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Mortgage Broker in Stourbridge

& 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 Stourbridge

& 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 Stourbridge

We are a mortgage broker in Stourbridge and our job is to support and guide you through your mortgage process. We have experience and knowledge helping all different kinds of applicants; from first time buyers and landlords to those looking to remortgage, we are here to help!

You can easily book a free mortgage appointment online, schedule a callback or ask a question via our “Get Started” contact form. Mortgage advisors in Stourbridge are available 7 days a week so that you can book an appointment at a date and time that best suits you. Providing a responsive service is what we do best, customer service is at the heart of our company.

We aim to deliver an open and honest mortgage advice service to ensure that you get the most out of your new mortgage. If you cannot access a better mortgage product than the one that you are already on, we will be completely transparent with you and tell you so. The team are always looking for ways to help you save time and money!

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Your Mortgage Options in Stourbridge

All of our Customers Receive a Free Mortgage Appointment!

We have been working in the mortgage industry for over 20 years now, and have come across many different types of mortgage situations. It’s not unusual to encounter complex mortgage situations, sometimes things don’t work out as planned and you may need a specialist mortgage broker in Stourbridge by your side to help you out. We love a good challenge and we will not give up if we are faced with a complicated mortgage situation.

We consider all situations, every customer can benefit from a free mortgage appointment with a mortgage advisor in Stourbridge. On our panel of lenders, we have both high street and specialist lenders available, each with 100s of products that you could access.

Following your mortgage appointment, your mortgage advisors in Stourbridge can search through all of these lenders in order to try and find the perfect product for you! They will carefully look at your personal and financial situation before recommending you a mortgage product.

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Your Mortgage Options in Stourbridge

First Time Buyer Mortgages in Stourbridge

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As a first time buyer in Birmingham, your first mortgage journey can be complicated and it can be confusing where you should start. Our job is to take all of the stress away and arrange the mortgage side of the process for you. We will not only be finding you a mortgage for your new home in Stourbridge, but we will also help you prepare your complete mortgage application.

If you are trying to find out how much you can borrow for a mortgage in Stourbridge, we can also work this out for you. During your free mortgage consultation, your mortgage advisor in Stourbridge will run through this with you and make sure that you are aware of all of the costs that come with a mortgage.

Moving Home Mortgages in Stourbridge

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When you’re moving home in Birmingham, if you’re unable to port your mortgage you will need to take out a new mortgage on your new property. This is where we come in!

Buying and selling a home at the same time can be extremely stressful; you’ll need to sort out the mortgage side of things too. We want to take all of this stress away from you and the process so that moving home in Stourbridge is made simpler and easy-going.

Buy to let Mortgage Stourbridge

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Our service as a mortgage broker in Stourbridge goes beyond traditional mortgages too. We can also assist you with your let to buy and buy to let mortgage in Birmingham.

We have a long history of working with local landlords in and around the Stourbridge and Birmingham area, and you could be next! On panel, we have many mortgage lenders that hold products for buy to let and let to buy applicants. We will be able to search through these mortgage lenders in order to find the most appropriate mortgage product for you!

Remortgaging in Stourbridge

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Getting remortgage in Birmingham has never been easier with our free remortgage review. We can take a look at your current term and what rate you are on, then search the market to try and find you a perfect replacement to switch onto.

Remember that a remortgage is where you take out a new mortgage product to replace your current deal. If you do not switch before your fixed-term ends, you will fall onto your lender’s standard variable rate of interest. It is likely that this interest rate is much higher than your current rate and your monthly mortgage repayments will rocket up. To avoid this, we recommend starting your remortgage process put o 6 months before your fixed-term comes to an end.

Our remortgage advisors in Stourbridge are available to help you find that perfect new remortgage product. We will not only try and find you a competitive product to switch to, but we’ll also make sure that the product matches your personal and financial situation.

Self Employed Mortgages Stourbridge

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As a self employed in Birmingham, 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 Stourbridge 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 Stourbridge

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If you are over the age of 50, you may be able to get a mortgage. There are many different later life mortgage options available and one of them may be perfect for your personal and financial situation.

