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Moving Home Mortgage Advice in Birmingham

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We Take the Stress Away From Moving Home!

It is often said that moving home is one of the most stressful events that we will go through in life. Especially if you are selling and purchasing at the same time. With an expert Mortgage Broker in Birmingham by your side, we can help take the stress away.

 

We will be here to support you throughout the whole process, answering any questions you may have. We’ll talk you through the process and our Mortgage Advisors in Birmingham will always be at the other end of the phone when you need us.

 

We can search 1000s of mortgage products, to find you the best deal for your individual circumstances.

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

Moving Home Mortgage Advice in Birmingham

We have helped many Home Movers in Birmingham take that next step on the property ladder. Below are some of the more popular home moving scenarios:

  • Would you like to know how much you can borrow and what your monthly costs would be, ahead of viewing properties?
  • What happens to your current mortgage? We will explain all of your options here for you so you can compare which is the best way forward.
  • Already sold your property subject to contract, and had an offer accepted on your onward purchase? Brilliant, leave the rest to us, your mortgage is in safe hands.
  • Need to obtain a mortgage Agreement In Principle so you are ready to start making offers?
  • Having problems? Been to see your Bank’s Mortgage Advisor and were turned away? Do you have a poor credit score, an income mix, the bank won’t lend you enough, or don’t fit their criteria?
  • Wanting Mortgage Advice in Birmingham for a complicated situation?

Contact us to book your free mortgage consultation.

Why choose Birminghammoneyman as your Moving Home Mortgage Broker?

  • Our Mortgage Advisors in Birmingham are very experienced with helping customers taking the next step on the property ladder, and there is rarely a situation that we haven’t come across.
  • We offer all customers a free home movers mortgage review, as part of this review, we will look at helping you work out your monthly budget and maximum that you can borrow.
  • If you are happy with our recommendation, we would then look at obtaining an Agreement In Principle so that you are ready to back up any offers that you would like to make.
  • Then, when you have found your new home and had an offer accepted. We would then proceed with your mortgage application, taking care of everything right through until completion.
  • We don’t just source you the best mortgage, we can also help with; discussing the different types of property survey that are available to you, help obtain many Conveyancing Solicitor quotes, or discuss the appropriate associated insurances that are available.
  • We work solely for you! We have no vested interest with any estate agents, builders or banks.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Birmingham will last approximately one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to go ahead.

As your mortgage broker in Birmingham, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then once you have provided all the relevant documentation and a valuation of the property has been carried out a formal mortgage offer can be issued

We recommend you obtain an Agreement in Principle before you start viewing properties in Birmingham, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender. If your Agreement in Principle expires it can always be refreshed.

It can be possible to get a second mortgage on your home for debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.

To purchase a house in Birmingham. The minimum deposit with High Street Lenders is typically 5% but this can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may need to put down a higher deposit than usual, perhaps 15% of the purchase price.

You can get a mortgage once you have submitted at least one year’s accounts. Most Lenders use your salary + dividend to calculate the maximum mortgage whereas others go off your net profit.

To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for self-employed. In addition you will need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes about three weeks on average.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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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 authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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