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Specialist Mortgage Advice in Birmingham

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Have you been declined by the bank? Our mortgage advisors may be able to help!

If you have been facing credit problems or are in a particularly complicated situation, getting a mortgage might require you to think outside the box to achieve the desired result. Having a Specialist Mortgage Broker in Birmingham on your side will prove invaluable during a time like this. We hear on a regular basis from customers who get in touch, that they are in a position where they have previously applied to get a mortgage with their bank or through an estate agent, and have been rejected.

 

As experienced Mortgage Advisors in Birmingham, we believe the services we provide will be incredibly beneficial to you and your mortgage journey. We are aware of all the mortgage schemes and products available, and will be happy to discuss these in detail with you.

 

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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Specialist Mortgage Advice in Birmingham

We often get approached by different customers who are in need of guidance and Specialist Mortgage Advice in Birmingham on various topics. Whatever your situation, we’ll try our best to find the most fitting solution for your personal & financial circumstances.

Frequent topics we’ve encountered include:

  • Marital status i.e. married buying in sole name, divorce, separation.
  • Income mix, i.e. salary, dividend, benefits, drawings, net profit etc.
  • Buying from or with a family member.
  • Credit score troubles?
  • Buying directly from your landlord.

The above list is just a general look at the different types of mortgage process challenges that customers have contacted us about in the past. There may be a situation you’re in that isn’t on our list, but worry not as we will still be able to use our knowledge and experience to try and find you a solution. Please do still get in touch, as we’d still love to help you through the mortgage process.

 

Contact us to book your free specialist mortgage consultation

In need of a Specialist Mortgage Advisor in Birmingham?

  • We’re open and honest with our customers.
  • Also, we offer our customers a free mortgage consultation.
  • We offer you help and support throughout the whole process.
  • Mortgage appointments are available daytimes, evenings or weekends.
  • Our Mortgage Advisors in Birmingham is fully equipped and able to handle complicated situations on a regular basis.
  • We have special connections with specialist mortgage lenders to find you the best deal.
  • We know our criteria and very experienced in mortgages.
  • Please read our reviews from our amazing customers at Reviews.co.uk.

What our customers say

Common mortgage
questions

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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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
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