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Specialist Mortgage Advice in Birmingham

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Mortgage Specialists in Birmingham

Struggling to get by a step in your mortgage process? We may be able to help!

Over our 20+ years of working within the industry, we’ve encountered many different mortgage scenarios and have helped 1000s of struggling applicants overcome their difficult mortgage situations.


Sometimes it just takes a helping hand from a mortgage specialist to get you over your mortgage hurdles! Now that it’s never been easier to book a mortgage appointment with a mortgage advisor in Birmingham, you should get in touch right away.

We can Search 1000s of Deals

We have over 30+ lenders on our panel

If you are struggling to access the premium rates that high street lenders are offering, you may need to start looking for specialist products.


On our panel, we have many different specialist lenders. It’s our job to search through their deals and see whether you match any of their products. Some may be more specialist than others, e.g., one could target applicants with a CCJ whereas one may focus their attention on applicants who just have a low credit score.


As your mortgage broker in Birmingham, we will try our best to find you a mortgage. We will search for one that is suited to your personal and financial situation.


How does it work?Get a quote nowMeet your advisor

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

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A deeper look into specialist mortgage scenarios…

When an applicant is facing a tough mortgage scenario and is struggling to get accepted by a lender, we will always reach out in open arms offering our help.


As a mortgage broker in Birmingham, we come across a lot of different specialist mortgage situations. Here is a deeper look into some of these scenarios:


Property Down Valuation

If you’ve had a property survey carried out on your home and it turns out that your offer that’s been accepted is above the actual value of the property, this is called a Property Down Valuation. In this situation, it’s very likely that your lender is going to pull out of the deal unless you can make up the difference between your offer and the true property value.


Divorce & Separation Mortgage Advice

When going through a divorce or separation, if you are tied into a mortgage together, it is important that you sort things sooner rather than later. Financially, things can get complicated quickly if they’re not dealt with.


Remove a person from a Mortgage

Moreover, if you are going through a divorce or separation, you may want to look at getting your name or your ex-partner’s name removed from a mortgage.


What you can and cannot do will depend on yours and your ex-partners ability to be financially stable with one set of income.


Single Name Mortgages for Married Applicants

If you’re married and looking to get a mortgage on a home that you and your partner will live in, some lenders would rather have both applicants named on the mortgage, though it is still possible to get a mortgage in a sole name.


Shared Ownership

The Shared Ownership scheme allows applicants to take out a mortgage on a percentage of a property (usually between 25%-75%). This means that you own a share in the property. You will also pay the building society rent on the remaining share.


Professional Mortgages

Professional mortgages are only accessible to certain professions. This is a niche market; therefore, it is best to speak to an expert. Contact us for further information.


Second Home Mortgages

If you are planning to take out a mortgage on a second home, you will need to provide evidence that you can afford both sets of mortgage payments. We can help you do this.


Holiday Home/Let Mortgages

Taking out a holiday works in a similar way to buy to let, however, you won’t have a permanent tenant, therefore, lenders need to be sure that you’ll be able to cover the costs when no one is staying there.


New Build Mortgages

New builds can often be more expensive that older properties. If you’re struggling to save up for a deposit, you could try using the Help to Buy Equity Loan scheme.


Non-Standard Construction Property Mortgages

A ‘non-standard’ property is simply a property that isn’t built out of brick and mortar. You will need to try and take out a specialist mortgage product if you’re wanting to buy a non-standard construction property. We also advise that you get a full structural property survey if you’re buying a property like this.


Multiple Applicant/House of Multiple Ownership Mortgages

HMO mortgages are buy to lets with 4-6 tenants, one example would be a university house. HMOs are very complicated. We would recommend that you speak with a buy to let mortgage advisor in Birmingham if HMOs interest you.


Mortgages Past Retirement Date/Lifetime Mortgages

You can release the equity that you’ve built up in your home and turn it into cash through a lifetime mortgage. We would recommend seeking specialist help if this is something that you’re looking to do.


Offset Mortgages

Offset mortgages links your savings to your mortgage. Taking one out could potentially help you access competitive interest rates and products.

In need of a Specialist Mortgage Advisor in Birmingham?

A mortgage broker in Birmingham like us works solely for you. We know exactly what it’s like to be stuck in a sticky mortgage situation.


Here are some reasons why Birminghammoneyman could be the best mortgage broker for you:


  • We’re open and honest with you – completely transparent. We will look for deals that will save you time and money, not us!
  • We offer a free mortgage appointment to every customer. You can easily book this yourself by using our simple book online feature.
  • A mortgage advisor in Birmingham will be right by your side through the whole mortgage process. You’ll know exactly who you’re dealing with at all times.
  • There’s availability on weekdays and weekends. We’re open 7 days a week!
  • Our mortgage advisors in Birmingham are experienced in every mortgage field, there’s rarely an option that we won’t have come across before.
  • We have access to 1000s of mortgage products; both from high street and specialist lenders.
  • Please read our reviews from our amazing customers.

Book your own mortgage appointment today. Use online and speak directly to a mortgage expert.


What our customers say

Common mortgage

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

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 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. Before you know it, you will be moving into your new property in Birmingham!

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 in Birmingham!

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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