We've rebranded! Formerly known as Green Mortgages

We've rebranded! Formerly known as Green Mortgages

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Welcome to Proper Advice

Mortgage Broker in Birmingham

Welcome to Proper Advice, the leading mortgage broker in Birmingham. From our satellite branch in the wonderful second city, we help first-time buyers, home movers, those looking to remortgage and those seeking debt consolidation services in Birmingham and surrounding areas like West Bromwich, Dudley, Solihull, Halesowen and Smethwick.

This is no easy feat, as buyers in this area must navigate one of the most competitive markets in the country, which can be made simpler with our relationship to over 90 specialist lenders.
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I'm looking to Remortgage
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Trusted by over 1,500 satisfied customers on Google and Trustpilot
Rated 'Excellent'
4.9

Why Choose Proper Advice for Mortgage Advice in Birmingham?

Proper Advice provides comprehensive mortgage advice, giving you access to high street banks, building societies and specialist lenders. Our experienced mortgage advisors support clients across Birmingham and surrounding areas, helping you navigate your mortgage options with confidence.

With in-depth knowledge of Birmingham’s fast-moving property market, we understand the importance of responsive, tailored advice when securing the right mortgage for your circumstances and property purchase.
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The Bull Ring Birmingham

Helping Buyers and Homeowners in Birmingham

Birmingham’s active property market creates opportunities for buyers and movers, but rising demand can make affordability challenging, particularly for first-time buyers. Understanding property prices, deposits and borrowing options is essential.

Areas including Edgbaston, Harborne, Moseley, Sutton Coldfield, Solihull and other nearby areas attract buyers with different budgets and priorities.

Homeowners are also increasingly seeking remortgaging advice to review their options as deals end, interest rates change and more. Obtaining professional mortgage advice can help Birmingham buyers navigate a competitive market and find suitable lending options, and the experts here at Proper Advice.

Our Birmingham Mortgage Services

From first-time buyer mortgages to remortgaging and buy-to-let, Proper Advice’s Birmingham mortgage services are designed around your individual circumstances.

Explore our specialist services below to find the right support for your mortgage needs.
Mortgage Services

Remortgage and Debt Consolidation Specialists in Birmingham

If your current mortgage no longer suits your circumstances, our Birmingham mortgage advisers can help you explore your options. We provide tailored advice to help homeowners reduce monthly repayments, remortgage with confidence and consider debt consolidation where appropriate.

Whether your finances are relatively straightforward or more complex or extensive, we’ll take the time to understand your situation and guide you towards a mortgage solution that works for you.

Remortgages

We can help you switch to a better rate, reduce your monthly payments or release equity from your home.
Learn more

Debt Consolidation Mortgages

Looking to consolidate multiple debts into one, single monthly payment? We'll help to find you the best deal.
Learn more

Perks of working with Proper Advice

Working with an experienced mortgage broker in Manchester can help make the mortgage process simpler, clearer and more efficient.
Whole-of-market access
We search across a wide range of the 90+ mortgage lenders we have relationships with to find options that suit your needs, rather than being tied to a single provider.
Experienced mortgage advisers
Our experienced mortgage advisors take the time to understand your circumstances and provide clear, tailored advice from application through to completion.
FCA regulated
Enjoy the confidence of knowing you’re dealing with an FCA-regulated mortgage broker committed to providing professional, responsible advice.
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Support for employed and self-employed applicants
Employed, self-employed, a contractor or have a different income structure, we can help you understand your options.
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Experience with complex cases
Our team has experience helping clients find suitable mortgage solutions when a high-street lender may not be the right fit.
Weekly Interest Rate Reviews
During your application, we review your rate weekly to help make sure you complete on the best interest rate possible, including where specialist lenders may be required for more complex cases.

How it works

At a high level, this is how your mortgage or remortgage journey with the Proper Advice team will look. We make sure that it is as simple and straightforward as possible, ensuring you are kept informed throughout.
1
Review
We’ll review your circumstances, income, existing mortgage and financial commitments, while carrying out the relevant affordability checks. Our team will also assess your documents and search the market for suitable mortgage options.
2
Decide
Once we understand your requirements, our advisers will explain your options and help you choose the right route forward. Where appropriate, we can help you obtain an Agreement in Principle (AIP), giving you an indication of how much you could borrow before making a full application.
3
Apply
When you’re ready to proceed, we’ll match you with a suitable lender and handle your mortgage application from start to finish. We’ll manage the paperwork, liaise with the lender and help keep everything moving through the underwriting process.
4
Complete
We’ll support you through the final stages, working with your lender and solicitor to make sure everything is in place for completion. Whether you’re buying new or remortgaging, we’ll keep you updated so you know what to expect at every step.

Why Birmingham Clients Choose Remote Mortgage Advice

There is no need to take time out of your schedule to come down to an office for expert mortgage advice. Our telephone and video appointments make it easier than ever to benefit from the experts here at Proper Advice. Our team is happy to offer flexible appointments to suit you, making us the premier choice for busy professionals and families.

Wherever you’re based, you’ll receive the same personal, expert support throughout your mortgage journey, without the need to fit office visits into an already busy schedule.
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Meet our Birmingham Mortgage Team

Say hello to the hard-working mortgage experts who are here to secure you the best outcome possible!
Michael Kallaras
Managing Director
Nina Dodd
Mortgage Case Manager
Harry Power
Director
Tom Lewney
Mortgage & Protection Advisor
Amy Harley
Mortgage Case Manager
Jack Power
Co-Founder
Georgia Brown
Mortgage Case Manager
Jayke Turner
Broker Support
Ciarán Power
Operations Manager
Emma Hughes
Mortgage Case Manager
Mia Lowey
Compliance Manager
Jack Wareing
New Business Consultant
Conor Goodwin
New Business Consultant

How it works

At a high level, this is how your mortgage experience with us will look. We make it as simple and straightforward as possible, ensuring you are kept informed throughout.
1
Review
We'll review your situation in full, analyse some basic documents and provide the best deals on the market for your circumstances.
2
Decide
Our advisors will help you determine the best route forward to ensure that you are getting the most out of your mortgage!
3
Apply
We'll handle the full application process from beginning to end, dealing with the lender and solicitors. You can sit back and relax while we take care of you.
4
Complete
We'll ensure everything is lined up for completion day so that you can look forward with excitement to your new mortgage.
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Frequently Asked Questions

A mortgage broker can offer personalised guidance, compare lenders on your behalf and manage the application process, helping you find suitable mortgage options with greater confidence.

Absolutely. We can guide Birmingham homeowners through their remortgage options, helping you assess available deals and choose a solution suited to your circumstances.

Not at all. Our mortgage advice is available remotely by phone or video, giving you convenient access to expert guidance without travelling to an office.

All of our initial consultations, document reviews, quotes and product finding are totally free. We want to ensure you are fully informed about your options at all times, and will never tie you in to dealing with us if you prefer to look elsewhere.

In relation to mortgage fees, there may be arrangement, product, valuation or application fees tied to your new product. We will lay these out in full for you before any application and there is no obligation to proceed beyond our initial conversations if you don't want to!

There may also be legal fees due to the conveyancer/solicitors, but sometimes lenders offer free legal services. You can often choose whether you would prefer a paid legal service (often quicker with better service) or a free one (which may add a week or two to the process).

Getting in touch has never been easier.

Whether you prefer to call, text, email or fill out our simple online forms, we're only a stone's throw away from helping you find the solution you deserve. Click below to get in touch.
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