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Specialist Mortgage Advice in Birmingham

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Specialist Mortgage Advice in Birmingham

Navigate a complex mortgage scenario with ease. Specialist mortgage advice in Birmingham tailored for your individual financial situation.

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We look at solutions for specialist mortgages in Birmingham for complex situations.

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.

Our job is to work for you and find you the most suitable mortgage deal for your situation.

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Specialist Mortgage Advice in Birmingham

Our service may benefit you when looking for specialist mortgage advice in Birmingham.

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. Having a Mortgage Advisor in Birmingham on your side when you are looking to do something slightly unusual will most certainly prove to be highly beneficial to you.

What is bad credit for a mortgage in Birmingham?

Secure your financial future in Birmingham by managing your credit score effectively. Late payments can harm your rating and lead to a poor credit history. The severity of the impact depends on the number and nature of missed payments.

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FAQs for Specialist Mortgage Situations in Birmingham

Can I remove a CCJ from my credit file in Birmingham?

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When facing a County Court Judgment (CCJ), timely repayment is crucial. Settling the outstanding balance within 30 days allows the court to remove the CCJ from your credit file. However, failing to pay within the specified timeframe results in the CCJ remaining on your credit report for six years. Take control of your creditworthiness with proactive financial management in Birmingham.

When should debt consolidation in Birmingham be considered?

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Unlock the potential of your Birmingham home with remortgaging options tailored to your needs. Releasing equity through remortgaging is a popular choice among homeowners, providing access to capital for various purposes, from home improvements to assisting loved ones in their property journey.

If you find yourself in a challenging financial situation and have explored all other avenues, debt consolidation in Birmingham might be worth considering. While it’s a decision that requires careful consideration, remortgaging to consolidate debt can help streamline your monthly expenses into a more manageable payment.

With our transparent and comprehensive mortgage advice service in Birmingham, we will assess your individual circumstances and guide you in determining whether debt consolidation is the right choice for you.

It’s important to exercise caution when securing additional debts against your home. By incorporating unsecured debts into your mortgage, which is secured against your home, failure to meet the necessary repayments could put your home at risk.

Although the total monthly cost of servicing your debt may decrease, the overall repayment cost may increase due to the extended duration of your mortgage compared to the original debts.

Do you require a specialist mortgage advisor in Birmingham?

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Discover the expertise of Birminghammoneyman, where our dedicated mortgage advisors in Birmingham have exclusive access to a diverse range of specialist deals. Each lender follows unique mortgage lending criteria, and our advisors can skilfully navigate these options to find the most suitable deal for you.

Rely on our knowledgeable team of mortgage advisors in Birmingham to provide personalized recommendations based on your specific financial circumstances. We understand the importance of finding the perfect mortgage deal tailored to your needs.

If concerns about your credit score weigh on your mind, obtaining an up-to-date copy of your credit report is essential. During your complimentary initial mortgage appointment, we can leverage this information to gain a deeper understanding of your situation and explore how we can assist you in achieving your mortgage aspirations.

What are some complex mortgage situations in Birmingham?

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At Birminghammoneyman, it’s not uncommon for us to receive calls from individuals who have previously been declined by high street banks for various reasons. Often, these issues could have been identified early in the process by the bank’s mortgage advisor.

We understand that navigating the mortgage landscape can be challenging. Our customers have faced the unfortunate consequence of losing money and even their property due to such mistakes, leading to stress and frustration. Without complete certainty regarding the lending criteria before submitting your application, you run the risk of jeopardizing your chances of securing a mortgage altogether.

Rest assured, our team possesses extensive experience in assisting clients with complex situations. We welcome the opportunity to hear from you and provide our expertise. Contact Birminghammoneyman, your dedicated specialist mortgage broker in Birmingham, and let us guide you through the process with confidence.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

Discuss the challenges you are currently faced with and what you are looking to achieve with a trusted mortgage advisor in Birmingham.

During your free mortgage appointment with a mortgage advisor in Birmingham, you will need to provide information about your income and expenses to determine your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you.

Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.

Submit Your Mortgage Application

Step 3

Once you accept a purchase offer, your mortgage advisor in Birmingham will proceed to submit your full mortgage application and relevant evidence documents.

Throughout the process, your dedicated case manager will keep you informed until you receive your mortgage offer and complete your purchase.

Protecting You and Your Mortgage

Step 4

Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.

We will contact you again when your mortgage is due for renewal to ensure that you are still on the most favorable deals.

Reasons to Choose us

Free Mortgage Appointment

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We have a reputation for providing expert, fast & friendly Mortgage Advice in Birmingham, and we will be by the entire of your mortgage process. Don’t hesitate; get in touch with us and get yourself booked for your free initial mortgage appointment to speak to an expert Mortgage Advisor in Birmingham today.

1000s of Deals

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We’ll be here to answer all your questions throughout the whole process. Our goal is to help you achieve your mortgage needs by providing a high standard of Mortgage Advice in Birmingham.

We hope you end up with what you expected to achieve at the end of the process and go into your new home with a suitable mortgage deal that matches your personal and financial situation.

Our Service

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Our trusted team of Mortgage Advisors in Birmingham can use the extensive knowledge and experience that we have gathered over two decades of working in the industry to recommend to our customers the most suitable mortgage deal for their current circumstances.

If you are concerned about your credit score, you should look to obtain an up-to-date copy of your credit report. You will receive the benefits from this when it comes to your free initial mortgage appointment, as having this will give the advisor a better idea of your current situation, what you would hope to achieve and the sort of deals available for yourself.

7 Days a Week

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Our dedicated mortgage advice team in Birmingham will always aim to give you the best service we can, ensuring you remain informed throughout the entire mortgage process and that you’re given a responsive service and that our service is tailored to your needs.

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

We Search 1000s of Specialist Mortgage Deals in Birmingham

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Specialist Mortgage Scenarios in Birmingham

An In-Depth Look at Specialist Mortgage Scenarios

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As a trusted and experienced mortgage advice in Birmingham, we have spoken with many different customers over the years, all with varying mortgage scenarios.

When a mortgage applicant is going through a tough time with their mortgage and finds it challenging to get accepted by a lender, we will always be ready and willing to help them with open arms.

Property Down Valuation

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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

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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

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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 your and your ex-partner’s ability to be financially stable with one set of income.

Single Name Mortgages for Married Applicants

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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

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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 of the property. You will also pay the building society rent on the remaining share.

Professional Mortgages

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Professional mortgages are only accessible to certain professions. This is a niche market; therefore, it is best to speak to a expert mortgage advisors in Birmingham for further information.

Second Home Mortgages

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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

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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

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New builds can often be more expensive than 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

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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 Occupation Mortgages

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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

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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.

To learn more about this type of mortgage, speak with a specialist Later Life Mortgage Advisor in Birmingham.

Offset Mortgages

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

Free Mortgage Guides & Birminghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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