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No advice fee. No application fee. No fee on completion. We’re paid by the lender and we’re FCA regulated, so the advice is held to the highest professional standards.
Solihull’s property market spans genuine extremes, from ex-council terraces in B37 to detached homes pushing seven figures in Knowle, and the mortgage implications shift considerably depending on where and what you buy.
Solihull town centre (B91) attracts professional couples and families drawn by Tudor Grange Academy and the rail connection into Birmingham New Street in around 14 minutes. Average prices in B91 sit around £510,000 to £550,000, so buyers here are typically experienced home movers with solid equity behind them.
Knowle and Dorridge (B93) have a village feel that appeals strongly to senior professionals and families relocating from further afield. Dorridge station offers direct trains to London Marylebone in under two hours, which makes the premium pricing easier to justify, though detached homes regularly exceed £600,000.
Shirley and Dickens Heath (B90) offer a more accessible entry point, averaging £375,000 to £400,000, and attract a mix of first-time buyers at the upper end of their budget and second-steppers. New build completions are active here, and prices in the new build segment currently run below existing stock.
Leasehold flats require careful attention in Solihull, particularly in the town centre apartment blocks around B91. Flat prices fell 3.5% in the year to March 2026 (HM Land Registry), so any client purchasing or remortgaging a flat should factor in current valuation risk alongside the standard leasehold checks. Most lenders require at least 70 to 85 years remaining at application, and some also want the lease running 30 to 40 years beyond the end of the mortgage term. The good news is that since January 2025 you can start a lease extension from day one of ownership, removing the previous two-year wait. Ground rent levels and service charges also affect lender appetite, especially where major building works are planned. For flats in taller buildings with cladding, an EWS1 or equivalent building safety certificate may be needed before a lender will proceed.
Ex-local authority properties in Chelmsley Wood and Smith’s Wood (B37) are genuinely attractive on yield grounds, with gross returns reaching up to 5.3% (PropertyData, February 2026), but lender choice narrows here. Non-standard construction types such as Wimpey No-Fines and Easiform are more common in this postcode, and ex-LA flats in blocks above four storeys will restrict the panel of lenders willing to lend further. A whole-of-market broker approach matters most in B37.
The borough-wide average sits at £330,000 (ONS/HM Land Registry, March 2026), but Solihull town itself averages £401,450 (Rightmove/HM Land Registry, to April 2026), so the figure that matters depends on where you are buying. First-time buyers paid an average of £264,000 across the borough in March 2026 (ONS), which in practice means a 1 or 2-bed flat centrally, an older terrace in B37, or a smaller semi in B90. At a standard 4.5x income multiple, a £264,000 purchase with a 10% deposit requires a loan of £237,600, meaning household income of roughly £52,800. For a semi-detached home averaging £367,524, the same deposit leaves a loan of £330,772, requiring around £73,500. Some lenders will stretch to 5x income or higher for professionals with strong employment profiles, which makes a material difference at Solihull’s price levels.
Getting mortgage advice in Solihull early, before you settle on a property type or postcode, can save you from a narrower lender panel than you were expecting.
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Buyers and homeowners across the West Midlands trust us with their mortgage, backed by 1,600+ verified 5★ Trustpilot reviews. You can read our independent reviews from people we’ve arranged mortgages for, which gives a good sense of how we work.
We compare around 14,000 mortgage products from more than 99 mortgage lenders, including high street banks and specialist lenders. Around here that matters, because solid-wall terraces, ex-council homes, apartment blocks with building safety paperwork and new estates each sit differently with different lenders.
It’s not just about finding a rate. It’s about placing your mortgage with the right lender first time.
