Read our 67 Reviews
Moving home is often cited as one of life’s most stressful experiences, but it shouldn’t have to be. Let us deal with the mortgage aspects to take the stress away, leaving you to focus more time on the move itself.
With the help of a Mortgage Broker in Birmingham by your side, our job is to equip you with the best mortgage advice possible to get the most out of your Moving Home journey.
To start your mortgage journey and to find out what sort of mortgage rates you may be able to qualify for, get in touch and receive your free Moving Home mortgage consultation today.
If you are thinking about Moving Home in Birmingham, to get ahead of the game and find out the maximum amount you can borrow for your new mortgage on your new home, you should get in touch with our Mortgage Broker in Birmingham. We have been working in the mortgage industry for over 20 years now and know precisely how to help Home Movers just like yourself.
We have access to 1000’s of Moving Home mortgage products; a Moving Home Mortgage Advisor in Birmingham will try and find the perfect one for you!
Over our two decades of experience working within the mortgage industry, we have come across almost every single Moving Home mortgage scenario. There are lots of different reasons why someone may want to Move Home in Birmingham and get a new mortgage deal, some examples include:
Whether you are relocating to Birmingham or looking to move within the West Midlands, our team of experienced Mortgage Advisors in Birmingham have helped many moving home customers achieve their goals. Here we listed several popular scenarios that our team have faced.
If you are looking for expert Mortgage Advice in Birmingham, we recommend contacting us early in the process. We can indicate the maximum amount you would be able to borrow, at what interest rates, and what your monthly repayments will be.
During your Free Mortgage Consultation, your advisor will search 1000’s of deals to find you the most suitable for your circumstances. If you are happy to proceed with our recommendation, we can get you a mortgage agreement in principle. With your mortgage agreement in principle (AIP) now obtained, you will be ready and able to back up any offers you would like to make on your ongoing property purchase in Birmingham.
This is excellent news! Your next step will be to get back in touch with your Mortgage Advisor in Birmingham. They will be able to progress your mortgage application. We can also help with the types of property surveys and recommend a conveyancing solicitor.
There are many reasons why your Bank or Building Society may decline your mortgage application. Maybe your credit score was too low, or they will not lend you enough for what you hope to achieve. Whatever the reason, it is still worth speaking to a Mortgage Broker in Birmingham like ourselves to see if we can find you a suitable lender for what you hope to achieve.
Again, this will always come down to your circumstances and your credit file. But We work with a large panel of lenders who offer specialist products tailored to clients who may have had previous credit issues in the past. Our Mortgage Advisors in Birmingham have a vast knowledge of these products and their criteria.
If you do not fall into any of these categories, then please get in touch. There is rarely a situation that we haven’t come across, and our team will be happy to assist you.
Our Mortgage Advisors in Birmingham, make sure that every customer is taken care of from the start to the finish of their mortgage application. We want you to feel comfortable and secure during every step of the mortgage process, we always aim to go above and beyond so that you get the best mortgage advice service possible:
Hearing back from our customers and seeing how much of a positive impact our mortgage advice had on their application always cheers us up. We aim to be Open and Honest with you at all times, we want the best for you at the end of the day. Check out our outstanding customer reviews to see what others think of our Mortgage Advice in Birmingham.
4.99 Rating67 Reviews
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...
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...
Anonymous
Incredibly helpful, supported throughout whole process
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.
Tyler
Had great help from both Joe and Chris and Chloe who were all friendly and always happy to help
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...
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...
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.
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
Abdassami
Second time with this broker and it's been an amazing experience. Would definitely recommend. Anna and Matt were brilliant.
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...
Asia
Great team - very good communication and very nice, helpful team that made it possible for me! Thank you for the great service.
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.
Kazim
That nice 😊
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...
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...
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...
Anonymous
Very good service, unbelievable fast to apply my mortgage. Thank you all of you.
Tyler
Aaron was both very friendly and helpful over the phone.
Samina
Dale was a Very lovely person to speak to. Gave all the best advise he can and was very polite. Made me reassured with a few problems I may have but gave me a few options around getting a mortgage
Your free mortgage consultation in Birmingham will last approximately 30 mins. 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
Our Mortgage Advisors in Birmingham recommend that you try and get your Agreement in Principle before you take up the decision of starting to view properties in Birmingham, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position with the seller.
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. If you need help obtaining one, our Mortgage Advisors in Birmingham can usually get one sorted for you within 24 hours of your application.
It can be possible to get a second mortgage on your home in Birmingham 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 may still be able to get a mortgage but you will likely need to put down a higher deposit than usual, perhaps 15% of the purchase price.
You can get a mortgage in Birmingham 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 in Birmingham typically lasts up to 30 mins or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes about three weeks on average. Before you know it, you will be moving into your new property in Birmingham!
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.
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.
