1. Sutton Coldfield Mortgage Solutions
We know that figuring out the intricacies of the mortgage world can be daunting. Sutton Coldfield Mortgage Solutions makes it easy for you. They offer personalized advice that addresses your unique financial situation and life goals.
Their team has more than 100 years’ combined experience in financial services, providing deep expertise. Their independent professional mortgage advisor is fully qualified and prides himself on giving you independent, honest and professional advice. That way, you know you’re getting the absolute best deal.
Director Richard Moring, also an expert mortgage advisor, truly understands the importance of finding your dream home and works diligently to help you achieve it.
Whole-of-market access
One of the standout features of Sutton Coldfield Mortgage Solutions is their whole-of-market access. This means that you receive an all-around picture of the mortgage market, which brings you the most opportunity to find the best deal.
Their commitment doesn’t end there. Their dedicated team consistently works to make sure each and every client is provided with the focused attention and guidance needed to thrive. This commitment brings with it 360-degree reassurance that you are in the care of a highly regulated team.
The average typical fee in the UK is about £500. Further adding to this overall convenience, there is also a commission rate of 0.35% depending on the loan size. This is a great rate industry-wide and is in line with Sutton Coldfield Mortgage Solutions.
That transparency removes any future surprise that may come. It allows you to focus on what’s really important: getting the right mortgage for your new home.
2. The Mortgage Advice Bureau
For us, Mortgage Advice Bureau was a clear winner as Sutton Coldfield’s best independent mortgage broker. Their unmatched reputation and industry leadership in Birmingham and the region helped differentiate them from their competitors. Even one missed payment can put a homeowner at risk of repossession. This is where their expertise really comes into play.
Their team of experienced and knowledgeable mortgage advisors offers expert advice and guidance. They can assist whether you’re looking for residential or buy-to-let mortgage options. With more than 200 national awards behind us, the Mortgage Advice Bureau are without a doubt market leaders in providing quality advice and service.
This prestigious honour is a testament to their focus on quality, putting them on the cutting edge as a long-time popular and trusted choice. Their variety of mortgage products and services are top notch. They can tailor solutions to suit each and every customer’s needs, no matter if you’re a first-time buyer or want to grow your property portfolio.
With a customer satisfaction rate of 96%, they’re serious about providing a top notch customer experience. This commitment to service means that customers can rest easy with Coastal. Mortgage Advice Bureau is an accredited member of the Financial Services Compensation Scheme (FSCS).
This relationship gives you an additional measure of protection. This fund insures consumers should the company head towards bankruptcy. It provides a second layer of comfort for them. Their award-winning service, knowledgeable team of experts and dedication to customer success make them stand out.
They help them thrive amidst stiff competition in today’s mortgage market.
3. TMA Mortgage Services
Number four on our list is TMA Mortgage Services. This rockstar business in Sutton Coldfield has a long established pedigree in the financial services sector. Boasting more than 100 years of expertise, this fully regulated crew distinguishes itself as an industry leader.
They offer customised, holistic guidance that serves each individual client’s best interests. Unlike most brokers, they don’t just plug details into a formula. In this manner, they make sure that the advice they give closely matches your unique objectives.
TMA Mortgage Services is a full-service independent mortgage broker. This independence grants them the ability to offer access to the whole market without being beholden to any one lender. This newfound independence is a real game changer. It allows them to provide truly independent advice and explore a wider variety of mortgage solutions that suit a borrower’s needs.
They show that they care about their customers. Their general duty of care means that providing quality advice needs to stay front and centre. Our team is packed with certified professionals, giving you peace of mind that you’ll be receiving the best guidance from the best in class.
Perhaps the most important benefit of working with TMA Mortgage Services is the peace of mind they provide. They maintain great relationships with banks. This gives them the leverage they need to negotiate better terms on your behalf, saving you thousands of pounds.
