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Our Mortgage Broker Guide to getting a mortgage in Birmingham

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

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

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Birmingham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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 Action Fraud.

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


Birmingham is the UK's second largest city and is in the West Midlands. It hosts the famous Bullring Centre complete with the statue of a bull. The city, where the first industrial steam machine was invented, hosts many museums,The Birmingham Art School and The Birmingham Philharmonic Orchestra.

The city hosts Spaghetti Junction, the interchange of the M6 and A38(M) and has two famous football teams, Birmingham City and Aston Villa. It has three universities; the University of Birmingham, Aston University and Birmingham City University.

Birmingham has a specialist online estate agent covering the conurbation called Love Your Postcode

B2 4AA

Property Price Stats for Birmingham


Average property price in Birmingham £168,062
% Change compared to last year 6%
Population of Birmingham 1,101,000 (2014)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker Birmingham - Recently Completed

  • 131 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

Local High Street Banks in Birmingham

Mortgage Broker in and around Birmingham

Our Birmingham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Smethwick, King's Heath, Walsall, Dudley, Sutton Coldfield, Lytchett Minster and Solihull.

Which banks are local to you?


  • Barclays Bank Plc - 79-84 High St, Birmingham B4 7TE
  • Lloyds Bank Plc - 131 Lea Village, Birmingham B33 9SH
  • HSBC Bank Plc - 148 High St, Birmingham B17 9PN

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Birmingham offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Birmingham Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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Conveyancing Process

FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.