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Mortgage Broker in Solihull

& 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 Solihull

& 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 Solihull

Speaking with a mortgage broker in Solihull is now more convenient than ever before. During our time as a mortgage broker in Solihull, we have helped 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.

Whether you are a first time buyer, moving to a new property in Solihull or are looking to remortgage, we understand that sometimes the mortgage process can be daunting, which is why we strive for success and excellence. We have encountered this with many of our customers in the past, so we aim to offer a 5-star service to remove as much stress as possible, helping you overcome any hurdles you may face along the way.

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Your Mortgage Options in Solihull

All of our Customers Receive a Free Mortgage Appointment!

Having access to a broad panel of lenders that offer a wide range of products, as a mortgage broker in Solihull, we prioritise being responsive and ensuring that you are kept up to date throughout the entire process. We’re available 7 days a week, so simply book online or give us a call.

Our commitment to providing a stress-free and straightforward service is our top priority, and we take pride in going above and beyond for each individual who contacts us. Combining our experience and mortgage knowledge, we are sure that we will be able to help you through the mortgage process. As an experienced mortgage broker in Solihull, we deal with all different kinds of mortgage situations. Even if we are faced with a mortgage scenario that we haven’t dealt with before, we aren’t afraid to take it on.

If your personal scenario isn’t listed below, it is still more than likely that we have encountered or helped a customer in the past with a similar situation. So, don’t hesitate to get in touch as we know how hard it can be to continue through your mortgage application when faced with an obscure problem, that’s why we are here to offer a helping hand so we can get over these hurdles together.

Our Reviews

Your Mortgage Options in Solihull

First Time Buyer Mortgages in Solihull

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First time buyer in Solihull, may find the mortgage experience a bit daunting. It’s understandable, taking out a mortgage is one of the biggest financial commitments anyone will make and the entire process can be overwhelming, leaving you unsure where to start. From the first point of contact to handing over the keys, our mortgage advisors in Solihull will keep you up-to-date on the status of your application, and keep all the technical jargon to a minimum.

Our mortgage process begins with a series of questions to assess your financial background. From there, we conduct an affordability assessment to determine which deals are best suited for the circumstances. Your designated mortgage advisor in Solihull will then search through 1000’s mortgage deals to find the one that best suits your situation. Being a fast and friendly mortgage broker in Solihull, within 24 hours of your free appointment, we can also look at obtaining an Agreement in Principle for you. If you have any questions, don’t hesitate to ask.

Moving Home Mortgages in Solihull

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The general consensus around moving home in Solihull is considered one of the most stressful situations you will ever go through. As a mortgage broker in Solihull, our mortgage advisors are will be more than happy to handle the mortgage side of things and make the process easier for you, leaving you to focus on the move itself.

There are a lot of reasons why someone would look to move home with the most popular one being to live in a larger property, because of a change of circumstances. It’s good to check your affordability prior to taking viewing and making offers. We can help you with budgeting so you know what the maximum amount you can borrow for a mortgage is, and how much your repayments will be.

Buy to let Mortgage Solihull

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With years of experience in the mortgage industry, our mortgage broker in Solihull has developed close and long-lasting relationships with many buy to let landlords and helped them secure a buy to let mortgages in Solihull. Whether you’re a first time buyer landlord, or have an existing property portfolio, you will also benefit from our amazing customer service.

We offer a range of buy to let mortgage options, including HMO, holiday Let, let to buy. Our mortgage advisor in Solihull can help with help you explore your Buy to Let options and find the most suitable mortgage for you. The minimum deposit for a buy to let mortgage is usually 25% of the property value. Depending on your situation, this can vary between 20%-40%. One of our mortgage advisors in Solihull will be more than happy to try and answer any questions you have.

Remortgaging in Solihull

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As your mortgage term is coming to its end, it’s time to consider remortgage in Solihull. 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.

This involves switching to another mortgage deal to avoid falling onto your lender’s standard variable rate of interest. Our remortgage advisors in Solihull 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.

Self Employed Mortgages Solihull

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If you are self employed in Solihull, 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 Solihull 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 Solihull

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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 Solihull. Equity release in Solihull is typically taken out either as a home reversion plan or more commonly, as a lifetime mortgage in Solihull.

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 Solihull.

Mortgages for over 50s and especially equity release in Solihull, tends to be a very specialist area and it is key that you get in touch with a qualified and professional mortgage broker in Solihull, 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 Solihull.

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

Book your free mortgage appointment today has never been easier with our online process. You can choose a preferred date and time, and we will connect you with an expert mortgage advisor in Solihull. During your appointment, your advisors will ask a series of questions to understand your situation and what you are looking to achieve.

Free Mortgage Apppointment

Step 2

During your appointment, your mortgage advisor in Solihull will provide you with an Agreement in Principle (AIP), Using this information, they will search for a suitable mortgage product that meets your needs and provide you with open and honest mortgage advice in Solihull. We specialise in all different areas, so matching a mortgage deal to your circumstances shouldn’t be a problem.