The average fee in the UK is £500 and commissions typically range from 0.25% to 0.75% of the loan size. Thanks to TMA’s specialized knowledge, your financial path can be paved with pleasant surprises!
Their good service isn’t restricted to only mortgages, either. They offer great tips on protecting your mortgage, personal safety, and home security. This guidance places clients in a position to make smart decisions across the board.
TMA’s website also features an incredibly strong online presence. It also provides useful tools like an online mortgage calculator and a stamp duty calculator so you can easily work out your likely monthly repayments.
4. Mortgage Shop Sutton Coldfield
It’s not just their competitive services that make Mortgage Shop Sutton Coldfield the best mortgage broker in Sutton Coldfield. At only £349, paid only on application, it’s an affordable option. This fee is much lower than the average fee across the UK of £500.
We boast unrivalled experience in Help to Buy and Shared Ownership schemes. You can trust us to provide the protection you need when buying new build properties. By partnering with you and collaborating with other developers, we cut out the delays and red tape, making the process easy on you.
Our offices are right off the High Street and are easy to get to. This exclusive position provides you with instant, preferential access to hundreds of mortgage lenders and financial protection services. Being an Appointed Representative of the Stonebridge Group, a leading mortgage and insurance network in the UK, means we have the backing of a well-established organisation.
You have the best options you’ve ever had. Whether you are purchasing a Sutton real estate investment property or selling your family residence, you can rely on us.
Lauren, our client adviser, is a terrific example of our commitment to personal service. Just the other week, she was meeting with clients looking to sell their late family home. This shows the variety of clients we’re prepared to serve.
We pride ourselves on proactive communication too. When NatWest became the first major bank to announce a rate hike, our adviser Mandy quickly communicated this to clients. She locked them in a lower rate by getting their application submitted for them first.
With only one point of contact, your experience is much easier, saving time and avoiding frustration. This unique, single-focus approach makes for a seamless application process from beginning to end.
Select Mortgage Shop Sutton Coldfield and you get more than a mortgage adviser. You get a committed partner with a proven passion for helping you accomplish your real estate vision.
5. Just Mortgages Sutton Coldfield
Just Mortgages Sutton Coldfield are the trusted option when looking for a local mortgage broker. The team at Birminghammoneyman, part of Just Mortgages, provided top-quality service, care, and understanding throughout the entire mortgage process. With more than 20 years behind them, they’re well-versed in all types of mortgage scenarios to get you through even the trickiest of circumstances.
If you are self-employed or looking for a buy-to-let mortgage, they offer those too. Their specialists offer personalized guidance and solutions, especially for those age 50+. Learning the local market is key. In Sutton Coldfield, 90% of lenders require a deposit of at least 5% of the property value when purchasing a property with a mortgage.
If your credit score isn’t great, a larger deposit of 10-15% may be required. There’s no better time to get an AIP than when you’re ready to submit an offer on a property, and having one in hand greatly strengthens your position. It’s an often overlooked but key step in the process and one that can help you gain the upper hand in competitive scenarios.
Flexibility is another big benefit when you team up with Birminghammoneyman. They’re open seven days a week, early mornings to late evenings, with appointments that work around your schedule. Now, you have the flexibility to get the support and guidance you want when and how it best fits your schedule.
This added flexibility goes a long way in making the mortgage process less daunting.
6. Home Loan Experts
Understanding the home buying process in Sutton Coldfield can be overwhelming, particularly for first-time buyers. With Home Loan Experts on your team, the process is much more seamless.
Wendy and Malcolm, two of the home loan specialists from Home Loan Experts, have been praised highly for their outstanding service. Thanks to their customers, they’ve been able to provide awesome support, taking a mountain of stress out of the home buying process.
One happy client told us that they would highly recommend these professionals for their friendly, informative, non-pushy attitude, especially for first-time buyers. They also flagged MoneyMan, another top-rated option for property market newbies.
