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Mortgage Broker in Sutton Coldfield

& 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 Sutton Coldfield

& 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 Sutton Coldfield

Welcome to Birminghammoneyman, your online hub for trusted mortgage advice in Sutton Coldfield from an open & honest mortgage broker in Sutton Coldfield!

We have been providing all of our customers with professional mortgage advice in Sutton Coldfield for over 20 years now, having come across almost all mortgage situations!

Utilising the help and support of our mortgage advisors in Sutton Coldfield, along with our extensive experience & knowledge of the industry, we’ll look to make your process as stress-free as possible.

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Your Mortgage Options in Sutton Coldfield

All of our Customers Receive a Free Mortgage Appointment!

We understand that it can be quite a challenge to go through the mortgage process, especially if you are taking it on as a first time buyer in Sutton Coldfield, looking to buy your very first home.

Our goal is to reduce your stress levels as much as we can, providing you with a mortgage process that is worry free and as complication free as it can be, hopefully resulting in mortgage success.

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Your Mortgage Options in Sutton Coldfield

First Time Buyer Mortgages in Sutton Coldfield

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If you are a first time buyer in Sutton Coldfield, you may feel overwhelmed by the mortgage process and unsure of what steps to take.

Some of the biggest concerns for many of our customers is how much they can borrow and what their monthly mortgage payments will be.

As an experienced mortgage broker in Sutton Coldfield, we can provide you with a general estimate of these figures, helping you gain a clearer picture and understand what could happen next.

Once you have found a property you want to purchase, the next step is typically to obtain an agreement in principle.

This will show that you have passed the initial credit checks conducted by the mortgage lender and that they are willing to lend you the funds for a mortgage.

Having this agreement in principle will show the property seller that you are ready to proceed, which may help your offer be accepted.

As a mortgage broker in Sutton Coldfield, we can usually obtain this agreement within 24 hours of your initial mortgage appointment.

Moving Home Mortgages in Sutton Coldfield

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If you are in the market for speaking with a mortgage broker in Sutton Coldfield and already live in or near the area as your initial mortgage deal comes to its end, you may be someone who is looking at moving home in Sutton Coldfield.

As a dedicated and well-respected mortgage broker in Sutton Coldfield, we know that moving home can prove to be quite a bit stressful.

You will have the stress of finding someone to buy your home, moving your current belongings and arranging the rest of your home purchase.

Mortgage stress only adds to this! Luckily, we can do the work for you here; One of the many benefits of using a mortgage broker in Sutton Coldfield!

Buy to let Mortgage Sutton Coldfield

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If you’re considering buying a property for the purpose of renting it out, whether you’re a new landlord or an established one, we may be able to help you obtaining a buy to let mortgages in Sutton Coldfield.

As an experienced and trusted mortgage broker in Sutton Coldfield, we have extensive experience in working on buy to let mortgages in Sutton Coldfield, building strong relationships with landlords and helping them as they look to expand their portfolios.

For landlords who already have properties and are looking to expand, there may be an option to remortgage one of your existing properties in Sutton Coldfield.

This could potentially release equity from your property, providing you with a means of putting down a deposit on a new purchase.

The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

Remortgaging in Sutton Coldfield

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If you are a current homeowner, you may soon approach the end of your mortgage deal and consider a remortgage in Birmingham.

This will involve switching from your current mortgage deal with your current mortgage lender, to a new one.

At Birminghammoneyman, we prioritise our existing customers by getting back in touch with them 6 months before their current deal is about to end, to provide them with guidance and support, on their way to making an informed decisions about their mortgage.

This is also to make sure that they have enough time to review their remortgage options and make necessary arrangements.

Self Employed Mortgages Sutton Coldfield

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As a mortgage applicant who is self employed in Sutton Coldfield, you may find that the part of your mortgage process that you find the most challenging (more so than is would be for a regular employed applicant) is the part where you have to provide evidence of your income to the mortgage lender.

The reason for this, is because a mortgage lender will need to be absolutely sure that your income is both sufficient and consistent enough, before you will be considered as someone they are willing to lend such a large amount of money to.

Whilst doing this can be a little difficult, depending on your situation, it is far from impossible for customers to obtain a self employed mortgage in Sutton Coldfield!

Your dedicated mortgage broker in Sutton Coldfield will advise you as best as they can, by your side, so that you can take on the mortgage process with confidence and with a higher chance of being successful.

Mortgage Options for Over 50s in Sutton Coldfield

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Equity release in Sutton Coldfield will most likely be taken out as a home reversion plan or more commonly, you’ll see it in the form of a lifetime mortgage in Sutton Coldfield.

More than just this, for customers over the age of 50, you may also find that there are lots of other options for you over the age of 50.

You could have the option of a retirement interest only (rio) mortgages, term interest only (tio) mortgages, hybrid mortgage, as well as your conventional mortgage types and remortgages in Sutton Coldfield.