We don’t favour any one lender. With access to over 99 lenders, we’re spoilt for choice. We match your mortgage application with the lenders whose criteria best fit your circumstances. From your first enquiry through to your mortgage offer, you’ll have a qualified mortgage adviser managing the entire process, not a faceless call centre.
| Feature | YesCanDo Money | Typical Broker |
|---|---|---|
| Broker fees | £0 | £300–£700 |
| Whole-of-market access | ✅ 99+ lenders | Not always — many use a limited panel |
| Mortgage products | ✅ 14,000+ | Restricted to their panel (Typically 10-60 lenders) |
| Dedicated adviser | ✅ Yes | Often passed between staff |
| Application handling | ✅ Fully managed | Varies by firm |
| Updates throughout | ✅ Proactive | Often only when chased |
| Communication | ✅ Phone, Email, Video & WhatsApp | Phone or email only |
| Trustpilot rating | ✅ 5/5 Stars - Rated Excellent | Industry Standard 4.1 out of 5 |
| Fee on completion | ✅ None | Some charge on top of lender commission |
Mortgage rates move regularly and the best deal for you depends on your deposit, the property and your circumstances. The rates below give a live snapshot of what’s available at 80% loan to value, but the headline rate is only ever part of the picture. We’ll compare the true cost across 99+ lenders and match your mortgage application to the one most likely to accept it.
THE SITUATION
A probation service administrator and her partner, an electrician, were buying their first home together. They had their eye on a 1950s end-of-terrace in Shirley, priced at £275,000, with a 10% deposit of £27,500 saved between them. Their combined income was £54,000, making their loan of £247,500 a multiple of 4.58 times income.
THE CHALLENGE
The property had previously been local authority housing, sold under Right to Buy in the 1990s. Several high-street lenders declined at the desktop stage, citing ex-local authority status and concerns about the construction type on the external walls. With their tenancy expiry approaching and the landlord unwilling to extend, finding the right lender quickly mattered.
WHAT WE DID
We checked the construction type against whole-of-market criteria and identified lenders with confirmed appetite for post-war ex-LA terraced stock in this condition. We secured a 5.04% rate on a repayment basis, with the loan structured at £247,500 over a 30-year term. No high-street refusals on the final application.
THE OUTCOME
Formal mortgage offer arrived in 10 days. They completed before the tenancy ended, moving straight from rented to owned without a gap. They paid no broker fee throughout.
THE SITUATION
A plasterer and his partner owned a semi-detached house in Shirley, B90, valued at £390,000. Their remaining mortgage balance was £120,000 and their fixed rate was due to expire within weeks. They wanted to raise an additional £42,000 to fund a full kitchen renovation and bathroom refurbishment they had been planning since they bought the home.
THE CHALLENGE
Their existing lender offered a product transfer at 5.59%, and adding the extra £42,000 through a further advance would have priced the combined £162,000 at £1,004 per month on a 25-year term. Rolling the full £162,000 loan to a new lender at 4.75% produced payments of £924 per month. But they needed confirmation the switch would complete before their rate expired and the standard variable rate kicked in.
WHAT WE DID
We compared the product transfer at 5.59% against a full remortgage of £162,000 at 4.75% across the whole market. The full switch saved £80 a month on a like-for-like 25-year term while also releasing the £42,000 they needed, something the further advance route could not match. We submitted the application immediately to protect against the rate deadline, and the formal mortgage offer came through in 18 days.
THE OUTCOME
They completed the remortgage before their existing rate expired, secured the renovation funds, and cut their monthly payment by £80. No broker fee was charged.
THE SITUATION
A landscape architect and her partner were selling their three-bed semi in Shirley (B90), priced at £385,000, and buying a four-bed detached in Knowle for £235,000 more, at £620,000. They had two children already in local primary schools and wanted to complete before term ended to avoid disrupting the family routine mid-year.
THE CHALLENGE
Their existing mortgage had a balance of £75,000 at 3.92%, with an early repayment charge of £5,600 still active. The total loan needed was £170,000: porting the £75,000 and adding a £95,000 top-up at 4.67% produced a blended rate of approximately 4.34%. Breaking the fix entirely and taking a clean remortgage would have meant a rate of 4.52%, plus losing £5,600 to the ERC. The numbers had to stack before any decision could be made.
WHAT WE DID
We modelled both routes precisely. Porting produced monthly payments roughly £17 lower than the clean remortgage, and kept the £5,600 ERC in their pocket. The chain had a motivated seller and a buyer already in place on the Shirley property, so timing was workable. We submitted the port and top-up application together to keep underwriting aligned, and the formal offer came through in 8 days.
THE OUTCOME
The family completed on the Knowle home on schedule, saving £17 a month against the remortgage alternative and avoiding the ERC entirely. No broker fee was charged at any stage.
