The Tamworth Mortgage Hub

Whether you are buying through Green & Company, another estate agent or a private sale, our expert team of financial advisers can give you the guidance, information and choice you need to make the right decision for you and your family. We can help you with mortgages, mortgage protection and personal/family protection. Initial advice is offered free of charge until an application is submitted. If you are a first-time buyer, moving house, re-mortgaging, a buy-to-let investor, or a let-to-buy customer, our fully regulated team can offer complete peace of mind with more than 100 years combined experience in the financial services industry.

“There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.”

 

 

Instead of talking to one provider about their products, we can shop the whole marketplace using specialist software to source the most appropriate products that suit your circumstances and budget. We will submit your application on your behalf and collate any required supporting documentation. Having one point of contact will save you time and avoid frustration whilst processing your application. Our Business Support team, headed up by Di Truman, will pursue your application and keep in contact with you to provide regular updates. If required, they will obtain and collate additional information and documentation, ensure the surveyor is instructed promptly and do their utmost to make sure your mortgage offer is offered as quickly as possible.

 

Green & Company is based in Sutton Coldfield but offers access to a wide range of providers and protection products, acting as an Appointed Representative firm of Stonebridge Group, one of the UK’s leading mortgage and insurance networks.

 

Call Green & Company’s Financial Services team on 0121 323 4999 or e-mail mortgages@green-property.com to arrange an appointment.

 

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

 

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority


 

Adam's Case Study

There are many ways we can help clients in these uncertain times. To put it simply, it's not just about obtaining business. Sometimes we merely offer advice and reassurance.

 

Our senior adviser Adam met with a client in the process of moving home. His existing mortgage deal was ending at the same time he placed his home on the market, and he was worried about his monthly mortgage payments increasing. After searching the marketplace, Adam was not only able to secure a competitive mortgage for his proposed purchase, but he was also able to re-mortgage his existing mortgage onto a deal that didn't have any early repayment charges, no upfront fees and at a rate significantly lower than the existing lender's standard variable rate which saved the client £300 a month!

 

This is just one example of many as to why it's essential to speak with an independent broker. If you need any help, advice or reassurance, we are here to help you. Feel free to pop into our High Street Financial Services office in Warwick House or call us on 0121 323 4999 to arrange a physical or virtual appointment.


Fleur's Case Study

There are many ways we can help clients in these uncertain times. To put it simply, it's not just about obtaining business. Sometimes we merely offer advice and reassurance. This week Fleur met with a client who had submitted a mortgage application with another mortgage broker, but two months later, they still hadn't received a mortgage offer. The client was under pressure to sort this problem out because they were buying a property. Fleur submitted an application on their behalf, and just two days later, the client received a mortgage offer!

 

This is just one example of many as to why it's essential to speak with an independent broker. If you need any help, advice or reassurance, we are here to help you. Feel free to pop into our High Street Financial Services office in Warwick House or call us on 0121 323 4999 to arrange a physical or virtual appointment.

 


Lisa's Case Study

Our senior adviser, Lisa, met with some first-time buyers looking to buy a property owned by a company. There were several interested parties, so the speed of issuing a mortgage offer was an absolute priority. Lisa submitted their application on a Monday, and the lender instructed the survey immediately, and their mortgage offer was issued just five working days later. This enabled our client's solicitor to proceed to exchange of contracts so that the property could be taken off the market and the client no longer needed to worry. Lisa was pleased she was able to do this as it reduced her client's anxious time to a minimum.

 

This is just one example of many as to why it's essential to speak with an independent broker. If you need any help, advice or reassurance, we are here to help you. Feel free to pop into our High Street Financial Services office in Warwick House or call us on 0121 323 4999 to arrange a physical or virtual appointment. Feel free to pop into our High Street Financial


Mandy's Case Study

Our senior adviser, Mandy, met with some first-time buyers this week who had just had an offer accepted. After reviewing the various options on offer, Mandy recommended the Nat West. The clients went away to consider their options, but in the meantime, Nat West advised Mandy they were about to put their rates up, so she contacted the clients to inform them and submitted their application on their behalf to secure the lower rate.

 

This is just one example of many as to why it's essential to speak with an independent broker. If you need any help, advice or reassurance, we are here to help you. Feel free to pop into our High Street Financial Services office in Warwick House or call us on 0121 323 4999 to arrange a physical or virtual appointment.

