Fitch & Fitch
Birmingham
Mortgage advice covering bad / adverse credit, later life / equity release, commercial and 3 more. Fitch & Fitch charges a broker fee.
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About Fitch & Fitch
Fitch & Fitch is a UK mortgage broker based in Birmingham. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, later life lending. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Fitch & Fitch records 6 areas of advice from its base in Birmingham: bad / adverse credit, later life / equity release, commercial, buy-to-let, first-time buyers and residential.
Pairing first-time-buyer work with adverse credit is worth noting: a thin or damaged credit file is the single most common reason a first purchase falls over, and it needs a lender chosen for that rather than for its rate.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideLater Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Adverse credit is also covered, which is the usual sticking point on a first application.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
Read the residential guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Fitch & Fitch
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 5What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 6How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 7Do you see clients at your Birmingham office, or is this handled by phone and video?
Getting in touch with Fitch & Fitch
Fitch & Fitch lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
Does Fitch & Fitch charge a fee for mortgage advice?
Yes. Fitch & Fitch is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Fitch & Fitch handle?
Fitch & Fitch records bad / adverse credit, later life / equity release, commercial, buy-to-let, first-time buyers and residential, working from Birmingham. Ask anyway if your case sits outside that list.
Can Fitch & Fitch help if I have bad credit?
Fitch & Fitch lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does Fitch & Fitch only cover Birmingham?
Fitch & Fitch is listed in Birmingham, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Birmingham on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.