One of the main advantages of dealing with Home Loan Experts is their independence. The team also understands that their clients lead hectic lives.
That’s why they’re open seven days a week, from early mornings to late nights, so you can get an appointment at a time that works for you. You can also arrange a free mortgage appointment at a time that suits you, including outside of normal 9-5 hours. This flexibility allows you to integrate the process into your hectic schedule!
Typical for most lenders in Sutton Coldfield, you’ll need a deposit of at least 5% of the property’s value to get a mortgage to buy your home. That’s also why getting expert help with this is so important.
Our Home Loan Experts are laser-focused on finding the best mortgage solutions for you. They leave no stone unturned before even considering equity release. Their process is very detailed and ensures that you have the most effective solution worked out specifically for you.
7. Premier Mortgage Services
When searching for a mortgage broker in Sutton Coldfield, Premier Mortgage Services offers a bespoke, personal service that can make all the difference. You are in great hands as they work to get a feel for your organisational needs and goals to create the best fit possible. They’ve also created a deep moat around their business in the local market.
Their scale allows them to offer you more choices, so you can find the right mortgage and the right lender for you. Whether you’re a first-time buyer or hoping to remortgage, their experience and passion stand out. They don’t rush you and will help break down complicated terms into easily understandable concepts, so you can make your best decision with complete confidence.
Located in beautiful downtown Portland, Premier Mortgage Services prides itself on having a team of caring professionals with decades of combined experience working for you. Their expertise around the mortgage landscape is second to none and they keep you plugged in with current market trends.
This allows you to reap the rewards of advice that is not only timely but also thought-provoking. Clients regularly compliment their friendly, easy-going style that helps make the often intimidating process fun and easy. Our focus is entirely on getting you the best deal possible.
We ensure you’re in the know every step of the way. This focus on the little things, along with a commitment to exceptional customer service, is what makes them stand out from the competition. Tangible evidence of their commitment can be found in the way they are willing to go above and beyond for their clients.
For example, one of our clients seeking a buy-to-let mortgage found their support incredibly helpful. The process was a seamless transaction. This type of commitment to the community and knowledge of the industry has resulted in Premier Mortgage Services being wildly successful as a word-of-mouth industry.
8. Your Mortgage Decisions
So when you’re searching for a mortgage broker in Sutton Coldfield, make sure you check out Your Mortgage Decisions. Working with a local mortgage broker is a smart move. They guide you through the process of choosing the right mortgage for you and handle all the back-and-forth with the mortgage lender.
Prior to selecting a broker, ensure that the broker is licensed to give mortgage counsel. View the Financial Services Register to verify. This step provides the assurance you need that you’re in good hands with a true industry expert.
In the UK, mortgage brokers are paid a flat fee of about £500. They further receive an average commission of 0.35% of the size of the loan, according to Unbiased. These numbers provide a general idea, so it’s always best to have a frank conversation about fees from the beginning.
Find a broker that’s knowledgeable on the market where you’re purchasing. Their local market knowledge can be invaluable to you. That know-how could come in handy when you need to understand various mortgage types, including fixed-rate, variable-rate, or interest-only mortgages.
Reading reviews and researching the reputation of Your Mortgage Decisions or any other lender will give you a good idea of their service quality. It’s always good to hear from clients who had a similar journey, as it helps prepare you and set realistic expectations.
If you’re thinking of remortgaging, you may be able to save money on your monthly bills. A mortgage calculator is a great way to see what your monthly repayments might look like. A stamp duty calculator will help you get a clearer picture of what your expenses will be.
9. The Mortgage Broker Group
The mortgage process doesn’t have to be intimidating. The Mortgage Broker Group makes it easy with their decades of experience and personable approach. Combined, they have more than 100 years of financial services industry experience. Their knowledge provides them with credibility, knowledge, and trustworthiness that few others can claim.
