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Our Mortgage Broker Guide to getting a mortgage in Sutton Coldfield

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 Sutton Coldfield Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Cut up unused store cards and credit cards

There's no sense, as a general rule, in having a bunch of credit cards which you don't use at all: you're better off in credit terms just using one or two cards for credit and paying the balance off each month..

On the other hand, don't max out your credit on any one card: it's better not to use above 50% of the available credit on any one card. A further tip is to keep dormant bank accounts which have had a history of making timely credit repayments open – they'll bolster your credit score.

Lifetime Mortgage

This is similar to equity release and the term describes a long term loan secured on your property. The size of the loan granted by the lender depends on the value of the your property and your age.

Unlike standard mortgages, you don't have to make any repayments at all before the end of the plan.


Sutton Coldfield is an affluent town in the West Midlands, 7 miles from Birmingham City Centre. It has a long history going back to Bronze Age times and a preserved section of Icknield Street, a Roman Road, passes through Sutton Park.

It grew in the 16th century, when its waters and pools were exploited for milling purposes and it was a hive of activity for industry going into the 17th century in producing military weapons. Industry continued to prosper there into the 18th century, making the occupants richer and many prominent buildings still standing today were built during this period.

The railway arrived in 1862 and the town gradually became a popular destination for day trippers and picnickers taking time out from Birmingham's pollution. It equally became a commuter dormitory for the same conurbation.

Housing expanded greatly in the earlier part of the 20th century and during the Second World War, there were prisoner-of-war camps sited in Sutton Park and areas of Walmley.

Sutton Park is one of the largest urban parks in England and a national nature reserve as well as a Site of Special Scientific Interest. Many of its manors and large houses have been converted into hotels, including Moxhull Hall Hotel and Ramada hotel. Peddimore Hall, a Scheduled Ancient Monument near Walmley, is a double moated hall used as a private residence.

The town's Holy Trinity Church was established around 1300.

B72 1YG

Property Price Stats for Sutton Coldfield


Average property price in Sutton Coldfield £310,760
% Change compared to last year 0%
Population of Sutton Coldfield 107,030 (2018)


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 Sutton Coldfield - Recently Completed

  • Bracken Drive, Sutton Coldfield, B75 7RF
  • High Street, Sutton Coldfield, West Midlands B72 1XA
  • Streetly Lane, Four Oaks, Sutton Coldfield, West Midlands, B74 4TD
  • Hundred Acre Road, Streetly, Sutton Coldfield, West Midlands B74 2LA
  • Wheatmoor Road, Sutton Coldfield, B75 7HH

Local High Street Banks in Sutton Coldfield

Mortgage Broker in and around Sutton Coldfield

Our Sutton Coldfield mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Old Oscott, Perry Common, Hill Hook, Little Aston, Little Hay, Canwell Hall and Minworth.

Which banks are local to you?


  • Lloyds Bank - 9 Birmingham Rd, Sutton Coldfield B72 1QA
  • NatWest Bank - Gracechurch Shopping Centre, 6 Parade, Sutton Coldfield B72 1PL
  • TSB Bank - 126 Gracechurch Shopping Centre, Sutton Coldfield B72 1PH

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Sutton Coldfield Mortgage Broker Insider Tips

Order your property searches on instruction when moving home in Sutton Coldfield.

  • Searches, especially from the local authority, can take some time to come back. This can mean that you are all ready for exchange but do not want to proceed because you have not had your search results back.
  • Being organised and booking searches early can mean you get this essential information as early as possible and can make a good, informed decision about whether or not to continue with the purchase.

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