It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
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.
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.
Our Customers Love Us
4.99 Rating85 Reviews
Anonymous
Incredibly helpful and responsive, friendly people and they made a daunting process easy and straightforward, would definitely use them again
1 month ago
Anonymous
Helpful and knowledgeable. Helped me make good decisions and managed to get the best possible deal.
1 month ago
SC
This has been a very challenging process that has taken a number of years to achieve. Birminghammoneyman brokers has been pivotal to me achieving my dream home. They have been patient and consistent in support and guidance. They are very reasonably...
3 months ago
Katia
They were really supportive and faster. I highly recommend their services.
6 months ago
Brian
I am very impressed and pleased with the service provided. Both Dan and Jonathan are consummate professionals who kept me informed at every stage of the process and were always on hand to answer any questions. They were sympathetic and eager to...
7 months ago
Mandy
They have been very helpful ,very patient helping sort any hiccups sorted everything in the end
8 months ago
Alistair
I have had a real good experience dealing with wayne and lizzie from uk moneyman they have been very informative and helpful couldent thank them enough for there work
8 months ago
Keith
You have given a very good act of yourself and very recommended by my shelf k gurney
9 months ago
Tayla-Leigh
The service that we received from Wayne and the team at UKMoneyMan was amazing. A straightforward and easy process. We highly recommend MoneyMan, especially to those that are first time buyers, everyone was so knowledgable and helpful. Friendly...
10 months ago
Harry
everyone from the money man uk team was a delight to work with, they made it all easy and stress free time for us and gave us all the support we needed. they was a pleasure to work with we will recommend them to family and friends and any future...
10 months ago
Anonymous
Dan was very helpful and knowledgeable and dealt with our mortgage quickly and efficiently.
10 months ago
Philip
Dan and Jonathan were very helpful and explained everything in detail. We were able to then make an informed decision on our lifetime mortgage.
1 year ago
Philip
Dan and Jonathen explained everything in a clear and concise manner and were quick to address any concerns. All in all it has been a straightforward experience.
1 year ago
Anonymous
Great brokers, very helpful and efficient.
1 year ago
Charlotte
Fantastic! So quick and efficient and answered all of my questions! Jason and Jo were great, i couldn’t recommend them more! As first time buyers it was an overwhelming process but they made each step so easy! We would certainly recommend!
1 year ago
Rasna
Dinah and Stacey, both have been amazing dealing with my mortgage. I can’t recommend them enough, Dinah has been helpful and has gone above and beyond to get the support/advice I need. I’ve had to change my property and both Dinah and Stacey...
1 year ago
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....
1 year ago
Samantha
Very impressed, service was really good and efficient and anything g that needed explaining was done very clear. Would definitely recommend
1 year 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...
2 years 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...
2 years ago
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.
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.
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 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!
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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Birminghammoneyman 2025.
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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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Birminghammoneyman 2025.
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