We will always have a look to make sure that there isn’t an alternative more suitable for you first, before equity release in Sutton Coldfield will be an option.

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

Using both our extensive experience and rich knowledge of the mortgage industry, our team can help you get the mortgage advice in Sutton Coldfield you need. We offer all our customers a free mortgage appointment which they can book either by calling our team or through our modern book online system on the website.

Free Mortgage Apppointment

Step 2

As well as this, we provide free financial education through our mortgage guides on the website and our MoneymanTV YouTube channel. Within your mortgage appointment, you can discuss your goals and options with a dedicated mortgage advisor.

Finding a Suitable Product

Step 3

You will also be asked a series of questions so you advisor can have an idea of your financial situation and find the most appropriate option for you and find you the most suitable mortgage product.

Submit Your Application

Step 4

After you attend your mortgage appointment, our team will sort you out with an Agreement in Principle which usually takes around 24 hour. Having this document with you can be a beneficial tool when making offer on properties.

Reasons to Choose us

Free Appointment in Sutton Coldfield

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At Birminghammoneyman, our mortgage advisors in Sutton Coldfield are always ready to help you out, seven days a week, with flexible appointment times that fit your busy schedule (subject to availability).

You can schedule appointments outside of the typical 9-5 timeframe, allowing you to choose a time that works best for you. There’s no need to worry, we’re always available to answer your calls!

We understand the importance of making our customers feel secure and at ease throughout the mortgage process.

It’s for this reason why our mortgage advisors in Sutton Coldfield are committed to giving you a stress free service, staying professional at all times.

Search 1000s of products

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We understand that the mortgage journey can come with its challenges and hurdles which is why we are here to provide a helping hand to all our customers. Utilising a combination of both our knowledge and experience we can help you find a mortgage product that is appropriate for your circumstances. We are always transparent with our customers meaning if we feel you are already on the best deal, we will tell you this.

Our Service

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At Birminghammoneyman, we’re an experienced and dedicated mortgage broker in Sutton Coldfield, with a great deal of experience in handling various mortgage situations.

Even if we encounter a mortgage challenge that’s new to us, we’ll use similar cases we’ve tackled before to help you in overcoming any hurdles.

We’re always up for a good challenge! If you’re feeling uncertain about the mortgage world or are facing obstacles, we’ve got you covered!

Give us a call and book an appointment with our mortgage advisor in Sutton Coldfield today.

We’re here to provide you with both help and support, working together to help you achieve mortgage success!

7 Days a Week

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It’s never been easier to speak to a open and honest mortgage broker in Birmingham! Our team are available 7 days a week from early in the morning until late at night so whatever your day to day life looks like, you can book a free mortgage appointment at a time that suits you. We look forward to speaking with you!

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Sutton Coldfield

Can I get a second mortgage in Sutton Coldfield?

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As a mortgage broker in Birmingham, we have supported numerous applicants in taking out a second mortgage, and in some cases, more than two!

There are various reasons why one may wish to take out additional mortgages, such as for buy to let in Sutton Coldfield, let to buy, holiday let, for family members, and many other purposes.

It’s important to note that most mortgage lenders require a substantial deposit and a good credit score to be eligible for another mortgage. Additionally, the borrower must be able to afford the monthly mortgage payments.

If you are applying for a let to buy or buy to let mortgage in Sutton Coldfield, the tenant’s monthly rental fee should be able to cover the costs of the mortgage payments.

If you’re considering taking out another mortgage in Sutton Coldfield, we highly recommend consulting with an expert to determine your eligibility.

Our team has extensive experience in the mortgage industry, spanning over 20 years, and we would be delighted to help you!

Why use a mortgage broker in Sutton Coldfield like us?

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As a mortgage broker in Sutton Coldfield, our job is to support you throughout your entire mortgage journey.

Our team of experts will work with you to identify the most appropriate mortgage product based on your personal and financial situation. We will also help you prepare your mortgage application and remove any stress from the process, working to help you achieve your dream of owning a home.

With experience helping various types of buyers, we specialise in areas such as buy to let, self employed mortgages in Sutton Coldfield and mortgages for over 50s, as well as mortgage insurance and protection.

Booking a free mortgage appointment or arranging a callback with one of our mortgage advisors in Birmingham, to get the mortgage advice in Sutton Coldfield you need, has never been easier.

When should I obtain an agreement in principle in Sutton Coldfield?

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An agreement in principle (AIP), also referred to as a decision in principle, is a document provided by a lender indicating their willingness to offer you a mortgage loan. This requires you to provide proof of your income and affordability for a mortgage in Sutton Coldfield.

Having an AIP is a critical step in the mortgage process. AIPs are used to make offers on properties and can help you in negotiating with sellers and negotiating for prices.

