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Time to look at your mortgage renewal options?
If you're looking for a new mortgage rate, our Birmingham mortgage broker team is here to help. We will search the entire mortgage market for you to find the best mortgage deals available. After all, why pay more when you could be paying less? A new mortgage can be more cost-effective than your current deal, so get in touch with us to learn more.
Need help with your first mortgage?
Navigating the mortgage market can be difficult as a first-time buyer but that is where our team of Birmingham mortgage brokers can help. With easy-to-understand advice and all the practical support you need, we will help you throughout every aspect of your first mortgage journey. You will have your feet on the property ladder in no time!
Looking to move home?
If you're planning on a house move soon, our team of mortgage brokers in Birmingham are here to help. We won't pack your boxes (sorry) but we will provide you with expert mortgage advice you can rely on. When you're ready to make an offer on your dream home, we will also provide you with an Agreement In Principle to help you secure the property.
Get the best Buy-To-Let mortgage rate
We are a mortgage broker with years of experience helping landlords in Birmingham, we can provide access to the best buy-to-let mortgages available. The combined experience of our mortgage broker team can ensure a tailor-made service that is right for your particular situation.
Fee-Free Mortgage Broker Birmingham
How to get a mortgage in Birmingham
We really do make getting a mortgage seem easy.
What YesCanDo Money Offers
We understand how stressful getting a mortgage can be, especially when considering the range of different mortgage deals that are available. Which one is right for you? The answer isn’t always straightforward but that is where our advisors in Birmingham can help you. Our aim is to make your experience as stress-free as possible, which is just what you need when you’re coping with the demands of the moving process.
We ensure that you always fully understand all of your available mortgage options and that you NEVER pay more than you need too.
We have gained a strong reputation in Birmingham and all surrounding areas for our expert mortgage services. You need only look at the reviews and ratings we have secured on TrustPilot as evidence of our excellence.
We search 90+ mortgage lenders, including both niche and high street lenders, as we work to find the best mortgage products for you. We then compare the 14,000 mortgage rates from lenders in Birmingham and from around the UK, to ensure you get the right mortgage at the fairest interest rate.
Navigating the mortgage market isn’t easy but our leading team of brokers are here to help you. We will support you every step of the way, ensuring you get the best mortgage deals at the right interest rate, without any of the stress that buyers usually experience when looking for a mortgage. Contact us for free mortgage advice and learn more about the other fee-free services that we can provide for you.
Mortgages In Birmingham
Mortgage Rates In Birmingham
Mortgage rates in Birmingham depend on the Bank of England base rate, the economic climate, your affordability, your salary, and your credit score, amongst other things. A mortgage lender will take such factors into account when determining how much they are willing to lend you and at what interest rate. The type of mortgage and the mortgage term will also affect the mortgage rate.
To reduce the repayments on your mortgage and to benefit from the best mortgage rates, you should do what you can to improve your credit score. You should also save up for your deposit as the more you pay at the beginning of your mortgage, the less you will have to pay later.
For advice on mortgage rates in Birmingham, speak to our team of mortgage consultants. We will look at your financial circumstances to assess your affordability and will look for the Birmingham mortgages that have the lowest rates possible for your circumstances and also provide mortgage advice.
Property Prices In Birmingham
The price of a property in Birmingham will depend on the type of property you choose and the area of the city you decide to move to. You will notice a difference in house prices when comparing properties near the city centre and those on the outskirts of Birmingham, for example.
The table below indicates the average property prices in Birmingham.
|Property Type||Average Property Price||Monthly Mortgage Payment *|
|Flat/apartment||£206,977||£727.62 pcm *|
|Terraced House||£253,346||£890.63 pcm *|
|Semi-Detached House||£286,324||£1,006.57 pcm *|
|Detached House||£495,222||£1,740.94 pcm *|
* (Monthly mortgage payments based on a 90% Loan-To-Value – 1.3% 2 year fixed rate – 25 year term)
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Living In Birmingham
Birmingham is a popular place to live in for many reasons. There are many affordable housing options. The economy is strong so there are lots of job opportunities across many major industries. And there are lots of things to do, with plentiful shopping opportunities (including the famous Bullring Markets), and a wide variety of entertainment options.
When it comes to particular areas to live in, you are pretty much spoiled for choice. Digbeth and Erdington are both popular places to move to for their city centre proximity, while Harborne and Solihull are excellent choices if you want great schools for your kids and lots of green spaces for them to play in and explore.
Property prices vary but there is something for nearly everyone. The cheapest places to live include Nechells and Witton, with properties averaging at around £143,000, while Earlswood and Hockley Heath offer some of the more luxurious and expensive properties. Expect to pay over £500,000 if you’re looking for the finer homes in these upmarket places of the city.
Thinking of carrying out home improvements to your Birmingham property? A re-mortgage could be the perfect way to fund improvements to increase the value of your home, so once again the perfect time to get sound mortgage advice. Remortgaging is also a good time to understand if debt consolidation should be considered. Debt consolidation is when you pay off a loan or credit card as part of the remortgage. This can reduce your outgoings but make sure you get sound financial advice and sound financial solutions as over the long term you will be paying more!
No matter which area you are considering, get in touch with our advisors in Birmingham to ensure you get the best mortgage deal on your property.