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Remortgage advice in Birmingham

Get your free consultation 7 days a week

0121 595 0187

We search 1000’s of remortgage deals
to save you money!

We’ll be here to support you throughout the whole remortgage process, talk you through what happens and when and always be at the other end of the phone when you need us.  Often, when remortgaging, things don’t always go to plan that’s why having a Remortgage Expert on your side will prove invaluable.

How does it work?Get a quote now

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Saving money with a Remortgage to a better product.

Capital raising for large purchases i.e. a home improvement or wedding etc.

Wanting to fix your monthly mortgage payment to protect against interest rate increases.

To remove a name from a mortgage. This is rather common in marital separations.

Debt consolidation. To explore the cost of combining unsecured debts on credit cards, loans, hp etc on to your mortgage. Important, it’s our duty to advise you of the risks involved with securing unsecured lending against your home.

Been declined? Whether you have a poor credit score, the bank won’t lend enough, you have a mixture of income, not fitting your banks lending criteria etc.

Have a complex remortgage situation and are in need of help?

We’ll help and support you anytime you need us, 7 days a week! The remortgage process isn’t always easy, we’ll help you over any hurdles you face.

We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress, and be here to answer any questions 7 days a week.

Please read our genuine customer Reviews at Reviews.co.uk. Your service is really important to us!

Mortgage Advice is available mornings, afternoons, evenings and weekends – whichever one fits with your work and family.  It’s the same service either way!

We’re not like a bank – We’re able to search 1000’s of mortgage deals in order to recommend the best one for you!

We’ll help you with any existing mortgages and properties in the background, and the options available with these if required.

What our happy customers say

Common mortgage
questions

Your free consultation lasts approximately one hour and it can be carried out over the phone or face to face. 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.

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 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.

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.

The amount you can borrow is dictated by how much you earn, your monthly expenditure and the length of the mortgage term. We can give you an indication of the maximum mortgage available during our free initial consultation.

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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.

Handy quick links

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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