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

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Our Simple 4-Step Process

Book Online

Step 1

Getting mortgage advice in Stourbridge has never been easier. If you want to speak with one of our mortgage advisors in Stourbridge, then simply ask a question, book an appointment or schedule a callback. Alternatively, we’d recommend taking a look at our mortgage guides and see if they can help you out. We also have a YouTube channel where we post free educational mortgage videos for you to learn and get tips from.

Free Mortgage Apppointment

Step 2

During your free mortgage appointment, you will get the opportunity to ask your mortgage advisor in Stourbridge some questions. Vice versa, they will want to find out more about your mortgage ambitions and what you are looking to achieve. They will also want to learn about your personal and financial situation so that when they start looking for a mortgage product for you, they know where to start.

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

Getting an agreement in principle at the ready is essential too. This is something that we can arrange following your free mortgage appointment. As a responsive mortgage broker in Stourbridge, we can usually arrange an AIP within 24 hours of your appointment. This document will prove extremely useful when making offers on properties.

Reasons to Choose us

Free Appointment in Oldbury

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We work for you and you only. The aim is to find you a mortgage product that not only saves you time, but money as well. Being transparent, open and honest is what makes our service so brilliant. Feel free to see how others have valued our service by reading customers reviews.

Search 1000s of products

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We can search through 1000s of deals via our large panel of high street and specialist lenders. Your mortgage adviser in Birmingham will pick out the perfect product for you. We are experienced and know exactly what we are looking for when searching the market for a new mortgage product. If you are unable to access a better rate than what you are already on, we will be honest with you and tell you so.

Our Service

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We’ve made it very easy to book your free mortgage appointment online. Getting mortgage advice in Birmingham is made easy this way, you can select your own date and time for your callback or appointment. Choose a time that works around you; mortgage advisors in Stourbridge are available early in the morning, during the evening or late at night!

7 Days a Week

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We know the difficulties and hurdles that can come with getting a mortgage, and that’s why we want to support and guide you all the way through the process. If you have been declined by your bank, we still may be able to help! Previously, we have helped applicants that have been declined by their bank then come to us for help. In some cases, we are able to help find a suitable mortgage product for their personal and financial situation. We will always try our best to help you!

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Stourbridge

Why use a mortgage broker in Stourbridge like us?

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As a mortgage broker based in Stourbridge, we are dedicated to providing support and guidance throughout the entire mortgage process. Our goal is not only to search the market for the most appropriate mortgage deal for you but also to find a product that is tailored to fit your specific personal and financial circumstances.

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

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When getting a mortgage in Stourbridge, you will usually need a minimum of a 5% deposit based on the property’s value.

If you have poor credit, you may be asked to provide a more substantial deposit, generally ranging between 10% or more, depending on your situation.

When should I get an Agreement in Principle in Stourbridge?

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It is recommended that you obtain an Agreement in Principle (AIP) before viewing properties as it shows that you have the financial capability to pay for the mortgage, subject to providing evidence to support your income, credit history, and other pertinent factors.

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

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Despite having a poor credit score, in some cases, it can still be possible to get a mortgage in Stourbridge. This may be made possible through specialist mortgage lenders, however, these mortgage lenders often require you to put down a higher deposit, usually ranging from 10%-15%, as a demonstration of your reliability.

If you’re searching for mortgage advice in Stourbridge and need help improving your credit score, please don’t hesitate to contact our team.

Can I get a second mortgage in Stourbridge?

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People take out another mortgage for multiple different reasons, such as consolidating debts, financing home improvements, or expanding a buy to let portfolio.

Working out your eligibility for another mortgage can be difficult as the criteria is so strict. We advise seeking the guidance of a mortgage advisor in Stourbridge to help you make your mortgage decisions.

How does the free mortgage appointment in Stourbridge work?

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During your free mortgage appointment with a mortgage advisor in Stourbridge, you’ll have the opportunity to discuss your mortgage options. You will also be asked about your personal and financial situation.

This will usually last around 30 minutes to an hour. Following your free mortgage appointment, your mortgage advisor in Stourbridge will start searching for a mortgage deal that is not only competitive but also matches your personal or financial situation.

We Search 1000s of Mortgages in Stourbridge

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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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7 Days a Week, 8am – 10pm

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