Business Details
17 Years
experience
Your Trusted Mortgage Brokers in Birmingham
RM Mortgage Solutions is an independent mortgage brokerage firm based in Birmingham with over three decades of experience serving clients across the West Midlands. Our team of FCA-regulated advisors specialises in providing whole-of-market mortgage advice, tailoring solutions to individual client needs while maintaining a commitment to transparency and professionalism. We offer expertise in first-time buyer mortgages, buy-to-let investments, remortgaging, commercial mortgages, and equity release products. Our advisors combine extensive market knowledge with access to exclusive deals unavailable on the high street, ensuring clients receive competitive rates and personalised service. We prioritise long-term client relationships through ongoing support, regular reviews, and clear communication throughout the mortgage process. Our dedication to ethical practices and regulatory compliance has earned us a reputation as trusted advisors in the mortgage industry.
Services
First Time Buyer Mortgages
Buy-to-Let Mortgages
Remortgage Solutions
Bad Credit Mortgages
Commercial Mortgages
Equity Release Schemes
Contractor Mortgages
Bridging Finance
Life Insurance Protection
Served areas
- Sutton Coldfield, Tamworth, Birmingham, Lichfield, Coventry, Walsall, Wolverhampton, Solihull
Details
- Year established: 2009
Highlights and features
- 30+ years of mortgage market expertise across all property types
- Whole-of-market access to exclusive mortgage deals
- Dedicated advisors managing applications from start to finish
- FCA-regulated with proven track record of client satisfaction
- Specialist support for non-standard borrowers and complex cases
Associations and certifications
- Financial Conduct Authority
What people say
Exemplary throughout
Fantastic deal secured
Smooth and stress-free process
Knowledgeable and responsive advisors
Highly recommend to others
Services
First Time Buyer Mortgages
We specialise in guiding first-time buyers through the mortgage process with clear explanations and tailored solutions. Our advisors help clients understand deposit requirements, government schemes, and affordability criteria while securing competitive rates. With access to exclusive deals, we simplify the journey to homeownership while maintaining transparency about risks and responsibilities.
Buy-to-Let Mortgages
Our buy-to-let specialists provide comprehensive advice on investment property financing, including portfolio management and tax-efficient structures. We assess rental coverage requirements and source lenders accommodating different income tax bands. From initial application to completion, we streamline the process for both novice and experienced landlords seeking competitive investment mortgage products.
Remortgage Solutions
We help homeowners optimise their mortgage arrangements by reviewing existing deals and identifying better market options. Our team advises on equity release opportunities, interest rate transitions, and penalty calculations for early repayment. Through regular market analysis, we ensure clients secure improved terms while understanding all financial implications of remortgaging their property.
Bad Credit Mortgages
We assist clients with complex credit histories in securing mortgage approvals through specialist lenders. Our advisors evaluate individual circumstances including CCJs, defaults, and bankruptcy discharge timelines. By leveraging relationships with niche lenders, we create pathways to homeownership while providing practical advice on improving creditworthiness for better future terms.
Commercial Mortgages
Our commercial mortgage team offers tailored financing solutions for business property purchases and refinancing. We advise on lending criteria for offices, industrial units, and retail spaces while considering complex affordability assessments. With market expertise spanning traditional lenders and alternative finance options, we support businesses in securing appropriate commercial property financing.
People
Richard Moring
Director
With over 30 years in mortgage advisory services, Richard leads RM Mortgage Solutions' strategic direction while maintaining hands-on client involvement. His expertise spans complex mortgage structures and commercial financing solutions.
Chris
Senior Mortgage Advisor
Specialising in residential and buy-to-let mortgages, Chris has helped hundreds of clients achieve property goals. His strengths include problem-solving complex cases and securing competitive deals for first-time buyers and investors.
Questions
What types of mortgages do you offer?
We provide first-time buyer, buy-to-let, remortgage, commercial, bridging, equity release, and adverse credit mortgages through our whole-of-market panel of lenders.
