Sutton Coldfield Mortgage advisors

The Sutton Coldfield Mortgage Shop

Whether you are buying through Green & Company, another estate agent or a private sale, our expert team of Sutton Coldfield financial advisers can give you the guidance, information and choice you need to make the right decision for you and your family – including mortgages, mortgage protection and personal/family protection. Whether you are a first time buyer, moving house, re-mortgaging, buy-to-let investor or 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. We are here for every mortgage and protection customer whatever your needs are.

 

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.

 

Our Sutton Coldfield Business Support team are there to ensure that once we have made a mortgage application for you the offer is issued with the minimum of fuss and in the shortest possible time. Call Green & Company’s Financial Services team on 0121 323 4999 or e-mail mortgages@green-property.com to arrange an appointment. Your home may be repossessed if you do not keep up repayments on your mortgage. Green & Company will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy-to-let or let-to-buy. 

mortgage brokers in sutton coldfield

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.

 

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 do 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 is 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

 

Lisa Howell

Mortgage Adviser
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy.

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 Adviser
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

Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy.

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 Adviser
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy

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 Adviser
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy.

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

Adam Bettson

Mortgage Adviser
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy.

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 Adviser
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.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy. 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

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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy.

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy.

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

Carolyn Ridley

Administrator
Financial Services Office
Carolyn Cartwright Administrator

I joined Green & Company in 2018, having worked within the financial services industry since 2004. With the considerable experience I have gained, I assist Diane and her team with the efficient processing of clients’ mortgages and find it really rewarding to know that I’m helping people to buy their new home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy.

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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of £299 for arranging your mortgage if it is a residential purchase and £495 if it is a buy to let or let to buy.

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