For those taking on the mortgage process as a first time buyer in Birmingham, we want to help you get the keys to your first home. Sometimes the home buying process may leave you feeling a little overwhelmed and daunted, but rest assured, our mortgage advisors in Birmingham are here to take the stress away.
As a mortgage broker in Birmingham, we have found suitable deals for many First Time Buyers in Birmingham to help achieve their mortgage goals. It's not just about finding you a mortgage for your individual circumstances.
Our mortgage advisors in Birmingham will be here to talk you through what happens and always be at the other end of the phone when you need us for any queries regarding the journey you are undertaking.
Suppose you are looking to purchase your first home but are uncertain of being eligible for a mortgage. Then you would appreciate one of the many benefits of speaking to a mortgage advisor in Birmingham.
While applying for a mortgage, affordability plays a huge part. Your lender will examine your annual salary and any other income you have, alongside your outgoings. As well as looking at your credit file to make sure you can manage your finances responsibly. All these facts get taken into consideration to see how much you can borrow for a mortgage.
How much you have saved for a deposit can also factor in what mortgages are available to you.
As a mortgage broker in Birmingham, we have a vast knowledge of lenders' various criteria. With this knowledge, we can look at your income, expenditure, and credit history to search through 1000's of deals to recommend the most suitable mortgage for your circumstances.
To help more first time buyers in Birmingham get onto the property ladder, the government introduced various Schemes, including the Lifetime ISA and the Right to Buy Scheme.
Our mortgage advisors in Birmingham are familiar with all the current government schemes available and If you feel like this scheme will benefit you, get in touch with an expert mortgage advisor today and receive a free mortgage consultation.
For many who get in touch, especially first time buyers, a part of the anxiety and uncertainty can be down to wondering how much they can borrow and what their monthly costs may be going forward.
Your dedicated mortgage advisor in Birmingham will be able to provide you with a rough estimate on this, giving you a clearer picture and fewer unanswered questions surrounding your process.
Generally, after finding a property you like, the next step is to obtain an Agreement in Principle, also known as a Decision in Principle, DIP or AIP. No matter the name you hear it called, the purpose is the same.
An AIP means that you have passed the lenders initial credit check and are agreed in principle for your mortgage.
It shows the seller of the property you're after that you're in a position to proceed should they accept your offer, putting you ahead of other potential buyers allowing for possible negotiation on price.
A member of our mortgage advice team can usually turn these around within 24 hours of your initial appointment.
This is excellent news! Your next step will be to get back in touch with your Mortgage Broker in Birmingham. They will be able to progress your mortgage application and deal with all the paperwork on your behalf.
We come across various circumstances and hurdles all the time, so your experienced advisor will likely have come across something similar in the past.
With this knowledge, they'll work hard to ensure you hopefully end up with a favourable outcome.
Whether because of bad credit, no credit or something else, we often hear from first time buyers in Birmingham who have been turned away from their bank.
Our team of mortgage and protection specialist advisors in Birmingham will work hard, from early until late, to try and find a solution for any hurdles you come across.
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4.99 Rating69 Reviews
James
Jason and his colleagues at UK Moneyman have been amazing from the start. When we began the process of house buying and finding a mortgage we knew very little, but Jason explained much to us in a telephone consultation and outlined all our options....
3 months ago
Samantha
Very impressed, service was really good and efficient and anything g that needed explaining was done very clear. Would definitely recommend
3 months ago
Shelline
Leo Shakespeare and Stacey Jopling has work long side each other to made this entire journey extremely smooth and informative as a first time buyer. His service has been phenomenal. I had been rejected from many other brokers and banks and he...
6 months ago
Nafesa
I have been dealing with Wendy and Malcolm in regards to my house purchase and I could not recommend these enough. A true credit to the company. Very efficient with communication and solving any issues that needed to be addressed. Would highly...
8 months ago
Anonymous
Incredibly helpful, supported throughout whole process
8 months ago
Nazeef
Fantastic experience. Charlie helped me race through to secure the best mortgage offer, best plan for life and critical illness insurance. Very approachable and responsive even with any queries I had after everything was completed.
9 months ago
Tyler
Had great help from both Joe and Chris and Chloe who were all friendly and always happy to help
1 year ago
Rosie
Made everything very easy, we are first time buyers and they couldn't have been more helpful or informative. They didn't make us feel like we were stupid for not know anything about buying a house and talked us through the entire process. They even...
1 year ago
Sophie
Tom and Meghan were brilliant throughout the entire process! Both were friendly and knowledgeable and explained everything to us clearly and answered our countless questions and gave us clarification where we needed it. Both were easy to contact and...
1 year ago
Esme
Super helpful, made the whole process really easy and explained everything as we went along. Pretty good at keeping in contact, keeping us up to date and explaining the choices we had and then giving us the time to discuss and make those decisions.
1 year ago
Sheikh
I must say I am very pleased with the service I recieved from Moneyman, they set up regular calls and kept us updated throughout the checking progress. Fairly priced fees and very knowledgeable! I would highly recommend their services
1 year ago
Abdassami
Second time with this broker and it's been an amazing experience. Would definitely recommend. Anna and Matt were brilliant.
1 year ago
Nicholas
We couldn't be happier with the service provided. Matt has been professional, helpful and extremely supportive throughout our process. We will certainly be recommending you to friends. Communication was 5* and Matt was available at any point...