THE SITUATION
An airport ground crew coordinator was buying a mid-terrace in Chelmsley Wood for £205,000. With a 25% deposit of £51,250, the loan was £153,750. The expected rent was £905 per month, in line with B37 demand from workers at nearby employment sites.
THE CHALLENGE
The property was ex-local authority stock, which narrows lender choice significantly. The bigger immediate problem was the rental stress test. At the standard 145% coverage requirement applied at a 5.5% notional rate, the loan needed rent of at least £1,022 per month to pass. At £905, it fell short, and most high-street buy-to-let lenders declined outright.
WHAT WE DID
We identified a specialist lender with appetite for ex-local authority terraced houses and a 125% coverage test applied at the 5.45% pay rate. At that threshold, the loan required rent of £873 per month. At £905, it cleared. No rate had to be forced; the deal simply needed the right lender from the start.
THE OUTCOME
Mortgage offer confirmed in 14 days with no broker fee. The landlord completed on a property yielding close to 5.3% gross, the strongest return available anywhere in the borough.
Every mortgage situation has its own quirks. We’ll find the lender that fits. Get Free Advice →
We work with high street banks as well as specialist lenders that only accept applications through brokers. Some deals simply aren’t available if you go directly to a bank.
We tell you upfront how a lender is likely to view your mortgage application and what’s genuinely achievable. No jargon, no vague answers and no surprises down the line.
We chase the mortgage lender, deal with queries and coordinate with the valuer and your solicitor so things keep moving without it landing back on you.
We identify where your case fits before submitting anything. Self-employed earnings, contractor rates, bonus income and commission can all affect which lenders say yes.
You’ll never be left wondering where things stand. We contact you when decisions are made and flag anything that needs your attention straight away.
Phone, online meeting or WhatsApp, whatever suits you best. Most clients never need to meet us in person and the advice is exactly the same either way.
With 1,600+ five-star reviews on Trustpilot, we’re ranked among the top 10 mortgage brokers in the UK. That comes from taking every case seriously and making sure every client feels looked after from the first conversation right through to completion.
Your first home around here could be a terrace, an apartment or a new build plot, and lenders treat each one differently. We handle the mortgage side from start to finish, including shared ownership and first home schemes.
If your deal is ending or you want to check you’re on the right rate, we search across 99+ lenders and handle everything. It costs nothing to find out if you can do better.
Moving up often means a property the lender looks at very differently from your current one. Whether porting (transferring your current mortgage to your new home) or getting a new deal, we compare both options and manage everything through to offer.
Strong tenant demand and some of the best rental yields in the UK make this landlord territory. Rental income calculations and lender criteria need to be right from the start.
A mortgage is a long term commitment. We advise on life cover, critical illness cover and income protection so that if something unexpected happens, your home isn’t left exposed.
Solihull sits immediately south-east of Birmingham and consistently ranks among the most desirable places to live in the Midlands. Property prices sit well above regional averages, and the mortgage decisions here, from loan size to lender selection by property type, are more complex than a borough-wide average suggests.
For most professional families and established movers, yes, though the price of entry is real and first-time buyers face a genuinely competitive market.
Solihull town centre has a proper high street, Tudor Grange Park, and a civic confidence that smaller commuter towns often lack. The borough splits sharply: affluent village life in Knowle and Dorridge, busy suburban streets in Shirley, and the more affordable, post-war estates of Castle Bromwich and Chelmsley Wood to the north. Those contrasts matter when you are choosing a postcode and sizing a mortgage.
Solihull station runs direct trains into Birmingham New Street in around 14 minutes, with roughly three services per hour. For London, Chiltern Railways operates direct services from Solihull to London Marylebone in around 1 hour 40 minutes, with trains running twice per hour. Dorridge station in B93 also serves Marylebone directly, making Knowle a genuine option for hybrid London commuters.
Tudor Grange Academy in B91 is one of the schools that drives the strongest catchment demand in the borough, and proximity to it shapes prices on surrounding streets noticeably. Arden Academy on Station Road in Knowle attracts families to the B93 area, particularly those relocating from Birmingham or further afield. Beyond schools, the borough has good green space, a strong restaurant and café scene around Solihull town, and the village atmosphere of Knowle holds real appeal for families trading up.
