With over 100 years of combined experience, we are a very knowledgeable and experienced team of advisors in Birmingham, Tamworth and Worcester. Whatever your situation, we would love to have a chat. None of us in the office could rewire a house or plumb a boiler in, so we don’t expect you to come to us, knowing all about mortgages. That’s what we do, no question is too daft.
From our offices in the centre of Birmingham and the heart of Tamworth we are able to advise you wherever you are in England, Scotland or Wales. It could be you wish to deal with us via Teams and Zoom, then no problem, prefer a phone call, this can be arranged or if you’d rather the old-fashioned way of face to face, well you are more than welcome to drop in for a coffee or if you prefer we can drink yours.
We are an extremely down to earth bunch, so feel free to drop us a line and see how we can help you with your mortgage or protection needs.
Getting on the ladder is harder than it looks from the outside. Deposits, affordability rules, credit checks and schemes that change every year. We explain what you can realistically borrow, what lenders will ask for, and what to sort out before you apply.
Moving brings decisions you did not have to make first time round. Whether to port your existing deal, how much extra you can borrow, what happens if the chain moves. We handle the awkward parts so the move itself stays the focus.
If your rate is ending in the next six months, now is the time to look. We review what you are on, compare what is available, and manage the switch. Most clients find it takes far less effort than they expected.
One of the most common reasons people come to us. Lenders assess self-employed income in very different ways, and the right adviser knows which ones will take your figures as they stand rather than making you wait another year.
Credit issues, unusual properties, multiple income sources, later-life borrowing. Straightforward cases rarely need a broker. Ours is the sort of help that earns its keep when things are complicated.
We start by understanding your situation rather than quoting rates at you. Around thirty minutes, no charge, no obligation.
We look across a comprehensive range of products from High Street lenders and specialist lenders not available direct, then explain which suit you and why.
Paperwork, lender queries, chasing progress. You deal with one person who knows your case.
We contact you before your rate expires, so you are not rolled onto something worse by default.
Our Birmingham office covers the city and surrounding areas, with further offices in Tamworth and Worcester. As an established mortgage broker with twenty years behind us, we work with clients across Solihull, Sutton Coldfield, Stafford and the wider West Midlands.
Would you like to speak to one of our advisors over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.
For Businesses: Do you have questions about how our advisors can help your company? Send Amanda an email and she will get in touch or phone 0121 448 0161 between 09:00 and 17:00 on Monday to Friday and she will be delighted to have a chat with you.
Note: Your details are kept strictly confidential as per our Privacy Policy. A link to this can be found in the footer. By submitting your information you agree that you have read this and that you agree to its contents.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Got a question that we haven’t answered? Not a problem, fill out our easy to use Contact Us form, drop us an e-mail or give us call. Our Birmingham office is available on 0121 448 0161 and our Tamworth office is available on 01827 230 760. Rest assured you don’t just have to be based in those areas of the country for us to assist you though, we’ve already helped clients across the country.
Most lenders work to around four to four and a half times your income, though it varies by lender and circumstances. Affordability matters as much as income, so existing credit commitments, childcare and other regular outgoings all feed into it. We could give you a realistic figure in one conversation rather than leaving you to guess.
Offer usually comes within two to four weeks of applying, though it depends on the lender and how quickly the valuation is booked. Complex cases take longer. Having your paperwork ready before you apply is the single biggest thing that speeds it up.
Five per cent is the usual minimum for a residential purchase, though ten per cent or more opens up better rates. Buy-to-let typically needs twenty-five per cent. The larger your deposit, the lower the rate you could access.
Yes. Lenders assess self-employed income in very different ways, and some are considerably more flexible than others. Most want two years of accounts, though options exist with one. This is the sort of case where knowing which lender to approach matters most.
We charge a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £149 to £750 and this will be discussed and agreed with you at the earliest opportunity. The initial conversation is free.
Start looking around six months before it ends. Rates can often be secured in advance, so you have something in place if the market moves. Doing nothing means rolling onto the lender's standard variable rate, which is usually more expensive.
It is not a legal requirement for most mortgages, though buildings insurance usually is. Protection is worth considering alongside the mortgage rather than as an afterthought, and we could advise on both.
