City-centre apartments & regeneration
Major regeneration has added apartments across the city core, popular with professionals and investors. Construction type and leases affect lending, and we advise accordingly.
How we work with Birmingham buyers
No high-street office, just a trusted mortgage broker in Birmingham.
Fancy a chat?
No obligation. We’ll be in touch within one working day.
Thanks, request received.
We’ll be in touch within one working day.
Looking for a mortgage broker in Birmingham? We'll be straight with you: City Mortgage Solutions Group doesn't have an office in the city centre. What we do have is a whole-of-market advice team who work with Birmingham buyers every week, by phone, video and email, around your schedule.
The mortgage market is national, so the lenders and rates open to you are exactly the same as any local broker can access. What matters is the quality of the advice and knowing your market, and that travels down a video call perfectly well.
Lenders compared
90+
Whole of market
Google rating
5.0
From UK-wide clients
Initial consultation
Free
No obligation
Appointments
Flexible
Evenings available
What clients say
Birmingham buyers, advised remotely
Rated 5.0 on Google by clients across the UK, including these, who bought in Birmingham without us ever needing to be in the room.
Where our Birmingham clients buy
Across Birmingham and the West Midlands
Select an area to see the kind of buyers we help there. Wherever you are, distance is never a barrier to genuinely good advice.
Where we help
City Centre
Apartments across the regenerated core, popular with professionals and investors, where leases and construction affect lending.
Birmingham market snapshot
The Birmingham market in numbers
A quick read on local prices to help you budget before viewing.
Average sold price~£250kBirmingham
First-time buyer~£215kTypical FTB price
Home-mover average~£290kTypical mover price
Typical flat~£180kCity apartments
Indicative averages based on recent local market data. Please confirm current figures with ONS / HM Land Registry before publishing.
The advisers you'll work with
A dedicated team for your Birmingham move
You won't be passed around a call centre. You'll be matched to one of our experienced advisers and stay with them from first call to completion.
Priyesh brings deep whole-of-market experience and leads on complex and self-employed cases, matching tricky income to the lender most likely to say yes.
WhatsApp
Lisa guides first-time buyers from the first deposit question to completion day, with clear, patient advice and no pressure at any stage.
WhatsApp
Bhupinder advises landlords and buy-to-let clients, from a first rental to a growing portfolio, in personal name or through a limited company.
WhatsApp
Nazir advises on complex cases and protection, making sure the mortgage and the cover behind it both hold up if life changes.
WhatsApp
Sacchin advises movers and landlords, comparing the whole market to find the deal that genuinely fits and keeping things moving to completion.
WhatsApp
Sharon works with movers and families, coordinating the lender, solicitor and survey so the whole move stays on track.
WhatsAppEvery adviser is CeMAP-qualified and advises across the whole of the market by phone and video.
Simple from the first call
Birmingham advice, wherever you are in the city
Three steps, jargon translated, and one adviser from your first question to completion.
1
A free intro chat
City-centre apartment or a family home in Harborne, we'll talk budget and options, no obligation, evenings included.
2
Whole market searched
We compare 90+ lenders, recommend the right one plainly, and arrange your agreement in principle so you can act fast in a busy market.
3
Right through to completion
We manage the paperwork, chase the lender for updates and coordinate with your solicitor so it all comes together.
Local knowledge that matters
Buying in Birmingham: what we see in your market
From city-centre apartments and regeneration to leafy suburbs, here's the local picture we factor into your advice.
Stamp Duty (SDLT)
We'll estimate your Stamp Duty Land Tax, including first-time-buyer relief and the surcharge on second homes, as part of your total costs before you offer.
Suburbs & family homes
Areas like Harborne, Moseley and Sutton Coldfield draw families to period and semi-detached homes. We match your property to the right lender.
A fast-moving market
Birmingham is one of the UK's busiest markets. Being ready with an agreement in principle lets you offer with confidence.
Why use a broker
One bank shows its own products. We show the whole market.
Going direct to a single lender is fine, but it's one shelf. Here's what changes when our advisers work on your side.
With City Mortgage Solutions
Whole of market- Deals compared across 90+ lenders, including broker-only rates
- Advice on which lender suits your income, deposit and credit profile
- Agreement in principle before you offer, so you're ready to move fast
- Application managed end-to-end, alongside your solicitor and agent
- Protection reviewed alongside the mortgage, not as an afterthought
Going direct to one bank
- Only that bank's own products, however the market compares
- You self-select the lender before knowing if their criteria fit you
- Appointment lead times set by branch and call-centre availability
- Progress-chasing across bank, valuer and solicitor sits with you
- A declined application can leave a mark before you try elsewhere
Your home may be repossessed if you do not keep up repayments on your mortgage.
Access to over 90 lenders, including
Authorised and regulated by the Financial Conduct Authority
HalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensingtonHalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensington
Common questions
Birmingham mortgage questions, answered straight
No. We're a UK-wide brokerage rather than a high-street Birmingham office, and we advise buyers across the city and West Midlands every week by phone and video. The market is national, so your lenders and rates match any local broker's, the difference is the advice.
Yes. It's how most Birmingham clients prefer to work. Documents are shared securely online, appointments fit around your day including evenings, and you keep one adviser throughout.
Yes. We advise across Birmingham and the West Midlands, from regenerated city-centre apartments to family homes in Edgbaston, Harborne and Sutton Coldfield, with local prices and demand built in.
Yes. And it matters in Birmingham, where leases, service charges and construction type affect which lenders will lend. We match your apartment to a lender that's comfortable with it.
Your first consultation is free and without obligation. Any fee on your case is explained clearly and in writing before you commit.
Usually four to four-and-a-half times income, with deposit, credit and affordability all mattering. We'll confirm a figure and an agreement in principle, usually within a few working days.
Usually within 24 hours by phone or video, including evenings, so you're ready to offer in a fast-moving market.
Free, no-obligation consultation
Let’s find a time that works for you.
Tell us when suits and one of our advisers will be in touch within one working day, or message us on WhatsApp. Evening appointments available, around your schedule.
Thanks, request received.
An adviser will call you back within one working day.