Solihull is expensive relative to most of the West Midlands. The borough-wide average stands at £330,000 (ONS/HM Land Registry, March 2026), but in Solihull town itself the figure rises to £401,450. First-time buyers averaged £264,000 at their last purchase (ONS, March 2026), which in practice means smaller properties in B90 or B37, or relying on family support. If you want the village feel of Knowle and Dorridge, budget for averages of £563,000 to £621,000 and up.
More divided by postcode than the borough average implies, with lender considerations that vary significantly depending on exactly what you are buying.
Semi-detached houses are the most commonly sold type, averaging £367,524 (Rightmove/HM Land Registry), and they attract the broadest lender appetite in the borough. Detached houses average £728,306 in Solihull town, concentrated in Knowle, Dorridge, and the better streets of B91. Flats average £197,891 across Solihull, and if you are buying or remortgaging one, lease length and ground rent levels need checking before you apply. Ex-local authority stock in B37 is more common and narrows lender choice, particularly for flats and larger blocks, so a whole-of-market approach matters more there than anywhere else in the borough.
Semi-detached prices rose 1.8% in the year to March 2026, while flat values fell 3.5% over the same period, a meaningful gap if you are deciding between the two. New builds across the borough currently average £329,000 against £383,000 for existing stock, which runs counter to the assumption that new build always commands a premium. Active development is concentrated in Shirley and Dickens Heath, with the Mell Square regeneration in the town centre approved for 228 affordable homes.
The borough-wide average rent sits at £1,259 per month (ONS, April 2026), with annual growth of 1.1% over the year to April 2026, noticeably below the West Midlands average of 4.5% over the same period. B93 (Knowle and Dorridge) commands the highest rents at approximately £1,794 per month. For investors focused on yield over capital growth, B37 offers the strongest returns at up to 5.3% gross, driven by lower entry prices on terraced stock averaging around £270,694.
Getting mortgage advice in Solihull is easier when you understand how sharply the market splits by postcode, and YesCanDo’s fee-free, whole-of-market service is built to help you get a mortgage in Solihull matched to the specific property and circumstances you are actually dealing with.
A short call to understand your situation and goals — income, deposit, the property and anything that might affect lender choice. From there we give you a clear picture of what’s realistic.
We search across the market, including lenders you can’t reach directly. Once you’re happy with the recommendation, we secure the rate, arrange an agreement in principle and submit the full application.
When the lender is satisfied, they issue the formal offer. We stay involved right through to completion, and if a better rate appears before then we’ll look at whether switching makes sense.
No charge for the initial discussion — we’ll explain the options before anything moves forward.
★★★★★ Rated Excellent · 1,600+ reviews
You might expect your two-year fixed-rate mortgage to last exactly 24 months from completion, but that isn’t always the case. Some lenders set an expiry date for their mortgage deals
We helped a first-time buyer in Luton purchase her home through the Right to Buy scheme with a £62,100 Barclays mortgage. The Right to Buy discount provided the full deposit for the £164,500 purchase, allowing her to move from being a tenant to owning the home without needing a separate conventional cash deposit.
We helped a Leighton Buzzard home mover keep the lower NatWest mortgage rate she had already secured after her original property changed. Rather than starting the mortgage process again from scratch, the existing case was amended to the replacement property, helping her continue with a £118,000 mortgage on her new £278,000 home.
Solihull is one of those markets where the postcode really does the heavy lifting. The gap between a terrace in Chelmsley Wood at around £270,000 and a detached home in Knowle nudging £600,000 or more means the mortgage structure, the lender choice, and the income you need to support the borrowing can look completely different depending on which part of the borough you are buying in. Flat buyers in the town centre face a different set of questions again, with lease length checks and service charge scrutiny adding steps that a straightforward semi purchase simply does not have.
We’re a family-run, FCA regulated mortgage broker, not a call centre. You deal with a real adviser throughout, someone who takes the time to understand your situation and works out the best route forward before any paperwork is started.
In Solihull, placing your mortgage correctly from the start matters more than in most markets. Ex-local authority stock in B37, leasehold flats in B91, period homes in Knowle with non-standard elements, and new builds in Dickens Heath with developer incentives all sit in different parts of the lender landscape. Getting it right the first time saves you time, and in a market that moves quickly, time is the one thing you cannot get back.