Each member of this team is a fully regulated professional expert. They offer all types of mortgages, remortgages, buy to let, commercial mortgages, and bridging finance. On top of that, they also offer valuable mortgage protection and personal protection advice to keep you protected in every way possible.
If you’re looking to buy newbuild property with an investment mortgage, The Mortgage Broker Group are the best. Their research is clearly designed to work hand-in-hand with developers. With their wealth of experience in Help to Buy and Shared Ownership schemes, they’re an ideal partner for first-time buyers.
Their whole-of-market mortgage advice means you’ll always pay the lowest amount possible and it is perfectly matched to your unique needs. Whether you prefer online, telephone, or face-to-face interactions, they put you in control of your finances, offering flexibility and convenience.
The Mortgage Broker Group is committed to providing the best customer service possible. Their dedication to their clients is evident with a perfect 5-star review score, consisting of 48 fantastic reviews. With an average commission rate of 0.35% on loan size, it’s clear they are committed to value and transparency.
If you’re looking for a firm that puts the peace of mind of their clients first, look no further than Sutton Coldfield’s favourite solicitors!
10. Sutton Coldfield Financial Advisors
When you’re finally ready to make your dream home yours, look to Sutton Coldfield Financial Advisers to help you get there. They’ve become the gold standard in the region. They’ve actually established a strong reputation in Birmingham.
With their whole-of-market access, you’ll have your choice of every mortgage option out there. It’s a fantastic way of approaching it for anyone who’s considering Help to Buy or Shared Ownership schemes. It’s of particular advantage if you’re looking at a new build property. Their experience is most evident in these fields.
They partner directly with developers to make sure you get the best mortgage options at your fingertips. That independence is what makes them so different from the rest. They’re not beholden to any banker.
This independence gives them the opportunity to shop around and find the right deal that meets your unique needs best. This independence, combined with their robust networks and relationships with lenders, usually leads to more favorable terms for you. They are also offered a greater variety of mortgage products.
Many of these choices aren’t open to the general public, which puts you at an exclusive advantage right from the start. Their service hasn’t stopped at just providing mortgages. They even provide guidance on transferring pensions, investments, and planning your inheritance.
This one-stop-shop service has received rave reviews for this personalised service, resulting in a 5-star rating on Google Maps. Clients consistently rave about their knowledge and personable attitude, which puts the process of getting a mortgage at a much less intimidating level.
When it comes to fees, they align well with the UK average. There is a fee of around £500 and a commission of 0.35% of the loan size, which is approximately £350 per £100k borrowed. Having visibility into the costs associated with the various services allows you to budget more effectively.
Frequently Asked Questions
What is the benefit of using an independent mortgage broker in Sutton Coldfield?
Only independent brokers can provide unbiased, third-party advice. They shop you around to dozens of lenders. That means you are going to get the perfect mortgage deal to suit your individual situation.
How do I choose the right mortgage broker in Sutton Coldfield?
Seek out experience, glowing references, and a proven track record. Look for their access to various lenders and their knowledge of your unique situation.
Are there any fees for using a mortgage broker?
Every mortgage broker will charge a fee, either upfront or when the mortgage is completed. We are an independent, advertising-supported comparison service. It’s really important to talk about fees up front.
How can Sutton Coldfield Mortgage Solutions help me?
They deliver the best possible mortgage solutions and advice tailored for each customer. Their local knowledge will guarantee you get the most suitable mortgage products in Sutton Coldfield.
What makes The Mortgage Advice Bureau stand out?
They build momentum by their good name and market access to all lenders. Their dedicated advisors work with you to find the best mortgage for your budget and needs.
Can TMA Mortgage Services help with remortgaging?
TMA Mortgage Services are remortgaging specialists. They save clients time by getting them the best rates quickly and simplifying the remortgaging process.
Why should I consider Just Mortgages Sutton Coldfield?
Just Mortgages Sutton Coldfield are passionate about finding the right mortgage product for every client. They provide the most expert mortgage advice with a personal touch.
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