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Mortgage Broker in Tamworth

& 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 Tamworth

& 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 Tamworth

Getting mortgage advice in Tamworth has never been easier. As a responsive mortgage broker in Tamworth, we are available 7 days a week, meaning that you can get in touch with our team at a time that best suits you. To start your mortgage process, you can book a free mortgage appointment or arrange a callback with one of our mortgage advisors in Tamworth online.

We have over 20 years of experience in the mortgage sector, helping all different kinds of applicants through their mortgage journey. We are here to help first time buyers, home movers, buy to let landlords, the self employed, those looking at help to buy and right to buy schemes and those in specialist situations. Our job as your mortgage broker in Tamworth is to take all of the stress out of the process and make you feel comfortable and secure throughout.

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Your Mortgage Options in Tamworth

All of our Customers Receive a Free Mortgage Appointment!

Once you have booked your free mortgage appointment online, you will get the opportunity to speak with a mortgage advisor in Tamworth that specialises in your situation. They will ask you questions regarding your personal and financial situation so that they can work out what sort of mortgage products you could be able to access. Once you have spoken with your mortgage advisor in Tamworth, they will go away to find a product tailored to you. They will not select a product that you will not match.

Once your mortgage advisor in Tamworth has selected a mortgage product for you, if you want to move forward with us and the deal, the next step is to prepare your mortgage application! This is the point where you will be passed over to your own dedicated case manager. They will help you prepare your application and make sure that you have everything in place to give you the best chance of being accepted for your mortgage product.

We love a challenge! If you think that your mortgage scenario is complicated, don’t hesitate to get in touch, we have helped applicants through many complex situations and would be more than happy to try and help you too!

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Your Mortgage Options in Tamworth

First Time Buyer Mortgages in Tamworth

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Buying your first home as a first time buyer in Tamworth, can be a stressful experience, where do you even start? Our job, as your mortgage broker in Tamworth, is to help you through the entire mortgage process, from start to finish. We will not only be trying to find you a suitable mortgage product, but we will also help you prepare your mortgage application and sort everything mortgage-related so that you don’t have to.

To get an idea of how much you can borrow for a mortgage in Tamworth, you can get in touch with our team. Our mortgage advisors in Tamworth, once you have provided information on your monthly income and outgoings, will be able to provide an accurate figure as to how much you can borrow for a mortgage. They will also factor in your lifestyle and current financial situation. If you are looking for mortgage advice in Tamworth, you can reach out to our team or read our free mortgage guides on our website.

Moving Home Mortgages in Tamworth

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Despite this not being your first time getting a mortgage, it can still be necessary to get mortgage advice in Tamworth before moving home in Tamworth. You will still need to find a new mortgage for your new property if you are unable to port your current one. Gaining help from a mortgage broker in Tamworth can remove all of the stress from the moving home process, especially since you are buying and selling a property at the same time.

We will search through 1000s of products before selecting one that is perfect for you and your new home. Your mortgage advisor in Tamworth will look carefully at your situation and the property that you are looking at buying to determine what sort of deals you can access.

Buy to let Mortgage Tamworth

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We have helped many local landlords secure great buy to let mortgages in Tamworth for their buy to let properties. By speaking to a mortgage broker in Tamworth, your buy to let process should run smoothly and will be able to receive transparent advice specifically for your buy to let situation.

We have a large variety of lenders on panel that will offer mortgage products for your buy to let in Tamworth. Our job is to pick out the perfect product for your personal and financial situation. Remember that you need a minimum of a 25% deposit and a good credit score for a buy to let mortgage.

Remortgaging in Tamworth

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If you are coming to the end of your fixed mortgage term, it is time to start thinking about remortgage in Tamworth. Remortgaging is the process of you taking out a new mortgage to replace your current one. By remortgaging in Tamworth, you would be avoiding falling onto your lenders standard variable rate of interest (SVR). This rate of interest is normally much higher than your current rate of interest, therefore, you would likely see your payments go up.

As a mortgage broker in Tamworth, we are able to help you remortgage and switch to a new mortgage product. We will aim to find you a mortgage deal that is both competitive and saves you money. We can also explore your different remortgage options with you if this is something that you are interested in. Before now, we have helped customers remortgage to fund improvements, release equity and consolidate debt just to name a few.

Self Employed Mortgages Tamworth

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If you are self employed in Birmingham, 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 Tamworth 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.

Mortgages for Over 50s & Equity Release in Tamworth

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

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 Tamworth.

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

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 is easy with our online process. Simply choose your preferred date and time, and we will connect you with an expert mortgage broker in Birmingham. They will take the time to understand your situation and assess your affordability.