For instance, if two buyers approach a seller and one has an AIP while the other does not, the seller will almost always choose the buyer with the AIP, as they have already been approved in principle and can progress faster through the mortgage application process.

AIPs are typically valid for 30-90 days and can be renewed upon expiration. To obtain an agreement in principle, you may speak with a mortgage advisor in Sutton Coldfield.

How does my free mortgage appointment in Sutton Coldfield work?

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Your free mortgage appointment will last approximately 30-60 minutes. During this time, you will have the opportunity to speak with one of our mortgage advisors in Sutton Coldfield.

Your mortgage advisor will ask you a few questions to gain a better understanding of your mortgage needs and goals. They will also need to ask about your personal and financial circumstances to determine the types of mortgage products you may qualify for.

After your free mortgage appointment, your mortgage advisor in Sutton Coldfield will research and identify the best mortgage product to suit your unique needs. Tailoring a deal to match your requirements is our speciality!

I have bad credit, can I get a mortgage in Sutton Coldfield?

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It is possible to obtain a mortgage in Sutton Coldfield even if you have bad credit. There are mortgage lenders that specialise in such circumstances and offer products designed for buyers with poor credit.

If you have bad credit and are looking for a mortgage in Sutton Coldfield, be prepared to provide a larger deposit, typically around 10 to 15% of the property’s value.

If you need mortgage advice in Sutton Coldfield and want to learn ways to improve your credit score, our mortgage advisors in Sutton Coldfield will be happy to help you and point you in the right direction.

How much can you borrow for a mortgage in Sutton Coldfield?

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To purchase a property in Sutton Coldfield with a mortgage, a minimum deposit of 5% is typically required by most lenders. The deposit amount is calculated based on the property’s value.

That being said, in some cases, a higher deposit may be necessary, such as 10-15% of the property’s cost, especially if you have a lower credit score.

Poor credit history, missed payments, or outstanding unsecured debt can make mortgage lenders hesitant to approve you for a mortgage in Sutton Coldfield.

Therefore, a higher deposit may be requested to demonstrate your financial stability and ability to repay the loan. Remember, a mortgage is a significant loan, and mortgage lenders want to ensure that their applicants can meet their repayment obligations.

Need any first time buyer mortgage advice in Sutton Coldfield?

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We love helping first time buyers in Sutton Coldfield who are eager to find their dream home.

Our team takes great joy in helping customers achieve their goals and find a place they can call their own.

Our mortgage advisors in Sutton Coldfield have access to thousands of specialist mortgage deals from a wide range of mortgage lenders, providing more options than going directly to your bank.

By comparing various mortgage deals against each other, we can identify the best and most appropriate option for your unique situation, whether you’re a first time buyer in Sutton Coldfield or looking to move home in Sutton Coldfield.

As your mortgage broker in Sutton Coldfield, we aim to secure a competitive deal that will benefit both you financially and in your lifestyle.

You’ll receive a high standard of customer service from the moment you get in touch with us, until you get the keys to your new home and beyond.

We understand that the mortgage process can be intimidating for first time buyers in Sutton Coldfield, but with the help of an expert mortgage broker like us, it doesn’t have to be stressful.

Let us guide you through the process and help you find the perfect home.

Are you looking to remortgage in Sutton Coldfield?

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If you’re an existing homeowner approaching the end of your initial mortgage deal or have a buy to let mortgage in Sutton Coldfield, it may be time to start exploring your options for a remortgage in Sutton Coldfield.

Our dedicated remortgage advisors in Sutton Coldfield have access to thousands of competitive remortgage deals and will work to secure the best possible mortgage deal for you.

As a mortgage broker in Sutton Coldfield, we specialise in a variety of remortgage options, including those for home improvements, capital raising (releasing equity), and mortgages for those who are over 55.

Get in touch with us today to speak with a trusted mortgage broker in Sutton Coldfield who can take a look at your situation and help you through the next steps of your mortgage journey.

Looking to talk to a mortgage advisor in Sutton Coldfield?

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As a trusted and experienced mortgage broker in Birmingham and surrounding areas, such as Sutton Coldfield, high levels of customer service is at the heart of what we do, we pride ourselves on it.

Our top levels of customer service are demonstrated when you see our brilliant customer reviews, from happy homeowners and home buyers who trusted a mortgage broker in Sutton Coldfield to help them, which they delivered on.

All of our affable and personable mortgage advisors in Sutton Coldfield are here to offer you a full and complete help and support system, across every step of your mortgage journey.

It’s our goal as a company to be responsive, caring, open and honest with you throughout each aspect of your mortgage application process.

We would absolutely recommend that you take advantage of the free mortgage appointment that is on offer to all of our customers.

We can’t wait for you to get in touch and benefit from expert and surrounding areas!

We Search 1000s of Mortgages in Sutton Coldfield

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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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