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Mortgage Broker in Telford

& 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 Telford

& 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 Telford

Welcome to your online hub for open and honest mortgage advice in Telford – Birminghammoneyman!

As a mortgage broker in Telford, we have built a brilliant reputation in providing many customers with top level mortgage advice in Telford. With over 20 years under our belt, we have come across the majority of mortgage situations.

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Your Mortgage Options in Telford

All of our Customers Receive a Free Mortgage Appointment!

Using both our knowledge and experience, our mortgage advisors in Telford will be by your side throughout the process making sure the mortgage journey as smooth & straightforward as possible.

Whether you are stepping into the mortgage world for the first time or are looking to move to a new property, we understand the mortgage process can come with its obstacles which is why we work hard in helping overcome any of these obstacles.

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Your Mortgage Options in Telford

First Time Buyer Mortgages in Telford

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As a first time buyer in Telford, taking on a big financial commitment like a mortgage can be an exciting but daunting experience and may be unsure on where to start.

When we speak to customers who are looking at taking on their first mortgage, the general worry is the amount they can borrow as well as what their monthly mortgage payments will be.

Utilising our knowledge as an expert mortgage broker in Telford, our team can help you in working out a rough estimate of these figures so you can have a better understanding of this.

When you have found your dream property it’s then time to obtain an agreement in principle.

This document will show that you have passed the initial credit checks carried out by the mortgage lender and that they are ready to lend you the funds for a mortgage.

Here at Birminghammoneyman, our team can normally sort this out within 24 hours of your initial mortgage appointment.

Moving Home Mortgages in Telford

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If you are looking to moving home in Telford and are interested in speaking to a mortgage broker in Telford, get in touch with our team today!

Through our experience as a mortgage broker in Telford, we understand that moving home can be stressful.

As well as finding someone to buy your home, you will need to sort out moving your current belongings along with arranging the rest of your home purchase. On top of that is the mortgage side which is where we can help. This is just one of the many benefits of using a mortgage broker in Telford!

Buy to let Mortgage Telford

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Our team has built a great reputation in helping both budding and existing landlords in their starting and growing their property portfolio.

When it comes to buy to let mortgages in Telford, there exists a myriad of options to choose from, including HMO (House in Multiple Occupation), Holiday Let, Let to Buy, and various others.

Being a trusted mortgage broker in Telford, we have experience in not only helping landlords build their portfolios but also helping with remortgaging their existing properties in Telford.

As a landlord, you may look at the potential of realising equity from your property which can go towards a deposit towards a new purchase.

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

Remortgaging in Telford

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For those who are a homeowner, you may be coming to the end of your mortgage deal and looking into a remortgage in Telford.

This process includes you switching from your current mortgage deal with your current mortgage lender to a new one.

Our team at Birminghammoneyman pride itself on helping existing customers by contacting them 6 months before their current deal is about to end as well as supporting them throughout the process.

The reason we contact you 6 months before your current deal comes to an end is so you have enough time to review your remortgage options as well as make necessary arrangements.

Self Employed Mortgages Telford

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If you are self employed in Telford and are looking to obtain a mortgage, you may find the process is slightly different to an employed applicant. The process can be a bit more challenging as you will be required to provide substantial evidence of your income to the mortgage lender.

From a mortgage lender’s point of view, they will need to be 100% sure that your income is both adequate and consistent enough before they will consider you as an individual to who they are willing to lend a large amount of money.

This may be a little complicated, but depending on your situation, it is still possible for self employed customers to get a mortgage in Telford!

As an expert mortgage broker in Telford, we have helped many self employed applicants to achieve their mortgage goals. Our team can support you throughout the process and will work hard in overcoming any hurdles that may occur.

Mortgage Options for Over 50s in Telford

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When it comes to equity release in Telford, it will likely be taken out as a home reversion plan or more generally, you’ll see it in the form of a lifetime mortgage in Telford.

As well as this, we have options for those who are looking for a mortgage and are over the age of 50.

These options include retirement interest only (rio), term interest only (to) mortgages, as well as your regular mortgage types of remortgages in Telford.

