Mortgage Advisor Birmingham| Expert Mortgage Advice.
As a trusted mortgage broker Birmingham, we offer professional mortgage advice to help our customers with all their financing needs in the South Yorkshire area.
Fast Approvals
Experience fast mortgage approvals with our streamlined process and expert support. Get pre-approved quickly and move one step closer to your new home.
Minimal Paperwork
Start your mortgage application with minimal paperwork and a simplified process. Our Mortgage specialists guide you every step of the way to ensure a smooth and stress-free experience.
Best Mortgage Deals
With specialist mortgage advice, we help you get the best market deal and also find the best deal from your current lender.
Trusted Mortgage Broker in Birmingham
At MortgagesRM, we specialise in guiding you through a stress-free application process —whether you’re buying your first home, switching lenders, or investing in buy-to-let properties. With
Stephen Kerrigan, our experienced independent mortgage broker in Birmingham, offering support from 8am to 10pm daily, we’re here when you need us most.
Stephen will personally assist you throughout the application, from securing your agreement in principle in Birmingham to finalising your mortgage. We compare thousands of lender options from a wide network to ensure you get the best deal — and we do all the legwork for you.
We understand that every homebuyer is unique. That’s why we offer personalised mortgage deals in Birmingham, tailored to your individual goals. Whether you’re exploring shared ownership mortgages, need specialist advice, or simply want the unbeatable mortgage choice our network offers, we’ve got you covered.
We also provide guidance on affordable housing schemes, helping eligible buyers take advantage of government-backed programs to make homeownership more accessible.
Our commitment doesn’t end with finding you at a great rate. We provide housing advice to safeguard your home and future, along with help with forms, documentation, and lender submissions — removing the guesswork and making the process easier.
Book your mortgage consultation today and take the first step toward your new home with confidence.
Have Any Questions?
Contact our expert team for mortgage advice in Birmingham
Independent Mortgage Advice Birmingham
If you would like Stephen Kerrigan, one of our experienced mortgage advisors in Birmingham, to help you on your home buying process, please call our main office or get in touch online.
We are open from 9 am – 5:30 pm on weekdays and 9 am–5 pm on Saturdays, with evening appointments (after 6 pm) available on request.
While MortgagesRM advisors are based in South Yorkshire, we proudly serve clients across the UK — including first-time buyers, remortgage clients, and those seeking personalised deals from a trusted expert in Birmingham.
Our impartial mortgage advice also covers finance options and repayment planning, ensuring your finances remain manageable long after approval.
The place for Birmingham Mortgage Advice!
What Additional Mortgage Costs to Expect?
It is worth remembering the additional costs, on top of your deposit, that you will need to pay.
You will need to pay solicitors’ costs, survey and valuation fees—especially if you’re arranging a property valuation in Birmingham.
Take a look at the stamp duty costs to see if you will need to pay these on completion.
Removal company costs, if you need to store items for a period of time, and some properties have maintenance costs.
You may also have fees to pay to the lender for your mortgage. These could be an arrangement fee and/or a booking fee.
To stay organised, it’s a good idea to refer to a mortgage documentation checklist before beginning your application.
Contact us for a personalised breakdown of mortgage-related expenses.
Mortgage Advisors in Birmingham – Helping First-Time Buyers Get the Best Deals
Our mortgage advisors in Birmingham have access to thousands of first-time buyer deals, including exclusive offers available only through MortgagesRM. Whether you’re searching for first-time buyer options, need help with bad credit mortgages Birmingham, or planning your next move, we’re here to secure the best deal tailored to your circumstances—with future planning in mind.
When you book your consultation with Stephen Kerrigan, your dedicated adviser, you’ll receive professional advice designed to help you make informed decisions. As part of our process, we carry out a detailed affordability check to help you understand your borrowing capacity based on income and financial commitments.