Laurens Case Study

Our adviser Lauren met with some clients this week that were looking to sell their family home. The clients explained to Lauren that they had already met with their bank to see if they could arrange a mortgage to enable their son to purchase the family home that allowed them to continue to live there, but the bank declined the application because it failed to meet the bank's criteria. Lauren explored the marketplace and found a lender that allowed a concessionary purchase to place. The clients were over the moon as they had given up hope about being able to stay in their homes.

 

This is just one example of many as to why it's essential to speak with an independent broker. If you need any help, advice or reassurance, we are here to help you. Feel free to pop into our High Street Financial Services office in Warwick House or call us on 0121 323 4999 to arrange a physical or virtual appointment.


Our handy questions and answers guide

Question:

What is a mortgage and why do I need one?

Answer:

A mortgage is essentially a big loan that is secured against the property you are buying. As most of us will never be able to buy a property outright, lenders agree to give us a loan that we must pay back, with added interest. Your credit score, income & outstanding debts will all be considered in the mortgage process.

 

Question:

What do I need to make sure of before applying for a mortgage?

Answer:

It's always best to make sure you feel ready to take on a mortgage. It's best if you have a steady income. after all, you are going to have to pay for the upkeep of the property and pay the mortgage at the same time. Paying your bills on time via direct debit shows lenders you are reliable. Having some money saved for a deposit is extremely important as lenders have a minimum threshold to meet based on a percentage of the property. A bigger deposit will mean lower mortgage payments.

 

Question:

What documents do I need to get a mortgage?

Answer:

Here are the documents you're likely going to need:

Proof of ID

Payslips

P60

Recent bank statements

Proof of deposit

Any information on life or home insurance policies

Information on any loan commitments or debts — like credit cards or car loans

 

Please don't hesitate to contact us for more information.

 


Our unique selling points

 

Dedicated, qualified mortgage and protection advisers that can search a wide range of providers.
Free one-to-one consultations to offer initial advice to a client.
Appointments in person, via Zoom or over the phone.
Dedicated Business Support Team to ensure your journey is as smooth as possible.

Indicative cost calculator

 

If you would like one of our Adviser’s to contact you to help and assist you further please enter your details below

 

 

Our mortgage & insurance advice will lead to your dream Sutton Coldfield home.

 

Sutton Coldfield Financial Services In Detail

Mortgages:

There are many types of mortgages for Sutton Coldfield residents. Our mortgage advisors are well prepared to assist you in every kind.

First time buyers

If you’re a first-time buyer living in Sutton Coldfield, you may have spent the past few years saving for a deposit to help you get on the property ladder. Your next step might be to speak to mortgage brokers. Our experts can give you a good idea of the type of property you can afford to buy when you start looking for your first home.

Re-mortgaging

A remortgage is when you take out a new mortgage on a property you already own - either to replace your existing mortgage, or to borrow money against your property. Home improvement is very popular in Sutton Coldfield. Our experts provide the right advice so you can borrow the right amount to suit your needs.

Buy-to-let mortgages

Buy-to-let is exactly what it sounds like . You buy a Sutton property in order to rent it out to tenants. You might want to consider your potential property a medium to long-term investment. Speak to our team, we are here to help with your buy next mortgage.

Let-to-buy mortgages

In a perfect world, you’d sell your Sutton Coldfield home at asking price with no fuss and then find your dream home then move in. Unfortunately, the world of property can be complicated. You may well find your Sutton Coldfield property to move into long before you get a buyer for your own house. An available option to this issue is to let out your current property to tenants then take out a new Let to Buy mortgage to buy your next home. Speak to our team for the right advice.

Insurances

When buying a property, in most circumstances you will need to take out buildings insurance, but what other types of insurance should you consider? Whether it’s contents insurance, life insurance or income protection insurance, it’s important to do a bit of research to understand exactly what they cover.

Buildings insurance

Buildings insurance covers the bricks, mortar, and structure of your property. Sutton Coldfield Mortgage lenders will normally insist that you have building insurance in place before you exchange contracts and move into your home. If you’re a leaseholder, your lease may specify whether you need to take out buildings insurance, or the freeholder may take out insurance on your behalf and charge you for it.

