Mortgage Broker Birmingham | Fee Free Advice

‍100% Fee-Free Service

‍FCA Authorised (No. 1011890)

‍Access to 1,000+ Products

End-to-End Support

5-Star Rated Advisers

Mortgage Broker & Advisers in Birmingham

Finding a mortgage can be overwhelming, especially when you’re juggling property searches, solicitors and other buyers.
Birmingham's property market is one of the most exciting in the UK. With a young and growing population, major regeneration projects like HSBC's relocation to Centenary Square, and strong demand from both owner-occupiers and investors, getting the right mortgage advice in Birmingham has never been more important. We search across the whole market to find you the best possible deal.

★★★★★

Rated 5 stars on Google from 191 reviews.
Get Fee-Free Mortgage Advice Today.
Trusted by clients across the UK.

Smiling bald man with a beard wearing a dark gray shirt in a modern office setting.

Smiling woman with long light brown hair wearing a beige cardigan and a pink top in a modern office setting.

Man in a navy blue blazer and white shirt smiling in a modern office with glass walls and plants.

Smiling woman with light brown hair wearing a navy blazer and white blouse in a modern office setting.

Southampton city centre — fee free mortgage advice

Southampton waterfront and docks — whole of market mortgage broker

Southwell MORTGAGE

Why choose Alexander Southwell Mortgage Services?

Alexander Southwell Mortgage Services Ltd offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgages, but not deals that you can only obtain by going direct to a lender.

Our team handles all the paperwork and liaises directly with lenders and solicitors on your behalf, making your Birmingham mortgage journey as smooth as possible from start to finish.

Team of expert mortgage brokers and advisers.

Excellent communication via WhatsApp, Skype, phone, email and SMS.

100% FEE FREE mortgage service.

Mortgage application paperwork prepared by our fee free advisers

Get Fee Free Mortgage Advice

Google

Rated 5/5 from 191 Google reviews

Low-Cost Specialist Advice: Fee-free options available for clean credit and £100k+ loans.

Mortgage Broker Birmingham Quick Summary

Fee structure:

Typically fee-free for standard residential mortgages, our commission is paid by the lender on completion. Fees may apply for complex or specialist cases, always disclosed upfront in writing.

Our Birmingham Mortgage Service

We work with clients across Birmingham, from Harborne and Moseley to Solihull and beyond. Our advisers are available by phone, video call or in person, so getting expert mortgage advice around your schedule is simple.

Client types:

First time buyers, home movers, remortgages, buy to let (including portfolio landlords).

Same-day service:

Speak to a qualified adviser today – we offer flexible appointments including evenings and weekends.

Your Birmingham Mortgage Broker

As a whole-of-market mortgage broker in Birmingham, we are not tied to any single lender. That means we search thousands of mortgage products from across the market to find the one that suits your circumstances. We are FCA authorised, completely fee free, and rated 5 stars by our clients. Whether you are a first time buyer taking your first step onto the ladder, a landlord expanding your portfolio, or looking to save money on your current deal, we are here to help.

Expert fee-free mortgage advisers helping clients in Southampton

Over 30 years experience in residential and BTL Mortgages

Learn More

Understanding Your Status

How Our Birmingham Mortgage Service Works

From your initial consultation to when your mortgage completes we manage the whole process for you. We coordinate with estate agents and solicitors where necessary to keep everyone moving towards your completion date.

Explore All Services

Step 1 – Initial Consultation

Get in touch and tell us about your situation. We will ask a few straightforward questions about your income, deposit, and what you are hoping to buy or do in Birmingham, so we can point you in the right direction from the start.

Step 2 – Research & Recommendation

Your adviser will compare mortgage products across suitable lenders and prepare a tailored recommendation. You’ll receive an Illustration (ESIS) showing the interest rate, fees and total cost over the mortgage term so you can make an informed decision.

Step 3 – Decision in Principle

Once we have found the right deal, we will obtain a Decision in Principle (DIP) for you. This is a lender's confirmation of what they would be prepared to lend, which strengthens your position when making offers on Birmingham properties.

Step 4 – Full Application & Valuation

We’ll handle the paperwork, submit your documents to the lender, liaise on your behalf and arrange the valuation or survey. You won’t need to chase – we do that for you.

Step 5 – Offer to Completion

We’ll track your case through underwriting, chase solicitors and other parties if needed and keep you updated through to exchange and completion. Once you’ve got your keys we’ll diarise a review before any fixed rate ends so you’re never left on an expensive standard variable rate.

🤝

Being prepared with the right paperwork
Documents You’ll Need

Income evidence: Last 3 months’ payslips for employed applicants, or last 2–3 years’ accounts and SA302s for self-employed clients

Deposit evidence: Savings statements, gifted deposit letters or sale-of-property memorandum if using proceeds from another property

Additional documents: Complex cases may require extra paperwork – for example, multiple buy to let schedules, evidence of foreign income or explanations for recent credit issues

Bank statements: Last 3 months’ current account statements showing income credits and regular commitments

Proof of ID and address: Passport or driving licence, plus a utility bill or council tax bill dated within the last 3 months

Birmingham Property Market & Local Knowledge

Birmingham's property market has a lot going for it right now. Here are some of the things making it such an attractive place to buy:

Line drawing of buildings, crane, and upward arrow indicating growth or development.

Regeneration and growth:

One of the UK's youngest and fastest-growing city populations, driving consistent demand for homes

Icon of a house with a British pound symbol and a price tag showing £200k.

Average property prices:

Major regeneration across areas like Digbeth, Eastside, and the city centre is attracting new residents and investors

Line drawing of four people representing a family group on a light green circular background.

Key buyer groups:

Strong transport links including Birmingham New Street and the ongoing HS2 development improving connectivity

Train icon with route signs M3 and M27 and city skyline location marker.

Transport links:

A wide range of property types and price points, from affordable terraces to executive homes in areas like Sutton Coldfield and Solihull

Services

Mortgage Services We Offer in Birmingham

Birmingham city centre, where our advisers arrange mortgages for local buyers

How Much Can You Borrow?

Enter your annual income details below.

Your Annual Income

Partner's Annual Income (optional)

This is an estimate only. Actual lending is subject to your credit profile, outgoings, deposit and lender criteria. Speak to one of our advisers for a personalised assessment.

FAQ

Birmingham Mortgage FAQs

Mortgage BrokerBirmingham

Mortgage Broker & Advisers in Birmingham

Why choose Alexander Southwell Mortgage Services?

Mortgage Broker Birmingham Quick Summary

Fee structure:

Our Birmingham Mortgage Service

Client types:

Same-day service:

Your Birmingham Mortgage Broker

How Our Birmingham Mortgage Service Works

Step 1 – Initial Consultation

Step 2 – Research & Recommendation

Step 3 – Decision in Principle

Step 4 – Full Application & Valuation

Step 5 – Offer to Completion

Birmingham Property Market & Local Knowledge

Mortgage Services We Offer in Birmingham

How Much Can You Borrow?

First Time Buyers Birmingham

Remortgage advice Birmingham

Buy to let mortgages Birmingham

New build mortgages Birmingham

Ready to Take the First Step?

Speak to one of our fee-free mortgage advisers today. We'll calculate your affordability, explain your options, and help you move forward with confidence.

Birmingham Mortgage FAQs

Is there a fee-free mortgage broker in Birmingham?

How much deposit do I need to buy a home in Birmingham?

Can I get a mortgage in Birmingham if I am self-employed?

What is an Agreement in Principle and do I need one when buying in Birmingham?

Mortgage Broker
Birmingham