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Mortgage Broker in Walsall

& 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 Walsall

& 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 Walsall

We make getting mortgage advice in Walsall easy! You can easily book a free mortgage appointment or schedule a callback online, just select a date and time that suits you!

We work 7 days a week to make sure that you can book an appointment around your busy schedule. We have appointment times throughout the morning, afternoon or later on the night if that works better for you. Our team works around you!

If you want to speak to a mortgage advisor in Walsall, simply book online or give us a call today!

Having worked in the mortgage industry for over 20 years, we have gained valuable knowledge and insight into many different kinds of mortgage situations and scenarios. We deal with specialist cases in Walsall all of the time, and we would love to try and help you no matter how complicated you think your situation is!

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Your Mortgage Options in Walsall

All of our Customers Receive a Free Mortgage Appointment!

As a mortgage broker in Walsall, we are able to access a large panel of lenders. There are 1000s of mortgages available, both high street and specialist products. We will look through these mortgages and select the best option for your personal and financial situation.

During your free mortgage appointment with a mortgage advisor in Walsall, you will be asked questions surrounding your mortgage situation and what you are looking to achieve. This will help us work out what sort of products you may be able to access.

Following your appointment, we will also arrange a free agreement in principle (AIP) in your name. An AIP is a document that proves that a lender is willing to let you borrow a set amount from them, given that you can provide evidence to support your income and mortgage affordability. Usually, we can turn around an AIP within 24 hours of your mortgage appointment.

In some cases, AIPs can also help you negotiate the sellers asking price, as you can advance through the process quicker than someone who does not have one.

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Your Mortgage Options in Walsall

First Time Buyer Mortgages in Walsall

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As a first time buyer in Walsall, you may wonder where you start your mortgage process. We are here to help with that! When using a mortgage broker in Walsall like us, we will hold your hand through the entire mortgage process, before you’ve even started!

In all cases, we advise starting your mortgage process up to six months before your planned moving in date, this way, you have plenty of time to sort your finances and prepare your mortgage application. Your mortgage advisor in Walsall will help you work out how much you can borrow too so that you are able to begin looking at properties in Walsall.

For first time buyer mortgage advice in Walsall, get in touch with our team today by asking a question, scheduling a callback or booking a free appointment online.

Moving Home Mortgages in Walsall

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Moving home in Walsall and selling your home at the same time can be a very stressful experience. We want to provide a helping hand and sort the mortgage side of the process for you. Our job is to take the stress out of moving home in Walsall.

Even though you have done this process before, it can still be beneficial to get mortgage advice in Walsall. A mortgage broker in Walsall will be able to help you find the most suitable mortgage for your circumstances, as well as try to save you time and money.

Buy to let Mortgage Walsall

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We have a long history of helping landlords secure competitive mortgage products for their buy to let and let to buy properties in Walsall. Our buy to let mortgage advisors in Walsall would be more than happy to assist you alongside your journey to help secure you a buy to let mortgages in Walsall.

We can also help with other buy to let products, such as HMO mortgages and interest-only deals. If this is something that you need advice on, be sure to get in touch with our team.

Remortgaging in Walsall

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As you approach the end of your fixed-term, you will need to start exploring your options for remortgage in Walsall. If you do not remortgage before your fixed-term ends, you will fall onto your lender’s standard variable rate of interest. This rate of interest is usually much higher than your current rate and will likely increase your monthly mortgage payments.

As a mortgage broker in Walsall, we are able to search through 1000s of remortgage products on your behalf. During your free remortgage review, we will look at your personal and financial situation to make sure that we find a product that is most suited to you.

There are other remortgage options available too, such as remortgaging for home improvements, debt consolidation and releasing equity. If one of these options is something that you are looking to achieve, then we would be more than happy to help.

Self Employed Mortgages Walsall

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If you are self employed in Walsall, 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 Walsall 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.

Mortgage Options for Over 50s in Walsall

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If you are looking at taking out a new mortgage in Walsall and are over the age of 50, we have later-life mortgage specialists that can assist you. You can speak with a later-life mortgage advisor in Walsall by booking your free mortgage appointment online or by giving us a call.

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

Your first task is to reach out to us. As a responsive mortgage broker in Walsall, you can contact us 7 days a week. Once you get in touch, it’s time to book your free mortgage appointment.

You can book a free mortgage appointment in Walsall online today and speak with an advisor. As a mortgage broker in Birmingham, we just want the best outcome for you!

Free Mortgage Apppointment

Step 2

This mortgage appointment with a mortgage advisor in Walsall will allow you to ask questions and you will learn how the mortgage process works. Your advisor will also ask you questions regarding your personal and financial situation to try and build a picture of your mortgage scenario. This will also help them find a suitable mortgage product for your situation.