1 year ago
Asia
Great team - very good communication and very nice, helpful team that made it possible for me! Thank you for the great service.
1 year ago
Andrew
To say we have had a nightmare of a process of trying to buy a house would be an understatement, however Wayne and team were the bright light that helped us get through it. Can't thank them enough for their help.
1 year ago
Kazim
That nice š
1 year ago
Kristina
Brilliant service! Would highly recommend! Tom at the Birmingham branch was amazing. We're first time buyers so we were very unsure of the whole process and had lots of questions. Tom gave us all the support and guidance we needed and was there for...
1 year ago
Anonymous
Moneyman were really supportive during this process. After our first house fell through following downvaluation, they were really helpful in outlining the process moving forward and supporting us through the next house sale. Couldn't be happier with...
1 year ago
Eleanor
Thank you so much for your support Even when I Couldn't get hold of anyone else During the pandemic Your staff were there to encourage me to press on with the mortgage after Thanks for your help and the guidance Thanks for giving me a chance And...
2 years ago
Anonymous
Very good service, unbelievable fast to apply my mortgage. Thank you all of you.
2 years ago
Having a conversation with a professional mortgage advisor in Birmingham is essential to discuss your mortgage scenario.
Our dedicated mortgage advisor in Birmingham will carefully analyse your income and expenses during a complimentary mortgage appointment. This evaluation will enable us to determine the maximum borrowing capacity available to you as a first-time buyer in Birmingham.
Don't hesitate to reach out to us and schedule your consultation. We are eager to assist you in achieving your mortgage objectives.
At Birminghammoneyman, we have a team of experts who can connect you with a wide selection of lenders offering specialised products designed specifically for first-time buyers in Birmingham. This will assist you in embarking on your path to becoming a homeowner.
Following your consultation, we will swiftly obtain your mortgage agreement in principle (AIP), typically within 24 hours. An AIP serves as proof to sellers that you are dedicated to proceeding with the purchase, enhancing your credibility as a buyer.
After your offer on a property is accepted, our committed mortgage advisor in Birmingham will handle the submission of your mortgage application and organize any additional documentation required by the lender.
Throughout the mortgage process, your dedicated case manager will provide regular updates, ensuring you are well-informed at every stage. We are here to support you throughout the journey of obtaining the keys to your new home.
Alongside finding the most suitable mortgage deal for first time buyers in Birmingham, our team is dedicated to assisting you in acquiring comprehensive insurance coverage to protect you and your loved ones financially.
Obtaining insurance while securing a mortgage offers a vital safety net in case of unexpected events like death, disability, or job loss. Insurance products that cover mortgage payments provide reassurance that in such circumstances, the borrower's family won't be burdened with the responsibility of paying off the mortgage.
Our team of fast, friendly & experienced mortgage advisors in Birmingham love helping first time buyers achieve success during their first time looking for a home in Birmingham.
Unlike the high street banks, we are able to search 1000ās of mortgage deals to find the best one that suits your individual circumstances, both financially and personally.
We always aim to take the stress away and manage all the paperwork for you. The exciting part is finding a property that you like, and that part is solely up to you!
If it is something you would also prefer, we can also help with putting offers forward to estate agents, conveyancing solicitors and help with deciding on what survey would be best.
Please read our genuine customer reviews, as they are a true reflection of the level of dedication and support we provide to all customers. The service you receive and your happiness is really important to us.
Right from your initial call, right through to getting the keys to your dream home, your dedicated mortgage advisor in Birmingham will be by your side to provide support and guidance throughout the day and ready to help answer any questions that you may have regarding your mortgage.
Our mortgage advice team in Birmingham are available seven days a week, morning, evening and weekends. From 8am, right through until 10pm at night, we are here at a time that suits you, your family and your work and personal schedule.
As a trusted and experienced mortgage broker with over 20 years of experience in the world of mortgages providing expert mortgage advice in Birmingham, we have helped many first time buyers in Birmingham onto the property ladder, reducing their nerves and working hard to try and find them success with what they were looking to achieve with their first home.
Many customers often wonder about the amount they can borrow when aiming to achieve their mortgage goals. Rest assured, your mortgage advisor in Birmingham possesses the expertise to provide an accurate borrowing figure for you.
If you find yourself in a position to make an offer on a property but require assistance, our team of expert mortgage advisors in Birmingham is here to help. Additionally, we can assist you in obtaining an agreement in principle (AIP), which can prove invaluable when making property offers.
For those whose offers have been accepted, it's time to prepare your mortgage application. As a transparent and trustworthy mortgage broker in Birmingham, we take on the responsibility of guiding you through this process. Before submitting your application, our team will ensure that you meet the eligibility criteria for the mortgage on the desired property, preventing unnecessary declines.
Having an AIP is a crucial step in the mortgage process. It can significantly aid you in making offers on your prospective property. Typically, we can arrange an AIP within 24 hours of your inquiry.
If you have faced previous rejections, we strongly advise against applying for another mortgage until you are confident of acceptance. It's important to identify the reasons behind previous declines and take the necessary time to address them.
Our friendly mortgage advisors in Birmingham will ensure that your application is well-prepared for mortgage acceptance. We will never submit a mortgage application for you if you do not meet the required criteria.
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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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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
