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The Mortgage Guarantee Scheme is a government-backed initiative that allows borrowers to secure a mortgage with only a 5% deposit.
This scheme is available to both first-time buyers and home movers in Birmingham, making mortgages more affordable for a broader range of individuals.
To begin, you will need a 5% deposit based on the property’s value. For instance, a property priced at £200,000 would require a £10,000 deposit.
Once you have this deposit, you can apply for the scheme through your bank or a mortgage broker in Birmingham.
At Birminghammoneyman, we have access to thousands of mortgage deals, not just in-house products, to help you find a 95% LTV mortgage that saves you money.
To qualify for the Mortgage Guarantee Scheme, you must meet specific criteria:
For more information on your eligibility, please get in touch with our mortgage advisors in Birmingham.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
4.98 Rating94 Reviews
Johnathan
First time buyer so I needed some help with the whole process, Leo Shakespear kindly guided me through everything. Highly recommended the service and the execution.
Preslav
As first-time buyers, my partner and I were very unsure of the home purchasing process, but Jason and Debbie made everything feel easy and effortless. From our initial consultation with Jason to receiving our mortgage offer, the advice we...
Sara
Very informative and very responsive team
Doreen
I couldn’t have wish for a better experience on my journey to buying my property through Uk Moneyman. Very professional, yet friendly, and easy to deal with. I’d recommend to anyone thinking of buying a property.
Andrew
Matt and Debbie from Birmingham money man have been very helpful so far in the process of buying our first house answering all our questions quickly and with detailed and understandable explanations. they have made the process easier and much less...
Alexander
Professional and provide a great service
Natasha
Absolutely fantastic service - highly recommended
Stephanie
Excellent, communication and supportive staff. They have been Very thorough and informative.
Anonymous
Incredibly helpful and responsive, friendly people and they made a daunting process easy and straightforward, would definitely use them again
Anonymous
Helpful and knowledgeable. Helped me make good decisions and managed to get the best possible deal.
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...
Katia
They were really supportive and faster. I highly recommend their services.
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...
Mandy
They have been very helpful ,very patient helping sort any hiccups sorted everything in the end
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
Keith
You have given a very good act of yourself and very recommended by my shelf k gurney
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...
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...
Anonymous
Dan was very helpful and knowledgeable and dealt with our mortgage quickly and efficiently.
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.
Let’s address the challenges you’re facing and your aspirations with a trusted mortgage advisor in Birmingham.
During your free initial mortgage appointment, share details about your income and expenses to determine your affordability.
While certain circumstances may limit your options, we meticulously sift through thousands of deals to find the optimal solution for you.
Our next step involves obtaining an agreement in principle, bolstering any purchase offers you make.
Once you accept a purchase offer, your dedicated mortgage advisor in Birmingham will submit your full mortgage application alongside the necessary documents.
Expect regular updates from your case manager until you receive your mortgage offer and finalise your purchase.
Our service surpasses securing the most suitable deal; we provide guidance on relevant insurance policies to protect you and your family financially.
When it’s time for your mortgage renewal, we’ll proactively reach out to ensure you remain on the most advantageous terms.
Renowned for our expert, swift, and personable mortgage advice in Birmingham, we’re committed to guiding you throughout the mortgage journey.
Don’t hesitate; schedule your free initial mortgage appointment with our expert advisor today.
We’re here to address all your queries throughout the process, striving to fulfil your mortgage needs with our high-quality advice in Birmingham.
Our aim is for you to secure a mortgage deal that aligns with your personal and financial circumstances.
With two decades of accumulated knowledge and experience, our trusted team of mortgage advisors in Birmingham recommends the most suitable mortgage deals tailored to your current situation.
Concerned about your credit score? Obtain an up-to-date credit report before your appointment to enhance our understanding of your situation and available deals.
Our dedicated mortgage advice in Birmingham prioritises delivering the best service possible, ensuring you’re well-informed and receiving responsive, tailored assistance throughout the mortgage process.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Birminghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Birminghammoneyman 2009–2026
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Birminghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Birminghammoneyman 2009–2026
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