Here at Birminghammoneyman, we will always explore alternatives to find the option that is appropriate for you before equity release in Telford 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

Our mortgage advisors in Telford at Birminghammoneyman are here 7 days a week from early in the morning until late at night so you can book your free mortgage appointment at a time that suits you!

Get in touch with our friendly team today and they will connect you to an expert mortgage advisor in Telford who can support you towards your mortgage goals.

Free Mortgage Apppointment

Step 2

We understand that everyone’s lifestyles are different and go beyond the typical 9 to 5 and we are always there to answer any questions you may have!

As an open and honest mortgage broker in Birmingham and surrounding areas, like Telford, we are proud to provide a friendly and flexible service.

Finding a Suitable Product

Step 3

Our team prides itself on making our customers feel supported and at ease throughout the mortgage journey.

This is highly reflected in our customer reviews from happy and satisfied homeowners who approached us as an expert mortgage broker in Telford.

Submit Your Application

Step 4

This is why our mortgage advisors in Telford work hard in providing a simple and stress free service.

Reasons to Choose us

Free Appointment in Telford

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Through our 20 plus years as an expert mortgage broker in Birmingham, we have encountered a large variety of mortgage situations.

Search 1000s of products

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With this in mind, if you feel your situation is too complex, please don’t hesitate to get in touch! It’s very likely our team has encountered your situation before and will know the solution.

Our Service

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Even if this isn’t the case, our team love a challenge and will work hard in overcoming any hurdles that may occur.

7 Days a Week

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Contact our team and book an appointment with our mortgage advisor in Birmingham. Our goal is to provide you with help and support, working hard in helping you achieve mortgage success!

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Telford

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

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When seeking a mortgage in Telford, most lenders will request a minimum deposit of 5% of the property’s value. However, if your credit score is lower, you may be required to provide a larger deposit of 10% to 15% of the property’s cost. This is because mortgage lenders often scrutinize your credit history to ensure that they’re lending to a trustworthy borrower.

Missed payments or unsecured debts are typically viewed as possible concerns for mortgage lenders.

Why use a mortgage broker in Telford like us?

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As your mortgage broker in Telford, we’re committed to guiding you through the entire mortgage process, from start to finish. Our aim is to help you locate the most appropriate mortgage product for your financial and personal circumstances, assist you with completing your application, ease any stress during the process, and, most importantly, assist you in obtaining the keys to your dream home.

Our team of professionals has extensive experience working with a variety of buyers, with specialisations that include buy to let and self-employed mortgages in Telford, equity release, insurance, and unique scenarios.

Accessing mortgage advice in Telford has never been simpler, as you can now book your free mortgage consultation or schedule a callback with one of our mortgage advisors in Telford online.

How does the free mortgage appointment in Telford work?

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At your free mortgage consultation, you’ll have the chance to speak with a mortgage advisor in Telford for roughly 30-60 minutes. Your advisor will inquire about your mortgage needs and objectives, as well as collect information about your personal and financial history to identify available mortgage options that match your situation.

Following the consultation, your mortgage advisor in Telford will conduct research to locate a suitable mortgage product that aligns with your specific circumstances.

Can I get a second mortgage in Telford?

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As a mortgage broker in Telford, we have helped numerous applicants in securing a second or even multiple mortgages, for purposes such as buy to let, let to buy, holiday lets, and more.

However, obtaining another mortgage typically requires a sizeable deposit, a strong credit score, and the ability to manage additional monthly repayments. In cases where a let to buy or buy to let mortgage in Telford is involved, having a tenant can help cover these expenses.

Before proceeding with an application for another mortgage, we suggest consulting with a mortgage advisor in Telford to determine your eligibility. Our experienced team has been working in the industry for over 20 years and is available to provide assistance.

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

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Even if you have bad credit, obtaining a mortgage in Telford may still be possible. Certain lenders specialise in providing products to buyers with bad credit, so it’s worth exploring these options.

However, if you have bad credit and are seeking a mortgage in Telford, be prepared to provide a larger deposit, usually around 10%-15%. If you require mortgage advice in Telford and would like assistance in improving your credit score, our mortgage advisors in Telford are available to guide you in the right direction and provide tips on where to start.

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Foundation Home Loans & 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

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