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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release. 

Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.

Independent Financial Advisers - IFAs Birmingham

Newstead Clark Financial Services Ltd

139 Hagley Rd, Birmingham B16 8UA, UK – 0121 452 1511

Great customer service and sound advice from Rob, backed up by his excellent administration team.

Rob has always been there for us giving excellent advice whenever we need it. Highly recommended by my partner and I

Clear Solutions Wealth & Tax Management Ltd (Birmingham)

114 The Argent Centre/, 60 Frederick St, Birmingham B1 3HS, UK – 0121 631 3519

I have recently been looking at the financial planning process and seeking a firm that delivers this in a comprehensive manner. Having reviewed several providers and looked at the depth of financial planning undertaken, I was impressed by the professionalism and comprehensive process being proposed by Clear Solutions. This sets them apart from other providers and offers me a comprehensive look into the future in terms of financial planning.

E F G Independent Financial Advisers Ltd

33 Great Charles Street Queensway, Birmingham B3 3JN, UK – 0121 200 2255

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Birmingham.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.

Crowd Funding and Business Loans

We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.

Read current articles in MoneyWeek magazine.

2 St Philip's Pl, Birmingham B3 2RB, UK – 0121 607 8033

Great and prestigious bank to bank with and there is always some one to speak to.

Unity Trust Bank

9 Brindley Pl, Birmingham B1 2HB, UK – 0345 140 1000

All the 1* reviews on here have no substance or explanation. I've been doing business with Unity Trust for years and am extremely happy with the service that they provide.

Excellent banking service for cooperatives, social enterprises, charities, trade unions, credit unions.

TSB Bank

538 Stratford Rd, Sparkhill, Birmingham B11 4BD, UK – 0121 307 9981

They need to clean their car park. It’s full of rubbish everywhere.

Busy branch. I prefer the one in Sheldon


Al Rayan Bank

394 Coventry Rd, Birmingham B10 0UF, UK – 0800 408 6417

friendly staff, welcoming environment, short ques

I came here from Smallheathschool and it is absolutely fantastic :)


a, 112 High St, Birmingham B14 7LG, UK – 0845 788 8444

My partner and I went into Natwest in Kings Heath in regards to looking for a mortgage. We spoke to Caroline who couldn’t have been more helpful. Caroline was professional, easy to speak to and provided us with all the information we needed. Caroline is a credit to Natwest!

Brilliant bank and very helpful staff. i have used kingsheath natwest for years and they have always been brilliant. 10 out of 10 and could not recommend them enough

Barclays Bank

15 Colmore Row, Birmingham B3 2BH, UK – 0345 734 5345

After a 3 month struggle I finally managed to open my first bank account since moving to the UK. After my initial appointment at another branch my Tenancy Agreement was rejected as insufficient proof of address and I was given advise for 3 other documents I could use that should allow me to open a bank account. In February I had an appointment at this branch with Mr. Sam Allen-Ralph and I presented him with 2 of the 3 options I was advised to bring: a letter from the city council confirming my registration to vote; and a bank statement from my bank in The Netherlands with my UK address on it. The third option I was advised was a provisional driver's license which I am not able to apply for at the moment. Mr. Allen-Ralph rejected my documents on the grounds that the letter from the city council is not sufficient and I need an actual election poll (which happens once in 4 years) and the letter from my Dutch bank had my address printed on a different page than the actual bank statement. I was denied a bank account that day. A week or two later, upon advise from friends I went back to the same office to ask for further explanation. A young assistant helped me and after I explained my story she took my papers and went to the back to ask her colleagues whether these would be accepted. She came back and informed me that her colleague had stated that my documents are sufficient proof of address and that I am eligible to open a bank account with them. Coincidentally it turned out that the colleague she had spoken to in the back was no other than Mr. Sam Allen-Ralph, the one who rejected my documents last time and sent me away. When he came out to the front and she asked him about the situation, he claimed not to remember me and that he believes my provided documents should be sufficient for me to be able to open a bank account. He didn't even look me in the eye when he said it. I was booked an appointment in 2 weeks with Mrs. Sarah Wallis who was written a note, explaining my situation and informing her that my documents have been approved for me to open a bank account. Eventually, after 3 months of struggles in March I finally had a bank account. And I had a very lovely chat with Mrs. Sarah Wallis to top it all off about life and other things. This experience has been very frustrating and it certainly didn't make my start of a new life in the UK any easier. Thank you, Barclays. Thank you, Mr. Allen-Ralph.

Best bank you can have

Building Societies

the West Brom - West Bromwich Building Society

102-104 High St, Birmingham B14 7JZ, UK – 0345 241 7330

Decent mortgage rates


357 Coventry Rd, Birmingham B10 0SN, UK – 0800 554 0515

Excellent services. Only downside is traffic and parking.

I opened an account and the customer service was amazing and the staff were helpful

Leeds Building Society

33-35 Corporation St, Birmingham B2 4LS, UK – 0121 643 6722

Mortgage Brokers

Perfect Mortgage Solutions

1 College Rd, Birmingham B13 9LS, UK – 0121 778 6217

Friendly, helpful and have taken the stress out of getting a mortgage. Highly recommend!

Great company, made getting a mortgage so much easier and less stressful. Would highly recommend to anyone.

Greenfield Finance

Bank House, 8 Cherry St, Birmingham B2 5AL, UK – 0121 270 6344

Green Filed Capital was able to provide a business bridging loan when my bank could not. Completed on time, at a better rate then other banks offered. Would recommend to any business wanting to expand

Capex Finance

Church Court, Cox St, Birmingham B3 1RD, UK – 0121 262 6520

Pleasure to deal with

Mortgage Brokers - Key Questions

How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Birmingham.

Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.  

How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Al that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.

Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.


Clear Your Mortgage

Neville House, 42-46 Hagley Rd, Birmingham B16 8PE, UK – 0330 043 9896

Thank you Clear your Mortgage. I paid £120 in order to get a legal opinion as to whether my mortgage With Santander had been securitised. Santander refused to reply to Clear your mortgage until they threatened them with legal action. Guess what? Eventually I received a letter confirming that my mortgage had been securitised. My case has now gone on to stage 2 and is being dealt with by the Lawyers. I was initially planning to go to another company and £260 for this service so I am pretty happy to have saved so much and got a top class service. Well done to Shaid at Clear your mortgage. 👍👏

Zakir's Mortgages

Beach Ave, Stoney Ln, Birmingham B12 8AH, UK

Mortgage Circle

Fairgate House, 205 Kings Rd, Birmingham B11 2AA, UK – 0121 572 0675

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