JUL
27

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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 West Bromwich

TWM

9 Castle Court 2, Dudley DY1 4RH, UK – 01384 458119

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around West Bromwich.
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.
TSB Bank

21 Birmingham St, Oldbury B69 4DT, UK – 0121 307 9985

Very friendly and good place. Staff members are always professional and very friendly. A lovely place. I know this because I have visited this place more than 100 times during last 7-8 years timeline. Never had any problems and always get good advice. Very good bank TSB bank and offers lot of promotional offers to me as their customers.

Excellent service and as a bank I cannot recommend enough. I hope to keep receiving this quality of service Thank you.

HSBC

328 High St, West Bromwich B70 8DJ, UK – 0345 740 4404

I needed assistance with a problem and had all the help I needed by a polite young man.

not always useful

Barclays Bank

17 Church Square, Oldbury B69 4DX, UK – 0345 734 5345

Maybe if people weren't so stupid they wouldn't have problems and have to leave bad reviews. Banks perfectly fine, sometimes there's a queue but Google does tell what you times are busiest. It isn't hard to look up. The staff have always been polite. My only problem so far was that one cashier said I couldn't pay money into my mother's account for her when two other cashiers said I could. Bit confusing but nothing to kick up a fuss about.

Usually have to queue.staff helpful and friendly.

Banks

Lloyds Bank

293 High St, West Bromwich B70 8NA, UK – 0345 300 0000

Staff a very helpful and understanding to your needs. I was dealt with by a lovely lady called Pam! Treated me like a human being and was amazing at her job. I'm very thankful for the support she has given me :)

Not writing a review of this place as staff want me not to .

Halifax

253 High St, Duchess Parade, West Bromwich B70 7LX, UK – 0345 600 3934

usually ok and helpful staff but went in today and the new young girl behind the counter was rude and arrogant and had no manners should employ better staff

A small yet efficient branch

Barclays Bank

313 High St, West Bromwich B70 8LU, UK – 0345 734 5345

My wife had opened an account here yesterday. She didn't bring the right identification with her. Mrs Karen Cebo told an assistant if we came in again to let her know. We found the extra information required and now she has got the bank account she has wanted. Highly recommended bank and very helpful staff.

Helpful staff.not too long to wait in week.busy Fridays.

Building Societies

the West Brom - West Bromwich Building Society

25 Birmingham St, Oldbury B69 4DY, UK – 0345 241 7344

Brilliant service

the West Brom - West Bromwich Building Society

20-21 High St, Rowley Regis B65 0DR, UK – 0345 241 7214

My building society for many years ,Vary good customer service from staff

Nice people

the West Brom - West Bromwich Building Society

2 Owen St, Tipton DY4 8EZ, UK – 0345 241 7348

My mother had an account with them. Smaller version of the west Bromwich building society. Helpful and friendly staff.

Very helpful and polite always got time for the customer

Mortgage Brokers

Friends Advisers Ltd

462A High St, West Bromwich B70 9LD, UK – 0121 553 5584

Thank you very much Friends Advisers Ltd. Great communication skills, very professional and also friendly. Thank you Leszek Jurkiewicz for my mortage application to be completed sooner than anticipated. Highly recommended service. Thank you.

Fantastic service, very good contact. The team is very helpful and kind, working as fast as they can. I would highly recommend!! Thank you so much!!

Mortgage Advice UK Ltd

162 Halesowen Rd, Cradley Heath B64 5RR, UK – 01384 412888

Black Country Mortgages

22 Oakham Rd, Dudley DY2 7TB, UK – 01384 258498

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 West Bromwich.

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 St Francis Xavier R C Primary School 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.

Mortgages

Mortgage Advice Bureau

51 Oak Rd, West Bromwich B70 8HR, UK – 07887 990409

A quick and rapid response! We put a offer on a house and had to Exchange as soon as possible. Gurpal helped from start to finish.

Called for advice, gave me honest and accurate advice to help me secure a mortgage in the future. Very efficient service as called me back within a hour. Highly recommended!

ATM

328 High St, West Bromwich B70 8DJ, UK

HSBC

328 High St, West Bromwich B70 8DJ, UK – 0345 740 4404

I needed assistance with a problem and had all the help I needed by a polite young man.

not always useful

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