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Mortgage Broker in Stafford

& 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 Stafford

& 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 Stafford

If you are looking at starting your mortgage journey, you may benefit from getting in touch with an expert mortgage broker in Stafford. Through our experience providing mortgage advice in Stafford, we have been able to help many homeowners and homebuyers obtain a mortgage in Stafford. We have a fantastic team of mortgage advisors in Stafford who strive in helping you save both time and money.

You may be looking at taking that first step on the property ladder, finding a new property in Stafford, or looking to remortgage, our team understand the ups and downs that can come with the mortgage process. Here at Birminghammoneyman, we always strive in providing and elite service to every customer and work hard in taking as much stress off the experience. Obstacles can pop up in the mortgage journey which is why we are here to help overcome these towards getting you to mortgage success.

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Your Mortgage Options in Stafford

All of our Customers Receive a Free Mortgage Appointment!

A factor that differentiates us from the banks is that, as a mortgage broker in Stafford, we have access to a large panel of lenders and products. We pride ourselves in giving a flexible service that keep you updated throughout. This is why we are available to take your call and help you achieve your mortgage goals 7 days a week. As well as this, we offer every customer a free mortgage appointment which they can book through our online system or by calling our team.

Providing a simple and straightforward service is at the top of our list here at Birminghammoneyman. We treat each customer with the tailored service they deserve utilising both our experience and mortgage knowledge whatever your circumstances may be. Our team have encountered a variety of mortgage situations meaning it’s very likely we have come across your situation before.

With this in mind, please don’t hesitate to get in touch. We have come across plenty of complicated cases and have many specialist mortgage products on panel. As mentioned, obstacles can arise in the mortgage process which is why our dedicated team will work hard in finding a solution to these. Reaching mortgage success is something we want for all our customers!

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Your Mortgage Options in Stafford

First Time Buyer Mortgages in Stafford

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As a first time buyer in Stafford, you may be feeling intimidated in taking that first step on the property which is understandable when you are taking on one of the biggest financial commitments. The good news is that seeking trusted mortgage advice in Stafford can help with this! Our free mortgage appointment can help in kickstarting your mortgage journey by speaking to one of our excellent advisors. Book yourself in for an appointment at a time that suits you by contacting our team or through our book online system. Your dedicated advisor will be with you throughout the process to answer any of your questions and provide you with regular updates regarding your application.

Within your mortgage appointment, one of our mortgage advisors in Stafford will ask you a number of questions to build up an idea of your financial background which they will utilise when they are completing an affordability assessment on you. From this, they can see what deals you may be able to access and find the one that is fitting for your situation. Along with this, our team will arrange an Agreement in Principle for you usually 24 hours after your appointment. We do encourage you to ask as many questions as you want so you, as a first time buyer, can understand more about the process and what it entails.

Moving Home Mortgages in Stafford

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If you are looking at moving home in Stafford, it’s likely that you will have a lot more of an idea of what the mortgage process involves. Regardless of this, we do still recommend that you look at getting mortgage advice in Stafford as this type of process involves additional aspects that differ from the first time around.

The general impression surrounding moving home is that it can be a difficult process that can be stressful, however, it doesn’t have to be! Your priority is to make sure that both the buying process and the selling process ends at the same time. Along with this, you will need to organise your mortgage, which is where our team come in. Having a mortgage broker in Stafford by your side can be beneficial as they can help you with the mortgage aspect of the process by finding the most suitable deal for your situation. This means you can get on with packing up your belongings and selling your current property.

Buy to let Mortgage Stafford

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Having over 20 years of mortgage experience under our belts, as a reputable mortgage broker in Stafford we have built a loyal base of budding & existing buy to let landlords who have approached us for buy to let mortgage in Stafford.

We have a variety of buy to let mortgage options such as HMO, Holiday Let and Let to Buy. With a dedicated mortgage advisor in Stafford by your side, they can help you look through our buy to let options in order to find the one that is best for your situation. If you have any questions regarding the process, don’t hesitate to ask!

Remortgaging in Stafford

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If you are reaching the end of your mortgage term, it’s time for you to look into remortgage in Stafford. It can be common for those in this situation to forget to look into their options for remortgaging which can result them in being on the lender’s standard variable of rate. Landing on this rate could mean your monthly mortgage payments may increase which is why people look for a different option.

For those who approached us as your mortgage broker in Stafford to get your initial mortgage, our team will email you a reminder 6 months prior to your fixed term ending. By doing this, you will have enough to explore your options and avoid you being placed onto the lender’s standard variable rate. We have a team of remortgage advisors in Stafford who can search through 1000’s of remortgage deals to find the one perfect for you.

Self Employed Mortgages Stafford

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As a self employed in Stafford, the process will be slightly different to a regular mortgage of an employed applicant. You will be required to provide sufficient evidence of your income to the lender which can be the tricky part but is something you can do. We have helped many customers who are self-employed achieve their homeowning goals. Same as the process with a regular mortgage, your dedicated mortgage advisor in Stafford will look into your case in detail to find the most suitable mortgage for you as well as help point you in the right direction on your mortgage journey.