You’ll also receive a clear, jargon-free mortgage illustration service, showing what your repayments could look like month by month—so you know exactly what to expect. In addition to expert home buying guidance, Stephen will walk you through schemes like Help to Buy, ideal for first-time buyers purchasing new-build homes. With this support, you might be able to afford more home than you originally thought.
If you’re looking to refinance, our team also provides tailored remortgage advice in Birmingham, including deal switching to ensure you stay on the best possible terms as your needs evolve.
Stephen Kerrigan will help you find government-backed housing finance for as little as 5% down while retaining 100% homeownership.
MortgagesRM’s expert advisors and exclusive deals with hundreds of lenders make securing finance remarkably easy.
Our Mortgage Services
Expert Mortgage Advisors Birmingham | Guiding You Every Step of the Way
We’re passionate about supporting every client—especially those who need clear, expert guidance. With our experienced market mortgage advisor Birmingham by your side, it’s not just about securing the right mortgage; it’s about guiding you through every step of the home buying journey with confidence and care.
First Time Buyer
Buying your first home? Our expert mortgage advisors offer tailored first time buyer mortgage advice to help you secure the right deal with ease and confidence.
Remortgages
Looking for a better mortgage deal or exploring remortgaging options? Finding the right terms isn’t always straightforward—but expert advice can make all the difference.
Moving Home
Thinking of selling your existing property and moving to a new home? It’s important to budget accurately—especially when exploring moving home in Birmingham and planning for associated costs.
Buy-to-Let
This is one of the popular mortgage options available for those looking to invest in residential or rental property, including those exploring buy to let in Birmingham.
Book Your Mortgage Consultation Today
Speak with our expert advisor and get personalised guidance on first-time buyer, remortgage options, or buy to let deals. Schedule your appointment online or call us now.
Enjoy a Stress-Free Experience When Moving Home!
Our professional mortgage advisors help ease the pressure by managing your mortgage application from start to finish. We provide clear home buying guidance and support you every step of the way.
Hassle-Free Mortgage Switching with Expert Guidance?
Many high street banks and specialist lenders provide a range of buy to let, but the most competitive deals are often secured through an experienced mortgage broker in Birmingham. A local mortgage broker Birmingham can compare your current lender’s offer with a leading buy to let rates across the market—whether you’re planning to remortgage, switch lenders, or stay with your existing provider.
- Detailed Affordability Checks for Confident Borrowing
- Minimal Paperwork Hassle
- Access to Exclusive Buy-to-Let Deals
- Switch to a New or Stay With Your Current Lender
- Personalised Advice and ongoing mortgage support from Local Experts
Get started online now
Frequently Asked Questions
How much deposit do I need for a mortgage?
A minimum deposit is required for purchasing a property in Doncaster. High street lenders typically require a 5% deposit. A higher deposit may be required if you have had credit problems in the past.
Can I get finance if I am self-employed?
Yes, however, you must submit at least one year’s worth of accounts. To compute the maximum borrowing, most lenders in Doncaster use your salary and dividend, while others may use your net profit.
Can I get a second charge?
A second charge is possible. This option can be used for debt consolidation, home improvements, or to release equity. It can also be arranged on another property, provided it is for personal use, a family member, a holiday home, or a rental property.
How long does the application process take?
It will take about an hour for our consultation in Doncaster. Upon completion of your consultation, we can arrange an agreement in principle for you in about 24 hours. A formal offer takes about three weeks.I have bad credit, can I still get approval?
What documents do I need to send you?
You must provide three payslips to prove your income if you are an employee.For a self-employed mortgage in Birmingham, you will need to supply your latest two years’ accounts to verify earnings. Additionally, you must provide proof of identity, address, and three months of bank statements.
How long will an agreement in principle be valid for?
An agreement in principle typically lasts between 30 and 90 days, but it can vary based on your lender. It is quite simple to renew an agreement in principle if it expires.
I have bad credit, can I still get approval?
Yes, but it may be harder. By putting down a larger deposit, such as 10% or 15% of the purchase price, you can show affordability and improve your chances of being accepted.
