Mortgage Broker Birmingham

Has the mortgage market got your head in a twist? Get a FREE mortgage consultation with our 100% impartial Mortgage Advisor, with access to the whole of the mortgage market to get you the best mortgage rates. Remote meetings available within 3 working days**

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Mortgage Loan and House Keys - SAM Conveyancing's Mortgage Broker Consultations

Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.

Read SAM Conveyancing's trustpilot reviews

Icon showing England and Wales. Our mortgage advisors have access to the whole of the mortgage market.
Access to the Whole Market
Icon showing cash (3) slashed through. SAM's mortgage advisers offer a free initial consultation
FREE* consultations
for Birmingham
Icon showing convenient remote appointments with SAM's mortgage advisor
Convenient
Remote Appointments
A balanced scale showing 100% impartial professional advice from SAM's independent mortgage broker
Impartial Mortgage Advice
Rosette reads 'Top 100'. SAM's Mortgage Broker Birmingham was selected in Financial Times' Top 100 Financial Advisers 2022
FT Top 100 Mortgage
Advisors 2022

Why choose Mortgage Brokers with SAM Conveyancing?

Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.

We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.


Advies Top 100 Financial Advisers
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.

Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.

Bank of England Base Rate
 
3.75%
 

Changed from 4% on the

17th December 2025

.

Average Fixed Rate

5.37%
 
Based on a 2 year fixed deal with 90% LTV.
How to get a mortgage in Birmingham

Property prices in Birmingham vary considerably, depending on the area. The average price for a semi-detached property in Moseley is £418,805, whereas in Harborne it is £299,355.

Location
10% Deposit
What would your salary need to be?
(estimated based on 4.5 times salary)
Moseley
£41,880
£83,761 or £41,880 per salary with a joint purchase
Harborne
£29,935
£59,871 or £29,935 per salary with a joint purchase

The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.

Mortgage Calculator

Our Mortgage Broker Guide to getting a mortgage in Birmingham

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • 1Approval/Decision in Principal (AIP/DIP)
  • 2Mortgage in Principal (MIP)
  • 3Mortgage Valuation
  • 4Mortgage Offer

A lightbulb icon: Mortgage Broker Birmingham Tip 1
#1 Top Tip

Be wary of fraud

Identity fraud is on the increase and can seriously damage your credit score. This is another reason to check your credit file regularly: in the searches section particularly, you should examine it to see if there's any which you don't recognise (double-check with the named lender).

If you think you've become a victim of identity fraud, you should report this to the police and to your bank.

A lightbulb icon with '£' sign in it: SAM's Mortgage Broker Birmingham Top Tip 2
#2 Top Tip

Help to Buy Mortgage

If you take up the Government's Help to Buy Scheme to buy a New Build home, the Government provides up to 20% of the purchase price in the form of a repayable equity loan (up to 40% within the Greater London area) to add to your 5% deposit then you pay for the rest of the asking price via a Help to Buy Mortgage.

This mortgage will therefore be for a maximum of 75% of the purchase price (55% in Greater London) and the maximum purchase price is £600,000. Want to find out more? Click on Help to Buy Mortgages

The trick is to choose the right solicitor from the outset for your home move in Birmingham.

Yes, this may seem obvious, but it's not only the reviews that make a good solicitor. It is also the volume of work they have. If a solicitor is overworked, they will not be able to prioritise effectively, delays may be increased, and your case may be overlooked.

A good solicitor is someone who keeps your best interest in mind at all times and who values high communication levels.


Get your FREE Fixed Fee Conveyancing Solicitors Quote

Fixed Fee – No Sale No Fee – On all Major Lender Panels

Frequently Asked Questions: Mortgage Brokers Birmingham


The role of a mortgage broker is to take your information and compare multiple deals from different lenders, based on your specific details, to find you the best option.

The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Birmingham mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Unless you have already found a mortgage product and aren't really interested in finding a better deal, it is always worth using a mortgage broker, and when your initial consultation is free with SAM Conveyancing, what have you got to lose?
Some homeowners want the convenience of borrowing with the same lender that they currently bank with. Even then, it is often worth going through a broker anyway, as they may be able to get you an exclusive offer from that very same bank that you won't have access to.
Most mortgage brokers make their money in a flat fee or a commission, which is paid to them by the lender. Some brokers charge a fee to the borrower which is normally payable as a flat fee, or it can be financed with the mortgage.
You'll need a mortgage approval in principle in order to budget, so you should get a mortgage broker before you start looking for houses and certainly before you make an offer on one. In fact, some people speak to a mortgage broker as soon as they decide to get serious about buying a home.
There's no need to meet a mortgage broker face to face. Our hand-selected mortgage experts offer convenient remote meetings by phone, for award-winning, national coverage.
A mortgage broker will be quicker purely based on their greater experience. They will be able to check your application to make sure it's not rejected for commonplace mistakes and they can steer you away from wasting your time applying for mortgage products or to lenders who are likely to turn you down.
*The free mortgage consultation allows you to discuss your mortgage opportunities with one of our panel of FCA-regulated mortgage brokers. If you want to proceed, some mortgage products require a payment to the broker. You can disengage your Mortgage Broker before making a formal application, and no fee will be charged. SAM Conveyancing doesn't provide regulated mortgage advice.
**Subject to availability. If we are fully booked ask and we will see if we can fit you in sooner.
 

Mortgage Broker Birmingham - Recently Completed

  • Whitehall Road, Birmingham, West Midlands, B9 5EN
  • 297 Brandwood Park Road, Birmingham, B14 6QR
  • Apartment 15, 36 Ryland Street, Birmingham, B16 8DB
  • 4 Hartledon Road, Harborne, Birmingham, B17 0AD
  • 21 Barton Lodge Road, Birmingham, West Midlands, B28 0RW


Watch our video to find out how to organise your mortgage and funding for your purchase.

Use our online mortgage payment/repayment calculator (UK).

 
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