Business Details
Your Trusted Mortgage Broker in Birmingham
Birmingham Moneyman is a dedicated mortgage brokerage firm operating across Birmingham and surrounding areas. With a team of experienced advisors, we specialise in providing tailored mortgage solutions for first-time buyers, home movers, remortgagers, and investors. Our services extend to specialist mortgages for self-employed individuals, those with adverse credit histories, and retirement-age clients seeking equity release options. We pride ourselves on offering comprehensive advice through 7-day-a-week availability from 8am to 10pm, supported by advanced online tools including mortgage calculators and instant agreement-in-principle services.Our advisors maintain deep knowledge of local property markets while accessing thousands of mortgage products nationwide. We demonstrate expertise through detailed guidance on mortgage processes, protection insurance, and government schemes like the Mortgage Guarantee Scheme. As an FCA-authorised firm with company number 6789312, we uphold strict professional standards while maintaining transparency about fees, which typically amount to 495 or up to 1% of the loan value. Our commitment to client satisfaction is evidenced by our 4.98-star rating from 92 customer reviews.
Services
First Time Buyer Mortgages
Remortgage Advice
Buy to Let Mortgages
Equity Release
Self Employed Mortgages
Bad Credit Mortgages
Retirement Mortgages
Lifetime Mortgages
Mortgage Protection
Mortgage Calculators
Highlights and features
- We offer 7 days a week mortgage advice from 8am to 10pm
- Our team has access to 1000s of mortgage products nationwide
- We provide instant agreement in principle within 24 hours
- Our advisors specialise in complex cases including adverse credit
- We offer free 24/7 mortgage monitoring service
Associations and certifications
- Financial Conduct Authority
What people say
Very informative
Fantastic service
Supportive staff
Knowledgeable advisors
Stress-free process
Services
First Time Buyer Mortgages
Specialist mortgage solutions for first-time property purchasers. We help clients navigate government schemes like the Mortgage Guarantee Scheme and Shared Ownership programmes. Our advisors provide comprehensive guidance on deposit requirements, affordability assessments, and application processes. We can arrange agreement-in-principle decisions within 24 hours to support property searches.
Remortgage Advice
Expert guidance for homeowners seeking better mortgage terms. We analyse existing deals, compare thousands of market options, and manage the entire remortgaging process. Our service includes advice on fixed-rate vs variable-rate options and assistance with porting existing mortgages to new properties.
Equity Release
Regulated equity release solutions for homeowners aged 55+. We offer FCA-approved lifetime mortgages and home reversion plans that comply with Equity Release Council standards. Our advisors provide detailed explanations of interest accrual, inheritance implications, and no-negative-equity guarantees.
Buy to Let Mortgages
Specialist financing for property investors. We access competitive buy-to-let mortgage products with appropriate stress-testing for rental income coverage. Our service includes advice on consent-to-let arrangements and full buy-to-let mortgage remortgaging options.
Self Employed Mortgages
Tailored mortgage solutions for self-employed individuals. We work with lenders that specialise in assessing non-standard income structures, including sole traders, limited company directors, and partnership arrangements. Our advisors help prepare appropriate documentation for mortgage applications.
Questions
What mortgage options are available for first-time buyers?
We offer first-time buyer mortgages with 5% deposits through schemes like the Mortgage Guarantee Scheme. Our advisors help with government-backed options including Shared Ownership and Lifetime ISAs.
Can I get a mortgage with bad credit history?
Yes, we work with specialist lenders offering mortgages for adverse credit situations. Our advisors assess your specific circumstances and recommend appropriate deposit levels and lenders.
What documents do I need for a mortgage application?
Typical requirements include ID, proof of address, 3 months' bank statements, and income verification. Self-employed applicants need SA302 forms and tax returns.
How does equity release work?
Equity release allows homeowners aged 55+ to access property wealth without monthly repayments. We offer FCA-regulated lifetime mortgages with no-negative-equity guarantees through Equity Release Council members.
Can I remortgage my property?
Yes, we help clients remortgage to better rates or release equity. Our service includes market comparisons, application management, and advice on exit fees from existing mortgages.
What protection insurance options exist with mortgages?
We advise on life insurance, critical illness cover, income protection, and family income benefit policies to protect mortgage commitments against unforeseen circumstances.