Can I get a mortgage with bad credit?
Yes, we work with specialist lenders offering mortgages for clients with CCJs, defaults, or past bankruptcy. Our advisors help improve approval chances through tailored lender matching.
How much can I borrow for a mortgage?
Borrowing capacity depends on income, outgoings, and credit history. While 4.5x income is a guideline, our advisors use advanced affordability tools to determine precise estimates.
What documents do I need for a mortgage application?
Typical requirements include ID, proof of address, three months' bank statements, and income verification through payslips or tax documents for employed/self-employed applicants.
Do you offer equity release options?
Yes, we provide lifetime mortgages, drawdown options, and home reversion plans for clients seeking to release equity from their property while understanding associated implications.
How long does mortgage approval take?
Approval times vary from days to weeks depending on property type, lender requirements, and application complexity. Our team expedites processes through proactive lender communication.
Reviews (8)
Shannon Maguire
Oct 02, 2024
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Chris at RM Mortgage Solutions Ltd was an incredible help in securing a mortgage for our first home. As first-time buyers, we were uncertain about how everything worked, but Chris guided us through each step, patiently answering all our questions. He took the time to explain everything in detail and was consistently quick to respond, keeping us updated throughout the entire process. I couldn't recommend Chris highly enough to anyone looking for a mortgage!
Gail Maguire
Aug 23, 2024
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We had an excellent experience with Chris from RM Mortgage Solutions. My husband and I, decided on having a remortgage, which ended up being an extremely complicated situation, we thought we were never going to find a lender.
Thankfully, Chris was amazing at finding us a mortgage for a non traditional build with our credit scores. He helped us through the process and made it a lot easier for us through explaining how it will work step by step, consistently keeping us up to date, offering guidance and support, especially when things were a bit difficult.
If I could give Chris more than 5 stars, I would. I cannot recommend him and his expertise enough! He is also currently handling my daughter and her partners mortgage as first time buyers, and the process has been stress free for them, thanks to Chris.
Thankfully, Chris was amazing at finding us a mortgage for a non traditional build with our credit scores. He helped us through the process and made it a lot easier for us through explaining how it will work step by step, consistently keeping us up to date, offering guidance and support, especially when things were a bit difficult.
If I could give Chris more than 5 stars, I would. I cannot recommend him and his expertise enough! He is also currently handling my daughter and her partners mortgage as first time buyers, and the process has been stress free for them, thanks to Chris.
Deborah Brown
Dec 26, 2019
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Very happy with the service received, Jo went above and beyond in order to help us secure the right mortgage and was very helpful along the stressful journey.
Matthew Williams
Dec 26, 2019
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We were so pleased that we had Richard to sort out our mortgage. He spoke to us in plain English and not the jargon that other advisors confused us with. He took care of all the problems that arose with ease. Won't hesitate to use him again. Thank you again.
Tony Smith
Dec 26, 2019
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Richard was very friendly and informative, offered excellent advice and quickly obtained my mortgage. I have already recommended him to numerous friends and colleagues and would definitely use his services again in the future.
Darren Thompson
Dec 26, 2019
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Richard was very professional yet friendly and helpful, prepared to answer any queries I had no matter how trivial. Everything was explained in easy to understand terms and made what could have been a stressful process very easy. Would not hesitate to recommend RM Mortgage Solutions to friends or family.
James Wright
Dec 26, 2019
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RM Mortgage Solutions have helped me a few times now. Richard always provides a good personal service. On hand to answer queries and very knowledgeable. Will definitely continue to use them.
Rickie Bott
Dec 26, 2019
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RM Mortgage Solutions were excellent. Richard took his time explaining everything to us in a way we could understand and we were kept informed as to the status of our application throughout. All our questions were answered and Richards knowledge of the products and mortgage market was very impressive. We have a good mortgage at a great rate. We cant thank RM Mortgage Solutions enough.