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Specialist Mortgage Advice in Birmingham

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Declined by the Bank? We Might be Able to Help!

Getting a mortgage might require you to think outside the box to achieve the best result; having a Specialist Mortgage Broker in Birmingham on your side will prove invaluable. Frequently, customers that contact us have previously applied to get a mortgage with their bank or through an estate agent and have been rejected.

 

As a Mortgage Advisor 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.

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Specialist Mortgage Advice in Birmingham

When a customer is seeking the best Specialist Mortgage Advice in Birmingham, we often get approached by many who are after our guidance and advice on various topics seeking guidance. Whatever your situation, we’ll try our best to find the most fitting solution for your circumstances.

Frequent topics we’ve encountered include:

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

The above list is just a brief overview of what customers have contacted us about in the past. There may be a situation you’re in that isn’t on our list, in which case please 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.
  • 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.
  • We offer you help and support throughout the whole process.
  • Mortgage appointments are available daytimes, evenings or weekends.

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

We recommend you obtain an Agreement in Principle before you start viewing properties in Birmingham, 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.

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 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.

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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