Finding a Suitable Product

Step 3

Once your mortgage advisor in Walsall has found you a perfect mortgage product, you will be presented with a mortgage illustration. A mortgage illustration is a document that outlines every detail of a mortgage, such as monthly payments, arrangement fees and other details about the product. You are under no obligation to take out this mortgage product, however, if you do not want to continue with us, you will lose the offer too.

Submit Your Application

Step 4

If you want to continue with us and your mortgage product, great! We can now begin preparing your mortgage application. At this point, your mortgage advisor in Birmingham will hand you over to a dedicated case manager. They will help you start preparing your evidential documents.

Once you have submitted your formal mortgage application, now all that is left to do is to wait for a response from your mortgage lender. Once we hear back the good news, it’s time to move into your new home!

Reasons to Choose us

Free Appointment in Walsall

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We specialise in all different kinds of mortgage scenarios, including complex situations. Even if you have bad credit and have been declined by your bank, don’t hesitate to reach out to our team, we have helped customers in the past after they had received bad news from their bank. We also recommend that you do not keep applying to your bank if you have been declined; the more that you are declined, the more harm you are doing to your credit score.

Search 1000s of products

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We always have your best interests at heart, working solely for you. Our aim, as your mortgage broker in Birmingham, is to take all of the stress away from the mortgage process and try to save you time and money in the process. We’ll compare 1000s of deals in order to try and find the most appropriate one for you.

Our Service

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Customer service is at the heart of our business, and it always will be! Over our years of working with the mortgage sector, we have built up a large number of reviews from happy clients. Feel free to check out our reviews and see whether we have helped other applicants in a similar situation to yourself.

7 Days a Week

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Our mortgage advisors in Birmingham work 7 days a week to ensure that you can get in touch at a time that best suits you. If you have any questions for your mortgage advisor in Walsall, don’t hesitate to get in touch right away.

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Common Mortgage Questions in Walsall

When should I get an Agreement in Principle in Walsall?

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To start your property search in Walsall, we advise that you obtain an Agreement in Principle (AIP) as early as possible during the process. As a mortgage broker in Walsall, we can typically generate this document within 24 hours of your mortgage consultation.

An AIP is a valuable document that demonstrates your financial capability to qualify for a mortgage, contingent upon you providing proof to validate your income, credit history, and other pertinent factors. Furthermore, an AIP may aid you in negotiating with the seller and potentially lower their asking price.

How does my free mortgage appointment in Walsall work?

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When booking your free mortgage consultation with us, you’ll get to spend around 30 minutes to an hour conversing with one of our experienced mortgage advisors in Walsall.

Throughout the consultation, your mortgage advisor in Walsall will inquire about your financial and personal situation to gain a comprehensive understanding of your mortgage objectives. This allows us to determine the most appropriate mortgage products for you.

Following your appointment, your mortgage advisor in Walsall will review your information and conduct a search to locate the most suitable mortgage product that meets your individual requirements.

Why use a mortgage broker in Walsall like us?

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Our objective, as mortgage brokers in Walsall, is to provide you with support and guidance throughout the entirety of the mortgage process. Our services go beyond just locating a mortgage deal for you; the deal that we find will be tailored to your individual financial and personal circumstances.

Furthermore, we will help you prepare your mortgage application to create the best impression possible with your lender. We will ensure that all necessary documentation is in order to validate your income and affordability, maximising your chances of being accepted by the mortgage lender.

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

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Despite having a poor credit history, it can still be possible to get a mortgage in Walsall through specialised lenders who offer products tailored to buyers in this situation. However, it’s worth noting that these products typically require you to provide a higher deposit than a standard mortgage. This could range from 10%-15% of the property value.

If you need help securing a mortgage in Walsall with bad credit, our team is at your disposal to provide assistance.

Can I get a second mortgage in Walsall?

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As a mortgage broker in Walsall, we have helped many customers obtain second or multiple mortgages for a range of purposes, including buy to lets, let to buys, holiday lets, and more.

Typically, taking out an additional mortgage requires you to provide a significant deposit, have a good credit rating and have the financial capability to meet two large mortgage repayments month on month. In the case of let to buy or buy to let mortgages in Walsall, having a tenant may cover the second set of payments.

We strongly advise seeking guidance from a mortgage advisor in Walsall to assess your eligibility before applying for another mortgage.

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

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If you’re looking for a mortgage in Walsall, it’s important to remember that the majority of lenders typically require you to put down a minimum deposit of 5% of the property’s worth.

However, depending on your credit rating, you may have to offer a larger deposit of 10%-15% or potentially more. If you are wanting to find out how much you can borrow for a mortgage in Walsall, get in touch with our team today.

We Search 1000s of Mortgages in Walsall

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

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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Speak to an Advisor – It’s Free!
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