Mortgage Broker in Walmley

First time buyer in Birminghamwho are embarking on one of the biggest financial commitments may find the mortgage process daunting, leaving you unsure where to start. Being a fast and friendly mortgage broker in Walmley, once you’ve book a free appointment, from first point of content to handing over the keys, you’ll be provoided with regular updates throughout the entire process.

During your appointment, you’ll be asessed and asked a series of question regaridng your financial background and what you are looking to achieve. From there, we’ll conduct an affordability assessment to see what deal are avaliable to you.

Your allicated mortgage advisor in Walmley will search 1000’s of deals and sift through the ones that best suits your situation, and tell you the maximum amount you can borrow for a mortgage and how much your repayments will be. Within 24 hours after your appointment, we wil provide you with an Agreement in Principle for you, which is a good barganing tool when making any offers on a property.

If you have any question at all, our mortgage advisors in Walmley will be more than happy to answer, so don’t hesitate to ask.

Those who are in the process of moving home in Birmingham will be a more familiar with the process, but managing the simultaneous buying and selling of properties can be challenging. As a reputable mortgage broker in Walmley, a member of our team will be more than happy to manage the mortgage side of things, giving you more time to focus on the move itself.

It’s good to check your affordability prior to taking viewing and making offers. We can help you with working up a budget so you know what types of properties you can afford in Walmley, if you haven’t done so already.

Over the years, we have developed a close and long-lasing relationships with many landlords and helped them secure a buy to let mortgages in Birmingham. Whether you are a first tome buyer landlord, or have an existing property portfolio, our team will be more than happy to help.

We offer a range of mortgage options, including HMO, Holiday Let, Let to Buy, and more. Our mortgage advisor in Walmley can help you explore your buy to let options and find the most suitable mortgage for you.

As your fixed mortgage term approaches its end, it’s time to consider remortgage in Birmingham. This involves switching to another mortgage deal to avoid falling onto your lender’s standard variable rate of interest. We can assist you in finding competitive rates and products in the market. If you’ve kept up with your repayments, you may find that you have competitive rates available to you.

Aside from finding a better deal, many individuals choose to remortgage for purposes such as home improvements, releasing equity, or consolidating debt into their mortgage. Book your free remortgage review, to see how one of our mortgage advisors in Walmley can explore your remortgage options today.

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 Walmley 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.

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

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 Walmley.

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

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 home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.