Free Mortgage Apppointment

Step 2

During your appointment, your advisor will provide you with an Agreement in Principle, typically within 24 hours. Using this information, they will search for a suitable mortgage product that meets your needs.

Finding a Suitable Product

Step 3

Once you are satisfied with the mortgage product, we will proceed with your application. Our team will handle the application process, ensuring that it is completed accurately and efficiently.

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 Tamworth

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We offer every customer a free mortgage appointment, which you can book online or by giving our team a call. As a responsive mortgage broker in Birmingham, we are available 7 days a week. You can select a date and time that best suits you and your personal and working life. We understand that everyone is busy, that’s why the time that is best for you, is also best for us.

Search 1000s of products

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We have been working in the mortgage industry for over 20 years now and have been able to help 1000s of customers through their mortgage process. Our hard work and determination to get applicants over the finish line is portrayed in our reviews. We have generated many reviews from happy customers; feel free to take a look at them to see whether we have helped someone in a similar situation to yours.

Our Service

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We work solely for you and only have your best interests at heart. As soon as you get in touch with our team, we will be right by your side throughout the whole process. Our team of mortgage advisors in Tamworth will be available 7 days a week to answer all of your questions. If you are a little unsure about anything during the process, don’t hesitate to reach out to us and ask us a question!

To make it easy for you to speak with our team, you can arrange a callback online by following our “Get Started” process. Simply pick a date and time and time that best suits you.

7 Days a Week

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We have come across many different types of mortgage hurdles during our 20 years of working within the mortgage industry, so even if you think that your situation is complicated and we won’t be able to help, we’d love to give it a try! Our mortgage advisors in Tamworth will do their best to get you through your complex mortgage situation.

Feel free to reach out to our team and ask us a question if you are unsure about anything mortgage related. We are responsive and experienced and our job as your mortgage broker in Birmingham is to help you!

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Tamworth

Why use a mortgage broker in Tamworth like us?

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We are a mortgage broker in Tamworth, our job is to support you throughout your entire mortgage process. We will be right by your side from start to finish.

We have your best interests at heart and we will do our best to save you time and money. We can search through 1000s of mortgages in order to find the most competitive product for you!

You can easily speak with a mortgage advisor in Tamworth by booking your free mortgage appointment online. We have appointments available 7 days a week – pick a date and time that best suits you.

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

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If you are looking to get a mortgage in Tamworth, you will typically need at least a 5% deposit based on the property’s value.

If you have bad credit, you may be asked to put down a larger deposit. This will usually be around the 10%-15% mark.

Can I get a second mortgage in Tamworth?

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There are many different reasons why someone may want more than one mortgage; the main reasons include for a buy to let or let to buy. People may have more specific reasons, however, such as holiday let, buying for a family member etc.

You must have a good credit score to obtain a second mortgage and lenders will perform an in-depth credit search on you so that they are adamant that you can afford it. If you are taking out a new mortgage for a buy to let/let to buy property, your mortgage payments will be covered by your tenant.

Our mortgage advisors in Tamworth will run through your affordability before you submit your new mortgage application.

How does the free mortgage appointment in Tamworth work?

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Your free mortgage appointment in Tamworth will last around 30-60 minutes. During this appointment, you will get the chance to speak with a mortgage advisor in Tamworth and discuss your mortgage options.

Your mortgage advisor in Tamworth will ask you questions to better understand your situation and what you hope to accomplish. They will also take a look at your personal and financial situation and try to work out what sort of mortgage products you may be able to access.

When should I obtain an Agreement in Principle in Tamworth?

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An agreement in principle, otherwise known as an AIP is a document that you will need to support your offers whilst looking for properties in Tamworth. AIPs confirm that lenders are willing to lend to you given that you can prove your income and affordability.

In a situation 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.

Your AIP will remain valid for 30-90 days, once it expires, you will need to apply for a renewal. Luckily, our mortgage advisors in Tamworth are able to turn around an AIP within 24 hours of your mortgage appointment; just get in touch with our team and we’ll be more than happy to help!

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

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Despite having bad credit, in some cases, you may still be able to get a mortgage with bad credit in Tamworth. There are a few specialist lenders that offer mortgage products designed for customers with bad credit.

To access these types of products, you will be asked to put down a larger deposit, usually around 10%-15%. With you having bad credit, lenders need you to demonstrate your reliability.

If you need mortgage advice in Tamworth, feel free to reach out to our team. If you need to improve your credit score, we can give you some pointers on where to start!

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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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