A typical buildings insurance policy will cover any damage to the structure of your home, such as the walls, roof and floors and will cover damage to fixtures and fittings too. Policies can vary, but generally you will be able to claim if your home is damaged by any of the following:

Fire, smoke, and explosions

Natural events like storms, floods, and earthquakes

Falling trees

Subsidence

Broken pipes and water damage

Theft and vandalism

 

Your policy should cover you for the cost of completely rebuilding your property, so if the worst does happen to your home in Sutton Coldfield, you will be able to replace your home. Bear in mind that the cost of rebuilding your home is not the same as the market value, which is often more than the cost of rebuilding. Make sure when you take out buildings insurance, you cover yourself for the right amount so that you don’t over or under insure yourself.

Contents insurance

Contents insurance covers your personal belongings against fire, theft, and other risks, such as accidental damage. It is often packaged together with a buildings insurance policy; however, you can arrange them separately.

Unlike buildings insurance, you don’t have to take out contents insurance when buying a home, however, without contents insurance you will have to pay to replace any of your items that are damaged, lost or stolen. This could be particularly costly if several items are damaged at once, for example your furniture or home appliances in a flood.

Your contents insurance policy should cover everything that you will take with you if you move home. To properly cover everything, you will need to calculate the total value of all your belongings.

You can either work this out yourself by listing each item and adding up their value. Or you could use an online contents insurance calculator, like this one from GoCompare.

Life insurance

Depending on your circumstances, you may want to take out life insurance to provide financial protection for your family when you die. A life insurance policy could be used to replace your income, leave an inheritance, and even pay off your mortgage after your death.

There are lots of different types of life insurance that all provide different cover, if you do decide to go ahead with life insurance it is important to fully understand the different options available for you.

This guide from Which? is a good starting point.

Income protection insurance

If you are unable to work due to serious illness or injury, income protection insurance will give you a percentage of your income to help you pay your bills and your mortgage, however it does come at a price. The premiums for this type of insurance can be high, but in households where you are dependent on one income, it could be worthwhile.

Before you consider income protection insurance, do some research on whether you really need it. Some employers offer income protection as a staff benefit and other employers have an enhanced sick pay package that may provide adequate cover.

Mortgage payment protection insurance

Similar to income protection insurance, mortgage payment protection insurance protects you if you are injured or sick and unable to work, but instead of providing a percentage of your income, it will only cover your mortgage payments.

Mortgage payment protection insurance can also cover you if you become unemployed, but this is dependent on your job. Some job types may affect what kind of policy is available to you, for example, manual workers, construction workers and bartenders are seen as higher risk by some insurance companies.

Much the same as income protection insurance, make sure that you are not already covered by any other insurance policies or employment benefits before taking out a policy.

 

 

Important links

 

FCA: Financial Conduct Authority. (the government regulator)

 

Stonebridge Group (our network)

 

Right Move (find a new home)

 

Money Advice Service (find out about mortgages)

 

1 Railway Road
Sutton Coldfield
West Midlands
B76 1AY

 

Adam Bettson

Financial Services Manager
Financial Services Office
Adam Bettson Mortgage Adviser

I began my career in financial services in 2001 and joined Green & Company in 2013 offering expert professional and friendly mortgage and home finance advice. I specialise in making sure the best interest of my customers is my key priority.

Having a growing family I understand the worries that can come with changes to our lives.

At a time when you are not sure where to begin I am here to help make sure your home moving experience goes as smoothly as possible.

Whether you are looking to move home or improve your property I would be happy to chat about your options and to tailor the most suitable solution specifically for you.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential. The information you give us will only be used to discuss the areas you’ve expressed an interest in.

Green & Co Ltd undertakes credit brokering and is not a lender.

Contact

Lisa Howell

Mortgage & Protection Advisor
Financial Services Office
Lisa Howell Branch manager

Based in Tamworth office I have been working for Green & Company since 1998 and in the mortgage industry since 1989. I am able to offer you expert advice and find a hassle free way for you to secure the best mortgage deal tailored specifically to you.

Having whole of market access and exclusive mortgage rates through our association with Stonebridge I will aim to ensure the whole process goes as smoothly as possible for you.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential. The information you give us will only be used to discuss the areas you've expressed an interest in.

Green & Co Ltd undertakes credit brokering and is not a lender.