Mortgage Options for Over 50s in Stafford

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

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 Stafford.

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

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 your free mortgage appointment has never been easier with our online process. You can choose a date and time that suits you and we will connect you with an open and honest mortgage advisor in Stafford. Within your appointment, our mortgage advisor in Stafford will discuss with you your situation and your mortgage goals.

Free Mortgage Apppointment

Step 2

Around 24 hours after attending your free mortgage appointment, your mortgage advisor will sort you out with an Agreement in Principle (AIP) which is a brilliant tool when it comes to making an offer on any properties you are interested in.

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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If you are interested in booking yourself in for a free mortgage appointment, you can do this by giving our team a call or booking online. We are proud to provide a trusted service to our customers and for them to progress through the mortgage journey. Our customers are the heart of what we do and we would love to help you on your way to mortgage success. Make sure you check our genuine customer reviews to see how we have helped many on their journey to homeownership.

Search 1000s of products

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Unlike a bank or building society, we have access to a large panel of lenders offering a range of mortgage products meaning we can search through 1000s of both high street and specialist deals. As a mortgage broker in Birmingham, we understand all our customers’ day to day lives run differently which is why we are available 7 days a week from early until late.

Our Service

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As a reputable mortgage broker in Birmingham and surrounding areas, we pride ourselves on providing high-level customer service. Our expert mortgage advisors in Stafford will provide open and honest mortgage advice in Stafford and provide a helping hand throughout your mortgage journey. Our aim is to support customers in achieving their mortgage goals. Here at Birminghammoneyman, we believe in treating every customer as a unique case, as we understand that each individual has certain mortgage goals and financial backgrounds.

7 Days a Week

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We do strongly advise that you book yourself in for a free mortgage appointment. We look forward to get your started on your mortgage journey and providing you with open and honest mortgage advice in Birmingham to help you achieve your homeowning dreams.

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Stafford

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

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To obtain a mortgage in Stafford, it’s crucial to keep in mind that the majority of lenders will mandate a minimum deposit of 5% of the property’s value. However, depending on your credit score, you may be required to provide a higher deposit of 10% to 15%+ of the property price.

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

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If you have poor credit, you can still obtain a mortgage in Stafford by working with specialized lenders who offer mortgage products tailored to buyers with bad credit. However, you may need to provide a larger deposit, typically between 10%-15% +. Seeking advice from mortgage experts in Stafford can be beneficial, particularly if you are looking to boost your credit score. Our team of mortgage advisors in Stafford can offer valuable guidance and suggest effective strategies to improve your credit score.

How does the free mortgage appointment in Stafford work?

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Our mortgage consultation with you will be scheduled for approximately 30 minutes to an hour. You will have the opportunity to speak with our team of mortgage advisors in Stafford during this time.

During the consultation, our experienced mortgage advisors in Stafford will ask you a series of questions to gain a deeper understanding of your goals. They will also inquire about your personal and financial circumstances to determine the most suitable mortgage products available for you.

After the consultation, our Stafford mortgage advisors will carefully analyse your information and search for the most appropriate mortgage product that matches your unique situation. As a trustworthy and transparent mortgage broker, we pride ourselves on finding personalised mortgage deals tailored to your individual needs.

When should I get an Agreement in Principle in Stafford?

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To obtain a mortgage in Stafford, you may need an agreement in principle (AIP) or decision in principle. This document serves as proof of your income and affordability to the lender.

Obtaining an AIP is a crucial step in the mortgage process. It enables you to make offers on properties and negotiate with sellers. If two buyers approach a seller and one has an AIP while the other does not, the seller is more likely to prefer the buyer with the AIP because they have already been approved in principle and can proceed more quickly through the mortgage application process.

AIPs are typically valid for 30-90 days and can be renewed upon expiry. You can obtain an agreement in principle by consulting with a mortgage advisor in Stafford.

Why use a mortgage broker in Stafford like us?

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As your mortgage broker in Stafford, 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 Stafford, equity release, insurance and specialist scenarios.

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

Can I get a second mortgage in Stafford?

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Our role as a mortgage broker in Stafford has involved assisting numerous applicants in securing second or multiple mortgages, for a range of purposes such as buy to let, let to buy, holiday let, and more.

It is important to bear in mind that obtaining an additional mortgage usually necessitates a substantial down payment, a solid credit score, and the ability to manage extra monthly repayments. For those seeking a let to buy or buy to let mortgage in Stafford, having a tenant may aid in covering these expenses.

Prior to embarking on a new mortgage application, we recommend seeking guidance from a mortgage advisor in Stafford to determine your eligibility. Our company boasts over two decades of experience in the mortgage industry and is always eager to provide assistance.

We Search 1000s of Mortgages in Stafford

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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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