Business Details
Trusted Mortgage Brokers in Birmingham
RM Mortgage Solutions has been providing independent mortgage advisory services in the Birmingham area for over three decades. As a firm regulated by the Financial Conduct Authority, we offer whole-of-market advice tailored to individual client needs, covering residential, buy-to-let, and commercial mortgages alongside protection products. Our experienced advisors combine market expertise with exclusive deals to deliver stress-free solutions, managing applications from initial consultation through to completion.We maintain ongoing client relationships through regular reviews and transparent communication, prioritising long-term satisfaction over transactional interactions. Our team's extensive knowledge spans niche areas including contractor mortgages, adverse credit cases, and limited company structures, ensuring comprehensive support for non-standard borrowers.
Services
First Time Buyer Mortgages
Buy-to-Let Mortgages
Remortgage Solutions
Bad Credit Mortgages
Commercial Mortgages
Equity Release
Contractor Mortgages
Lifetime Mortgages
Bridging Finance
Highlights and features
- We have over 30 years of combined experience in mortgage advisory services
- We offer whole-of-market access to 90% of UK mortgage lenders
- We provide exclusive market-leading mortgage deals unavailable on the high street
- Our FCA-regulated advisors specialise in complex cases including adverse credit mortgages
- We manage applications from initial consultation through to completion
Associations and certifications
- Financial Conduct Authority
What people say
Absolute legend
Top notch support
Fantastic deal
Professional expertise
Stress-free process
Services
First Time Buyer Mortgages
Specialist guidance for first-time property purchasers navigating the mortgage process. Our advisors explain all available options including government schemes and exclusive deals. We simplify complex terminology and manage paperwork to ensure a smooth transition onto the property ladder.
Buy-to-Let Mortgages
Tailored financing solutions for property investors seeking buy-to-let opportunities. We assess rental coverage requirements and recommend appropriate lenders. Our service includes portfolio management strategies and remortgage options to expand property holdings.
Remortgage Solutions
Expert advice on securing better mortgage terms through remortgaging. We analyse current deals against market offerings, considering early repayment penalties and potential savings. Our team manages the entire transition process for seamless switching.
Bad Credit Mortgages
Specialist mortgage options for applicants with imperfect credit histories. We work with niche lenders offering competitive rates for those with CCJs, defaults, or bankruptcy history. Our advisors provide practical steps to improve mortgage eligibility.
Commercial Mortgages
Financing solutions for commercial property acquisitions including offices, retail units, and industrial premises. We connect business owners with appropriate lenders and structure deals considering complex affordability calculations for commercial ventures.
People
Richard Moring
Director
With over 30 years' experience in mortgage advisory services, Richard established RM Mortgage Solutions to provide transparent, client-focused financial solutions across the West Midlands region.
Chris
Senior Mortgage Advisor
Experienced mortgage advisor specialising in complex cases including adverse credit mortgages and contractor financing. Recognised for exceptional client service and successful deal completions across multiple market cycles.
Questions
What types of mortgages do you offer?
We provide first-time buyer, buy-to-let, remortgage, commercial, and adverse credit mortgages, along with equity release options and specialist products for contractors.
Can I get a mortgage with bad credit?
Yes, we work with specialist lenders offering competitive rates for applicants with CCJs, defaults, or bankruptcy history, providing practical pathways to homeownership.
How much can I borrow for a mortgage?
Borrowing capacity depends on income, expenditure, and credit history. Our advanced software provides accurate affordability assessments across multiple lenders.
Do you offer first-time buyer incentives?
While government schemes are limited, we access lenders accepting Lifetime ISAs and advise on current stamp duty relief options for first-time property purchasers.
How long does mortgage approval take?
Most approvals occur within 2-4 weeks, though complex cases may take longer. Our team expedites processes through direct lender relationships and proactive application management.
What documents are required for a mortgage application?
Standard requirements include ID, proof of address, income verification (payslips/tax calculations), and 3 months' bank statements, with additional documentation for self-employed applicants.
