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First Time Buyer Mortgage Advice in Birmingham

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7 days a week, 8am - 10pm

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First Time Buyer Mortgage Advice in Birmingham

Discover your borrowing potential and move closer to securing your dream home as a first time buyer in Birmingham.

Speak to an Advisor - It's Free!

Looking at Getting a First Time Buyer Mortgage in Birmingham?

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.

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First Time Buyer Mortgage Advice in Birmingham

We will be With you Throughout the Whole Process!

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.

What will the costs be, and how much can I borrow?

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.

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FAQ's From First Time Buyers in Birmingham

Are there any schemes to help me get onto the property ladder in Birmingham?

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To help more first time buyers in Birmingham get onto the property ladder, there are various home buying Schemes, including the Lifetime ISA and the Right to Buy Scheme, Shared Ownership etc.

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.

You've seen a property you like - What's next?

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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.

Your offer has been accepted, and you'd like to proceed with a mortgage application?

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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.

Mortgage advice from the bank was unsuccessful?

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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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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

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.

We Can Search 1000s of Mortgage Deals

Step 2

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.

Submit Your Mortgage Application

Step 3

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.

Protecting You and Your Mortgage

Step 4

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.

Why choose us for mortgage advice in Birmingham?

Free Mortgage Appointment

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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.

1000s of Deals

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Unlike the high street banks, we are able to search 1000’s 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!

Our Service

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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.

7 days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

We Search 1000s of First Time Buyer Mortgages in Birmingham

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Common First Time Buyer Mortgage Scenarios

How can a mortgage broker in Birmingham help me secure a first time buyer mortgage?

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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.

How much can you borrow for a mortgage in Birmingham?

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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.

Ready to make an offer on a property?

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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.

Has your offer already been accepted?

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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.

Are you looking at getting an Agreement in Principle?

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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.

Have you been declined by your Bank or Building Society?

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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.

Free Mortgage Guides & 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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