Contact

Mandy Brown

Mortgage & Protection Advisor
Financial Services Office
Mandy Brown Mortgage Adviser

I have worked in the Financial Services sector since 1990. I'm an enthusiastic member of the team at Green and Company since I joined in 2000 and always strive to provide a first class service to my clients

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential. The information you give us will only be used to discuss the areas you've expressed an interest in.

Green & Co Ltd undertakes credit brokering and is not a lender.

Contact

John Cross

Mortgage & Protection Advisor
Financial Services Office
John Cross Mortgage Adviser

I began in the industry in 1988 and was branch manager and financial adviser for a local Building Society for 17 years. I joined Green & Company in 2007 and have been advising both buyers and sellers on their mortgage requirements and protection during that time.

I take pride in giving professional and friendly advice whilst always putting my client's best interests first.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential. The information you give us will only be used to discuss the areas you've expressed an interest in.

Green & Co Ltd undertakes credit brokering and is not a lender.

Contact

Fleur O'Rourke

Mortgage & Protection Advisor
Financial Services Office
Fleur O'Rourke Mortgage Adviser

I started in Financial Services in 2002 and moved to Green & Company in 2012. With many years experience in finance underwriting experience for a well known brand, along with a considerable number of years background in local estate agency, I am well placed to give friendly and sound advice to our buyers and sellers

Being a friendly and approachable person, I have a positive outlook and I am very organised. I enjoy helping people and taking on new challenges. My tenacious attitude along with my underwriting experience gives me a unique understanding and approach to today's mortgage market.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential. The information you give us will only be used to discuss the areas you've expressed an interest in.

Green & Co Ltd undertakes credit brokering and is not a lender.

Contact

Lauren Clark

Mortgage & Protection Advisor
Financial Services Office
Lauren Clark Mortgage Adviser

I have worked for Green & Company since 2014 and enjoy going the extra mile to ensure customer satisfaction, coupled with helping people find their perfect home. Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential.

The information you give us will only be used to discuss the areas you've expressed an interest in. We source from the whole of the market, with the exception of bridging loans. Green & Co Ltd undertakes credit brokering and is not a lender.

Contact

Kirsten Wardlaw

Mortgage & Protection Advisor
Financial Services Office
Kirsten Wardlaw

I began my journey with the Financial Services in 2018 as a Mortgage & Protection Administrator. I’ve always had a passion and the will to help people achieve their financial goals, and I became a fully qualified Mortgage & Protection Adviser in 2021. I offer bespoke, friendly and professional advice to all our customers, and I place my clients at the heart of my business. Whatever your circumstances, first-time buyer, re-mortgaging, moving house, or a buy-to-let investor, please contact me and I will give you all the guidance and information you need. I look forward to working with you.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential. The information you give us will only be used to discuss the areas you've expressed an interest in.

Green & Co Ltd undertakes credit brokering and is not a lender.

Contact

Diane Trueman

Administration Manager
Financial Services Office
Diane Trueman Administration Manager

I have worked in the Financial Services industry since 1986 and for Green & Company since 2004 as Administration Manager in our Financial Services Department. With the experience and knowledge I have gained about the different lenders, I can help you through the mortgage process to purchase your new home which we all know can be stressful at the best of times.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential. The information you give us will only be used to discuss the areas you’ve expressed an interest in

Green & Co Ltd undertakes credit brokering and is not a lender.

Contact

Susan Etherton

Administrator
Financial Services Office
Susan Etherton Administrator

“I have many years’ experience within Green & Company and since 2013 enjoy working within the Financial Services Team assisting our advisers with the processing of our client's mortgage and protection applications

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential. The information you give us will only be used to discuss the areas you’ve expressed an interest in.

Green & Co Ltd undertakes credit brokering and is not a lender.

Contact

Caroline Harris

Administrator
Financial Services Office
Caroline Harris Administrator

After many years of experience in the Financial Services Industry, I am delighted to be part of the team at Green and Company. I am a dedicated and well organised individual and I enjoy helping people make their future mortgage, a pleasant and stress free experience.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. Our typical fee is £349 and only payable on mortgage application. There is no charge for an initial consultation.

Details submitted through this form are confidential. The information you give us will only be used to discuss the areas you’ve expressed an interest in.

Green & Co Ltd undertakes credit brokering and is not a lender.

Contact
Send the office an email and one of our Mortgage Advisers will call you to arrange a no obligation Zoom or telephone appointment
Or Call the Office on: 0121 323 4999