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Specialist mortgage advice in Birmingham

Get your free consultation 7 days a week

0121 595 0187

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

If your situation is complex or ‘out of the ordinary’, having a Specialist Mortgage Broker on your side will prove invaluable. Frequently, customers that contact us have previously tried to get a mortgage with a bank or estate agent and been declined. We’re always happy to help them.

How does it work?Get a quote now

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We work from a large mortgage panel consisting of both specialist and high street mortgage lenders.

We will listen to your individual requirements in order to recommend the right product for you. Our Open & Honest Mortgage Advisors will be happy to assist you.

We receive calls on a daily basis from customers who have been let down by their Bank or Estate Agency Mortgage Advisor, often at the last minute.

These people are usually weeks into the mortgage application process and then get declined for one reason or another. In most cases, the problem should have been picked up by the Mortgage Advisor at the outset!

This can be a very stressful and costly time and may result in the loss of a property.

You’re in safe hands with our team!

Our Experienced Mortgage Advisors are here to help.  They have in-depth knowledge of lending criteria and will usually be able to find you a mortgage deal.

We’ll help and support you anytime you need us, 7 days a week! The home buying 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.

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

Mortgage Advice is available morning, afternoon, evening or weekend – whichever one fits best 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.

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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.

© 2020 Birmingham Moneyman

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