How many mortgage brokers are in Birmingham?

68 FCA-regulated firms are listed for Birmingham. Common focus areas include Buy-to-Let, Bridging, Commercial, Adverse Credit, Ltd Co.

Why use a mortgage broker in Birmingham instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Birmingham often know which underwriters are comfortable with nearby property types and survey quirks. Birmingham and Coventry are regeneration hotspots. Brokers with knowledge of new-build incentives and developer panel lenders can often access exclusive rates not available directly to buyers.

What does mortgage advice typically cost in Birmingham?

Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.

What should I check before choosing a broker in Birmingham?

Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Bridging, Commercial), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Birmingham with adverse credit?

Often yes. Birmingham has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Birmingham, West Midlands

Q: What do typical property prices look like in Birmingham?

The average price in our data is £232,844 (broadly flat year-on-year). The West Midlands posted 2% growth in 2025, supported by Birmingham's ongoing regeneration and HS2 infrastructure investment. The region offers strong affordability compared to the South while benefiting from improving transport links.

About Birmingham

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in Birmingham
#	Broker	Verified	Rating
1	Definitive Broker Services Limited	Unverified	5.0 (10)
2	Spellman Financial Services - Mortgage Broker	Unverified	5.0 (52)
3	CashMoney UK	Unverified	5.0 (5)
4	Mortgage Broker Birmingham - Ape Finance t/a Fetchh	Unverified	5.0 (3)
5	Xact Mortgages	Unverified	5.0 (2)
6	Ailes Mortgage Solutions Ltd	Unverified	5.0 (81)
7	Thomas Anthony Financial Services Ltd t/a VK Financial	Unverified	5.0 (16)
8	Sage Independent Mortgage Advice	Unverified	5.0 (1)
9	JRH Mortgages & Financial Services	Unverified	5.0 (36)
10	Wiser Mortgage Advice - Bromsgrove	Unverified	5.0 (109)

Local snapshot

Birmingham (West Midlands) lists 68 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £232,844 — up 0.1% year-on-year.

The West Midlands posted 2% growth in 2025, supported by Birmingham's ongoing regeneration and HS2 infrastructure investment. The region offers strong affordability compared to the South while benefiting from improving transport links.

What local advisers focus on

Together they cover Buy-to-Let, Bridging, Commercial, Adverse Credit, Ltd Co, Development — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Quick answers

How many mortgage brokers are in Birmingham?: 68 FCA-regulated firms are listed for Birmingham. Common focus areas include Buy-to-Let, Bridging, Commercial, Adverse Credit, Ltd Co.
What do typical property prices look like in Birmingham?: The average price in our data is £232,844 (broadly flat year-on-year). The West Midlands posted 2% growth in 2025, supported by Birmingham's ongoing regeneration and HS2 infrastructure investment. The region offers strong affordability compared to the South while benefiting from improving transport links.
Why use a mortgage broker in Birmingham instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Birmingham often know which underwriters are comfortable with nearby property types and survey quirks. Birmingham and Coventry are regeneration hotspots. Brokers with knowledge of new-build incentives and developer panel lenders can often access exclusive rates not available directly to buyers.
What does mortgage advice typically cost in Birmingham?: Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.
What should I check before choosing a broker in Birmingham?: Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Bridging, Commercial), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £232,844.

Annual movement about 0.1% (flat).

Mix of home types (averages)

Detached: £437,451
Semi-detached: £272,500
Terraced: £220,092
Flats: £145,958
First-time buyer purchases: £210,937

Borrowing costs in context

The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.

Choosing advice

You can compare 68 firms side by side. 1 shows 10+ years trading history.

Collective review score is 4.9/5 across 61 brokers with ratings — use it alongside specialisms and fee transparency.

Strongest demand on our list is for Buy-to-Let, Bridging, Commercial, Adverse Credit. Commercial and development lending options appear on the roster — useful if you are outside vanilla residential.

Street-level detail

Birmingham and Coventry are regeneration hotspots. Brokers with knowledge of new-build incentives and developer panel lenders can often access exclusive rates not available directly to buyers.

On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.

Most offer a no-obligation first call so you can sense-check strategy before paying anything.

From application to completion

Shortlist two or three firms from the list above that match your situation (Birmingham is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in Birmingham

Directory snapshot — Birmingham

Need help choosing a broker?

Top 10 mortgage brokers in Birmingham

Definitive Broker Services Limited

Spellman Financial Services - Mortgage Broker

CashMoney UK

Mortgage Broker Birmingham - Ape Finance t/a Fetchh

Xact Mortgages

Ailes Mortgage Solutions Ltd

Thomas Anthony Financial Services Ltd t/a VK Financial

Sage Independent Mortgage Advice

JRH Mortgages & Financial Services

Wiser Mortgage Advice - Bromsgrove

More areas in West Midlands

Explore Postcode Districts Near Birmingham

Market data for Birmingham

Market data panel