Mortgage Broker in Tamworth | Mortgage Advice Tamworth

Mortgage Broker in Tamworth

Free Mortgage Appointments, 7 Days a Week

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Speak to a Mortgage Advisor in Tamworth with over 20+ of experience. It's not just about the mortgage, it's also about the journey.

For your FREE mortgage consultation in Tamworth call 0121 595 0187

Enquire Online

For your FREE mortgage consultation in Tamworth call 0121 595 0187

Malcoms Image

Speak to a Mortgage Advisor in Tamworth with over 20+ of experience. It's not just about the mortgage, it's also about the journey.

Enquire Online

Mortgage advice
your way

First Time Buyer

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars4.98 Rating63 Reviews

Open & Honest Mortgage Advice in Tamworth

Welcome! We are a Mortgage Broker in Tamworth, and we are here to help you through your mortgage process. This does not just involve finding you a mortgage deal, we will also help you prepare your mortgage application and make sure that you look the best that you can.

 

We have been helping customers in Tamworth with this for over 20 years now and have come across almost every single mortgage situation possible. Whether your circumstances are complicated or straightforward, we will do our best to help you through your mortgage journey. Our team are experienced and has already likely come across a situation like yours before.

 

Getting a mortgage and moving home can be an extremely stressful process, and that’s why using a Mortgage Broker in Tamworth could really help. Our job is to make everything easier so that you can enjoy the process of moving home and not stress!

 

Discuss your Mortgage Options in Tamworth

Working in the mortgage industry for over 20 years has allowed us to come across all different types of mortgage scenarios. Most commonly, we deal with customers looking to purchase their first home, second home or a buy to let and those wanting to remortgage. If your situation is slightly more complex and needs specialist help, we may also be able to help! We have dealt with many specialist cases before and it’s more than likely that we have comes across your situation in the past.

First Time Buyer Mortgage Advice in Tamworth

We know that the idea of buying your first home can be very daunting, and that’s why we are here to help!

 

From calculating your mortgage affordability to helping you prepare your mortgage application, our team in Tamworth will guide you through the whole process. Remember that it is not just about the mortgage, it’s also about the journey.

Remortgage Advice in Tamworth

When you are coming towards the end of your mortgage deal, you should consider remortgaging to avoid falling onto your lender’s standard variable rate of interest (SVR). This interest rate will likely be much higher than the current rate that you are on, therefore, you will find yourself paying more for your payments per month.

 

Our aim is to try and find you the perfect remortgage deal for you to switch onto. This will help you avoid your lender’s SVR and hopefully find a competitive replacement. We do all of the shopping around to try and find the best deals, whilst you can sit back and enjoy the process, stress-free!

Buy to Let Mortgages in Tamworth

If you are a local landlord looking for help with your buy to let mortgage application, we are here to offer a helping hand!

 

On our panel of lenders, we have 1000s of buy to let products for you to access. These deals are both high street and specialist products. Your buy to let Mortgage Advisor in Tamworth will look at what you are trying to achieve and search for a suitable deal based on your personal and financial situation. If you are a first time buyer, first time landlord, we would strongly recommend seeking advice prior to starting your application. This way, you are aware of all of the requirements and costs involved with the buy to let process in Tamworth.

A Mortgage Broker Tamworth You Can Trust

Our trust mortgage advice service is valued by many customers, both past and present. Take a look at our fantastic reviews to see for yourself!

 

Customer service is at the heart of the company, and we couldn’t see it any other way.

1000s of Mortgage Deals

As a Mortgage Broker in Tamworth, we are able to search through 1000s of mortgage deals on your behalf. We will measure your affordability against your income and try to find an appropriate deal that matches your personal and financial situation.

 

We are able to access both high street and specialist mortgage products. We have many different lenders on panel, each with their own unique deals. Your Mortgage Advisor in Tamworth will try and pick out the perfect one for you and what you are looking to achieve. Factors such as credit rating will also come into play here.

 

If you are looking for professional help through your mortgage process, we would be more than happy to help. Getting Mortgage Advice in Tamworth has never been easier due to our Enquire Online system. We can’t wait to hear from you!

Free Mortgage Appointment

You can book a free mortgage appointment with a Mortgage Advisor in Tamworth 7 days a week. We operate during out-of-office hours so that you can book a mortgage appointment at a time that best suits you.

 

It’s easy to do too! Answer a couple of questions and then you will be paired with a Mortgage Advisor in Tamworth that specialises in your specific mortgage situation.

 

From first time buyers to landlords looking to invest in a buy to let property in Tamworth, our advisors are experts in every mortgage situation. If we haven’t come across your situation before, no worries! Our team love a good challenge and will be more than happy to try and find a solution to your problem.

We search 1000's of mortgage deals across a large number of lenders, including:

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How do I transact with my Mortgage Broker in Tamworth?

You’ll benefit from a free initial mortgage consultation with one of our experts. Out of hours mortgage advice isn’t a problem, we have in-house mortgage advisors working until late to take your mortgage enquiries. Give us a call anytime from 8am-10pm, 7 days a week, we may be able to help!

Why shouldn’t I go to my bank for Mortgage Advice in Tamworth?

The banks’ mortgage advisors are only able to offer their own products. Their mortgage advisors can also be rather hard to get an appointment with, so if you’re actively looking at properties or are ready to offer this can be very frustrating. Approaching a mortgage broker will work in your favour, as we can compare 1000's of deals for you deals not just a limited amount. Our huge panel consist of more than 30 lenders, so finding you that perfect deal shouldn't be a problem for us.

My bank turned me down – Will you be able to get me a mortgage?

Quite often, customers that contact us for mortgage advice have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we are able to help with this; we do have over 20 years of industry experience after all.

Common mortgage questions

Your free mortgage consultation in Birmingham will last approximately one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to go ahead.

As your Mortgage Broker in Birmingham, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then once you have provided all the relevant documentation and a valuation of the property has been carried out a formal mortgage offer can be issued

Our Mortgage Advisors in Birmingham recommend that you try and get your Agreement in Principle before you take up the decision of starting to view properties in Birmingham, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position with the seller.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the lender. If your Agreement in Principle expires it can always be refreshed. If you need help obtaining one, our Mortgage Advisors in Birmingham can usually get one sorted for you within 24 hours of your application.

It can be possible to get a second mortgage on your home in Birmingham for debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.

To purchase a house in Birmingham, the minimum deposit with High Street Lenders is typically 5% but this can be higher if you have had previous credit problems.

If you have had credit problems you may still be able to get a mortgage but you will likely need to put down a higher deposit than usual, perhaps 15% of the purchase price.

You can get a mortgage in Birmingham once you have submitted at least one year’s accounts. Most lenders use your salary + dividend to calculate the maximum mortgage whereas others go off your net profit.

To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for Self Employed. In addition, you will need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation in Birmingham typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes about three weeks on average. Before you know it, you will be moving into your new property in Birmingham!

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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Birminghammoneyman

Birminghammoneyman - Office 1, Izabella House, 24-26 Regent Place, City Centre, Birmingham, B1 3NJ

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