with expert mortgage advice in Smethwick. We also have access to specialist mortgage products making it versatile for us to find you the most suitable mortgage for your situation.

Finding a Suitable Product

As mentioned, we have access to a large panel of lenders meaning we can search through 1000s of mortgage deals which is something that differentiates us from banks that only offer their own in-house products.

Submit Your Application

Lastly, we will submit your mortgage application to the lender and work with them to get it approved. We will provide a helping hand throughout the process and answer any questions that may pop up along the way.

Reasons to Choose us

Free Initial Appointment in Oldbury

We have extensive experience and rich knowledge in a variety of situations meaning matching a mortgage deal to your circumstance should be easy. If your situation is a little out of the ordinary, don’t hesitate to get in touch! We love a challenge and will be more than happy to guide you through the process as well as work hard in overcoming any mortgage hurdles you may encounter on the way.

Search 1000s of products

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.

Our Service

Providing high-level customer service is at the core of what we do as a mortgage broker in Birminghamand surrounding areas including Smethwick. Our customers are at the heart of the company which is strongly reflected in our customer reviews. our dedicated mortgage advisor will provide a tailored mortgage advice in Smethwick and will be there every step of the way. We pride ourselves in being responsive, caring, open and honest with customer throughout your mortgage application.

7 Days a Week

We strongly recommend that book yourself in for a free initial mortgage appointment that we offer to every customer who gets in touch with us. We look forward to hearing from you and provide you with trusted mortgage advice in Birmingham and surrounding areas, kickstarting you on your mortgage journey.

Malcolm and Amy Davidson - Mortgage Advice in Newcastle

Common Mortgage Questions in Smethwick

We Search 1000s of Mortgages in Smethwick

Birminghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.

UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.

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