Finding a Suitable Product

Step 3

Going forward with your application, we will search 1000s of deals through our huge panel of lenders. If you go directly to a lender, you will only have access to their independent deals. If you choose the broker route, you will also benefit from our amazing customer service.

Submit Your Application

Step 4

Finally, we will submit your mortgage application to the lender and work with them to get it approved. We will keep you informed throughout the process and answer any questions you may have.

Reasons to Choose us

Free Appointment in Oldbury

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We specialise in all different areas, so matching a mortgage deal to your circumstances shouldn’t be a problem. So, don’t hesitate to get in touch as we know how hard it can be to continue through your mortgage application when faced with an obscure problem, that’s why we are here to offer a helping hand so we can get over these hurdles together.

Search 1000s of products

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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

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As a long-standing and reputable mortgage broker in Birmingham and surrounding areas, such as Solihull, we truly do value customer service. It is the heart and soul of our business. Our amazing service is shown in our customer reviews.

Every one of our friendly mortgage advisors will provide expert mortgage advice in Solihull and are here to support you through your whole mortgage journey. We always aim to be responsive, caring, open and honest with you during every step of your mortgage application

7 Days a Week

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We highly recommend that you take advantage of the free mortgage appointment we offer to all customers who contact us. We can’t wait to hear from you and provide you with expert mortgage advice in Birmingham and surrounding areas, on your way to achieving all of your mortgage goals.

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Solihull

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

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If you are looking to put down a deposit for a mortgage in Solihull, most lenders will require you to put down a minimum deposit of 5% based on the property value.

Depending on your credit score, you may be asked to provide a larger deposit of 10% to 15% of the property price. This may be due to mortgage lenders looking at your credit history, as they need to ensure that they are lending to a reliable borrower.

Typically, missed payments or unsecured debts are considered potential red flags for mortgage lenders.

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

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If you have bad credit, you still may be able to get a mortgage in Solihull. There are a number of lenders out there that specialise in these sorts of situations and offer products for buyers with bad credit.

If you have bad credit in Solihull and want a mortgage, you should know that you may be required to put down a larger deposit. Typically, lenders will ask for 10%-15%. If you need mortgage advice in Solihull and help on how to improve your credit score, our mortgage advisors in Solihull would be more than happy to point you in the right direction and give you some tips on where to start.

How does the free mortgage appointment in Solihull work?

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During your free mortgage appointment, you’ll have the opportunity to discuss your mortgage options with a mortgage advisor in Solihull for approximately 30-60 minutes.

Your mortgage advisor in Solihull will ask questions to better understand your mortgage situation and what you hope to accomplish. They will also gather your personal and financial background to determine the mortgage products that may be available to you.

After your appointment, your mortgage advisor in Solihull will conduct research to find a suitable mortgage product that fits your unique circumstances.

When should I get an Agreement in Principle in Solihull?

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An agreement in principle (AIP) is a document issued by a lender that confirms that they’re willing to lend to you. This is provided that you supply the necessary documentation to verify your income and affordability for a mortgage in Solihull.

Having an AIP is a crucial step in the mortgage process. It can be used to make an offer on a property and may assist in negotiating prices with the seller. In a scenario where two potential buyers are interested in a property, and one has an AIP while the other does not, the seller will usually select the buyer with an AIP, as they have already been pre-approved, making the process quicker.

AIPs are valid for 30-90 days and can be renewed easily once they expire. To obtain an AIP, you can speak with one of our mortgage advisors in Solihull. We are usually able to arrange one within 24 hours of you getting in touch.

Why use a mortgage broker in Solihull like us?

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As your mortgage broker in Solihull, our job is to guide you through the entire mortgage process, from start to finish. We will assist you in finding the most appropriate mortgage product that fits your financial and personal circumstances, help you complete your mortgage application, alleviate all the stress from the process, and most importantly, help you acquire the keys to your dream home.

Our team of experts have many years of experience in assisting various types of buyers. We specialise in a wide range of areas, including buy to let and self employed mortgages in Solihull, equity release, insurance and specialist scenarios.

Getting mortgage advice in Solihull is now easier than ever, as you can book your free mortgage appointment or schedule a callback with one of our mortgage advisors in Solihull online.

Can I get a second mortgage in Solihull?

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As a mortgage broker in Solihull, we have helped many applicants in securing a second or even multiple mortgages. There are many reasons why someone may want more than one mortgage, such as buy to let, let to buy, holiday let, and more.

It is important to know that obtaining another mortgage typically requires a substantial deposit, a good credit score, and the ability to cover another set of monthly repayments. If you’re taking out a let to buy or buy to let mortgage in Solihull, having a tenant will cover these costs.

Before applying for another mortgage, we’d recommend speaking with a mortgage advisor in Solihull to assess your eligibility. Our experienced team has been working in the mortgage industry for more than 20 years and would be more than happy to offer a helping hand.

We Search 1000s of Mortgages in Solihull

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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