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    Mortgage Broker and Advisor in Birmingham

    Mortgages, Protection & Insurance Made Simple

    Independent mortgage advice you can trust

    • Regulated mortgage broker in Birmingham.
    • Ability to search the whole of the UK mortgage market.
    • Friendly QUALIFIED Birmingham mortgage advisor.
    • IMPARTIAL mortgage advice.
    • We do all the paperwork – STRESS FREE for you.
    • Access to exclusive mortgage deals not available on the high street.
    • Mortgage advisors in Birmingham expert in sourcing mortgage deals to suit all types of mortgages.

    Professional mortgage advice to suit your individual needs.

    We are a Birmingham based mortgage broker who can provide mortgage advice throughout the West Midlands including: Birmingham, Coventry, Lichfield, Solihull, Sutton Coldfield, Walsall and Wolverhampton.

    Mortgages to suit you

    We are able to offer mortgage advice on all types of mortgage.  If you would like advice on the following from a qualified mortgage advisor then please contact us:

    Buying your first home can appear an exciting but daunting prospect.  Making any one wrong decision of the many you need to make could cost you thousands of pounds.  We are here to help guide you through the process with expert mortgage advice.

    Thinking of investing in a buy-to-let property or looking to remortgage an existing buy-to-let investment?  We will check the rental coverage meets the lender’s criteria taking account of your income tax band.  Once we have confirmed that you meet the eligibility criteria, we will source the most appropriate mortgage for your needs, submit the mortgage application and chase your buy-to-let mortgage through to completion.

    Capital raising is a way of remortgaging your home in order to release equity that can then be used for other purposes.  The most common reasons that people capital raise is for home improvements, deposit on a second home or buy-to-let property, purchase luxury goods, debt consolidation or school fees but the funds can be used for many things.

    Think carefully before securing other debts against your home

    More and more people are seeing the advantages of becoming self-employed and many of these self-employed professionals are looking to work on a contract basis.  We have been helping obtain mortgages for contractors for many years and understand the challenges you face.  At RM Mortgage Solutions we have the experience to navigate the mortgage market to find lenders that are willing to help.

    Do you have or had in the past 6 years:

    • County Court Judgement – CCJ
    • Default
    • Missed loan or mortgage payment
    • Debt Management Plan – DMP
    • Individual Voluntary Arrangement – IVA
    • Discharged Bankruptcy

    Do you think that you will not be able to obtain a mortgage with your poor credit?  Whilst there are many lenders that may not be interested, the good news is that finding a lender that will accept your adverse credit is a very real possibility.

    We understand that it can be difficult to find a lender willing to provide a bad credit mortgage, but with help from our specialist advisors, you can get access to a potential mortgage with the minimum of fuss.

    If you are thinking about purchasing an office, industrial unit or shop then we can provide advise on how you can achieve this.  We can search through many lenders who may be able to assist with a commercial mortgage.  Commercial mortgages tend to be more complex than your usual residential mortgage which equates to a longer processing time so obtaining expert commercial mortgage advice is imperative.

    Are you considering owning either a buy-to-let property or commercial property through a limited company structure?  Due to tax changes this is becoming an option that we are encountering on an ever more frequent basis.  You should always take tax advice from a suitably qualified tax advice professional first.  If this is the right course of action for you then we can help source the most appropriate limited company mortgage for your needs.

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    A mortgage is a loan secured against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.