Mortgage Advisors Birmingham

Mortgage Advisors in Sutton Coldfield, Birmingham

Taking out a mortgage is probably one of the most important financial decisions you are likely to make. So it makes sense to do everything possible to make the right choice, like getting the best mortgage advice possible.

Mortgage lenders and brokers offer advice when recommending a mortgage for you. We will look at your income, day to day living expenses and any existing debt, enabling us to accurately assess what would be an affordable level of mortgage repayment.

Making Sense of the Mortgage Market

The mortgage market is huge, very competitive and for some people it can be incredibly difficult to understand. A good independent mortgage advisor can help in finding the best choice from a far wider range of options available to you than you would otherwise get from just visiting your bank.

Mortgage Advisors Look Beyond the Interest Rate

Your independent mortgage advisor will help you look beyond the interest rate and into all the costs and features of the loan that aren’t immediately obvious. They will help complete all the paperwork for you minimising the risk of delays and they’ll also be able to give a heads up on which deals you are likely to be accepted for. 

Mortgage Advice – Face to Face or Over the Phone

Our mortgage advisors will be happy to meet face to face at our offices or to talk over the phone. Whichever way you choose the outcome is the same, a fast, professional service, focusing on your exact requirements. 

Whatever your circumstances, whether you are self-employed, have existing debt, a poor credit history or are approaching retirement, we’ll do all we can to find a solution that’s right for you.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. CONSOLIDATING DEBTS MAY INCREASE THE TERM AND TOTAL AMOUNT PAYABLE.

Your initial consultation is free and you are under no obligation to proceed with a mortgage we recommend. There will be a fee for mortgage advice. The exact fee will depend on your circumstances and may be reduced depending on the loan amount and any commission we receive from the lender. It is estimated that the fee will be £595, but it may range from £495 to 1% of the amount you borrow. The fee is only payable on completion and can normally be added to the mortgage. This will be discussed and agreed with you before you make an application. Please ask for a personalised illustration.

Secured loan rates from 3.95% APRC, although we have plans available up to 29.9% APRC which allow us to assist customers with the most severe credit problems. The overall cost for comparison is 7.65% APRC. For secured loans a broker fee up to 10% of the loan amount borrowed may be payable on successful completion. A lender fee may also apply. The actual APRC available will depend on your circumstances. All loans are subject to status. Please ask for a personalised illustration.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Caboodle Financial Services Ltd, registered in England at Mere Green House, 46-48 Mere Green Road, Sutton Coldfield, West Midlands B75 5BT (number 08044670).
Caboodle Financial Services Ltd is an appointed representative of PRIMIS Mortgage Network (PRIMIS), a trading name of Advance Mortgage Funding Ltd which is authorised and regulated by the Financial Conduct Authority. PRIMIS is only responsible for the service and quality of advice provided to you in relation to mortgages, protection insurance and general insurance products. Any other product or service offered by Caboodle Financial Services Ltd may not be the responsibility of PRIMIS and may also not be subject to regulation by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let.

© 2020 Caboodle Financial Services Ltd


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