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0121 733 8833
wythall:  01564 829 787
0121 742 3344

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Frequently Asked Questions
Our ethos

As professional mortgage brokers in Solihull and surrounds, our vision is the same now as it was when we set up in 2003 – to provide a highly personal service, building on our core values of honesty, integrity, and approachability.

What is a mortgage broker?

A mortgage broker is someone who can access a wide range of mortgage products across a variety of lenders and can present a range of options to you, suitable for your needs.

Using a mortgage advisor is much quicker than visiting multiple high street banks or building societies and can save you hours of time on the internet searching for deals, only to find out that you may not meet the lender’s eligibility criteria.

Do I need to use a mortgage broker?

You don’t have to – you can liaise directly with many banks and building societies yourself. But do you know if they will offer you the best rates?

Will you be speaking to the same person every time?

Do you trust the call centre operative you’re speaking to?

Will you know all the questions to ask about rate changes, early repayment charges, portable mortgages, buy to let mortgage criteria, arrangement fees, eligibility criteria?

Do you have the time to liaise with the lender as your application progresses or if there are issues with your mortgage valuation?

That’s why working with us is the easiest, safest, and most trusted way to secure the most appropriate mortgage deal for you.

Why should I work with Oak Tree Mortgages?

There are many advantages of working with us, including:

  • No live chats, call centres, or being passed from person to person. You’ll deal with just one person who will work with you throughout the process. We’ll do your application, upload all the documents, deal with the lender, and answer all your questions. 
  • Bespoke recommendations, suited to your personal circumstances. Our specialist software allows us to search through hundreds of lenders and mortgage products quickly and efficiently, in order to find the most suitable mortgage product for you.
  • A smooth and efficient process. We all know buying and moving home can be an incredibly stressful experience. We’re here to make it that little bit easier. Our extensive experience of the mortgage market means that we know what information lenders need, their eligibility criteria, and which lenders are flexible, which means we can process your application quickly and effectively.
  • The majority of our clients do not incur a fee from us. The only time this is required is if the loan amount is under £100,000 or if we are arranging a Buy to Let mortgage. We are paid a fee by the lender, but we are not tied to any lender and this fee is not passed onto our clients.
What are your fees?

In most instances, we do not charge you any fees at all, as we receive a commission from the lender for arranging the mortgage. We would only need to charge you a fee if:

  • We don’t charge a broker fee if we arrange a renewal with your existing mortgage lender, which is sometimes known as a Product Transfer.
  • For most residential purchase or remortgage applications, we don’t charge a fee. A broker fee may be charged if the loan amount is under £100,000. If the loan amount is between £60,001 and £100,000, our broker fee is £249. If the loan is under £60,000, the fee is £349.
  • For buy-to-let purchase and remortgage applications, we charge a broker fee of £349 if the loan amount is less than £60,000 and £249 for all other loans.

As we always work in the customers’ best interests, sometimes we advise them not to change their current arrangements. In this case, we don’t receive a commission from the mortgage lender and for those clients who would like to contribute, we ask instead that they make a small donation to Shelter – our chosen charity. Each year, with the support of our customers, we help around 500 people achieve their dream of owning their own home.

The security and happiness this brings is something many of us take for granted. Yet, in the West Midlands, around 1500 families are homeless with many more affected by poor housing. Shelter provides advice, representation, and support to those in need as well as campaigning for political change to tackle the causes of homelessness.

Do we meet in person or online?

We prefer to meet on Zoom via video link. This is time efficient and offers most people a lot of flexibility. It saves any rush to get to our office and parking issues. We can share our screen with you, so you will be as involved as if you were sat in one of our offices. For some people, meeting in person is important, so if you prefer an in person meeting, please make this clear when you book your meeting.

How do I arrange my first meeting with you?

Use our ‘Book Now’ link to arrange a convenient appointment. However if you need to make a face-to-face meeting please call us on 0121 733 8833 to arrange a meeting at our Solihull office in Shirley.

Do you work with every lender in the UK?

We work with most of them but there are a few that don’t work with mortgage brokers, such as First Direct.


Shirley Office


Sheldon Office