Whole-of-market broker · Birmingham

Your first home is closer than you think.

Mortgages feel complicated because banks make them sound complicated. We don't. Tell us about you, and we'll search over 90 lenders, translate every scrap of jargon and handle the paperwork, all without charging you a penny on standard mortgages.

Book a free chat How much could I borrow?
  • Fee free on standard mortgages
  • Evening and Saturday appointments
  • First-timer friendly, always
A Brightpath adviser talking a young couple through their mortgage options at a bright desk
24htypical wait for an agreement in principle
£0broker fee, we're paid by the lender

Your options

Whatever brings you here, there's a path

Six clear routes, one friendly team. Pick yours and we'll take it from there.

First Time Buyers

Never done this before? Perfect, that's our favourite kind of customer. We'll explain everything in plain English, from deposits to completion day.

Home Movers

Moving up, down or sideways. We'll line up your new mortgage so the chain keeps moving and you're never the hold-up.

Remortgages

Your fixed rate is ending and your lender's default deal is rarely the best one. We'll check the whole market before you pay a penny more.

Buy to Let

First rental or growing portfolio, we'll find lenders who like your numbers and structure things sensibly from day one.

Self-Employed

Sole trader, contractor or company director? Some lenders get it, many don't. We know exactly which is which.

Protection & Insurance

Life cover, income protection and buildings insurance, explained without the scare tactics, so your home stays yours whatever happens.

A small model house beside a set of keys and mortgage paperwork on a desk

Borrowing power

How much could I borrow?

Online calculators guess. We actually check. In one free chat we'll look at your income, your outgoings and your deposit, then tell you a realistic figure, the monthly cost, and what would nudge it higher.

  • A real number, not a range. Based on the lenders most likely to say yes to someone like you.
  • Deposit demystified. Many of our first-time buyers start with a 5% deposit, and gifted deposits from family are fine.
  • Credit score check-up. Small fixes now can unlock better rates in a few months.
  • No obligation, ever. If now isn't the right time to buy, we'll say so and tell you what to do next.
Find out your number

Your journey

From first chat to front door in four steps

You do the dreaming and the viewing. We do the phoning, the forms and the chasing.

  1. 1

    Free chat

    Thirty relaxed minutes, in person, by phone or by video. No forms, no pressure, just an honest picture of where you stand.

    30 minutes, on us
  2. 2

    Agreement in principle

    We get a lender to confirm, in writing, roughly what they'd lend you. Estate agents take you seriously from your very first viewing.

    Typically within 24 hours
  3. 3

    Application handled

    Found the one? We submit the full application, deal with the lender, the solicitor and the valuer, and keep you posted every step.

    We do the chasing
  4. 4

    Keys in hand

    Completion day. The money moves, the keys are yours, and we'll check in before your rate ends so you never drift onto a bad deal.

    Welcome home

Jargon buster

Mortgage-speak, translated

Nobody is born knowing this stuff. Here are the terms you'll hear most, in actual English.

AIP

Agreement in principle

A lender saying "based on a quick look, we'd probably lend you this much." It isn't a promise, but it shows sellers you're serious.

LTV

Loan to value

How much of the property's price you're borrowing. A £190,000 loan on a £200,000 home is 95% LTV. Lower LTV usually means better rates.

Fixed rate

Fixed rate

Your interest rate, and so your monthly payment, stays exactly the same for a set period, usually two or five years. No surprises.

SVR

Standard variable rate

The expensive default rate you slide onto when your deal ends. Our job is to make sure you never pay it a day longer than you have to.

A happy young couple holding their new keys outside a red-brick terraced house

Chloe and Sam, first-time buyers in Kings Heath

First-timer stories

They thought it was impossible too

"We'd been told renting was all we could afford. One chat with Brightpath and we had an agreement in principle the next day. Nine weeks later we were carrying boxes into our own house. I still can't quite believe it."

Chloe, first-time buyer, Kings Heath

"I'm self-employed and every bank I tried online said no. Brightpath knew exactly which lender would understand my accounts, and they explained every single term before I signed anything. Zero jargon, zero stress."

Amara, first-time buyer, Erdington

"As two nervous first-timers with a 5% deposit, we expected to be laughed out of the room. Instead we got patience, honesty and a mortgage that costs less than our old rent."

Brightpath Mortgages is authorised and regulated. We offer whole-of-market mortgage advice and there is no broker fee on standard mortgages, as we are paid a commission by the lender. Where a fee applies, for example on some specialist cases, we will always tell you the exact amount in writing before you commit to anything.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Book a free chat

Let's find your path

Thirty minutes, no forms in advance, no obligation. Call us, or send the form and we'll ring you back the same working day.

0121 496 0388

Brightpath Mortgages
21 Frederick Street, Jewellery Quarter
Birmingham B1 3HE
Monday to Thursday
9:00am to 8:00pm
Friday
9:00am to 5:30pm
Saturday
9:00am to 1:00pm
Sunday
Closed

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