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Remortgage Advice in Birmingham

Get your free remortgage consultation 7 days a week

0121 595 0187

Let us find you the perfect Remortgage!

Are you looking for Remortgage Advice in Birmingham? Whether this is to find a better rate, release equity for home improvements or consolidate unsecured debt. Our experienced mortgage advisors are ready to answer all your Remortgage questions and search 1000s of products, to find you the best deal for your circumstances.

 

We are completely Open & Honest with our mortgage advice in Birmingham, if we can’t find you a better deal, or if the best solution is to stay with your current lender, then we will be sure to let you know.

How does it work?Get a quote now

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As an experienced Mortgage Broker in Birmingham

We have come across most Remortgage situations, we have listed some of the popular ones below:

  • Is your current fixed-rate mortgage coming to an end and you are looking for a better rate?
  • Would you like to raise capital for a large purchase i.e. Home improvements 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 separation)
  • Debt Consolidation – To explore the costs of combining unsecured debts on credit cards, loans, hp etc. On to your mortgage. It is very important that you seek advice from an experienced mortgage advisor in Birmingham when looking to secure debts against your home. As it is our duty to make you aware of the risks involved in carrying out debt consolidation.
  • Declined by your current provider as your credit profile has changed since taking out your current mortgage deal, or your current provider will not lend enough.
  • Have a complex Remortgage situation and are in need of help?

Whatever your Remortgage requirements, our experienced Mortgage Advisors will help find you the best solution for your personal circumstances.

 

Contact us today to book your free Remortgage consultation in Birmingham.

Free Remortgage Consultation

We offer all our customers a free Remortgage consultation. We understand the busy lifestyles of today that is why our free Remortgage consultations with your Mortgage Advisor in Birmingham are available daytimes, evenings or weekends. Furthermore, these can be carried out over the telephone or face to face in the comfort of your own home, you choose.

 

Our mortgage advisors have a wealth of knowledge when it comes to helping customers Remortgage. Whether you are looking to release equity or secure a better rate, we are ready to help you find the perfect Remortgage deal.

 

Unlike your bank, we are able to search through 1000s of Remortgage products to find you the best deal for your individual circumstances.

 

We really do love what we do here at Birminghammoneyman, and this really shows through in our genuine customer reviews.

 

Please contact us to book your free Remortgage consultation.

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.

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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 for Remortgaging.

Step 2

We will search and compare 1000s of products to find you the best deal!

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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Birminghammoneyman - Eleven Brindley Place (2nd Floor), 2 Brunswick Square, Birmingham, B1 2LP

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