Residential & Commercial Mortgage Broker

Guiding the Sikh & Punjabi community to the best mortgages

Rated Excellent 5 out of 5 Google Reviews

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Awarded “Best Mortgage Broker Midlands” by the Mortgage Times

As seen on:

ITV
GB News
Google Rating
CeMAP
Black Country Chamber of Commerce
TMG mortgage network

Meet Some of Our Mortgage Lenders

We partner with credible lenders to secure the perfect mortgage solution.

I’d like to…

None of the above describe you exactly? No problem, whilst these describe the people we most commonly work we’ve delivered solutions for all sorts of businesses & individuals so click or press here to let us know how we can help you

Our Commercial Mortgage Services

Bridging Loans

Bridging Loans

Short-term loans used to cover gaps in financing for commercial property transactions.

Financial Protection

Financial Protection

Refers to insurance or risk management strategies to safeguard investments and assets.

Self-Employed Mortgages

Self-Employed Mortgages

Tailored financing solutions for individuals who own and operate their businesses, accounting for variable income sources.

Buy To Let Mortgages

Buy To Let Mortgages

Loans designed for investors purchasing properties to generate rental income and potential capital gains.

Commercial Loans

Commercial Loans

Financial products facilitating the purchase or refinancing of income-generating commercial properties.

Development Funding

Development Funding

Financing for property development projects, including construction or renovation of commercial properties.

Our Residential Mortgage Services

Residential Mortgages

Residential Mortgages

Loans for purchasing or refinancing residential properties, typically for personal or family use.

Residential Remortgages

Residential Remortgages

Involves switching your existing mortgage to a new lender or product to potentially secure better terms or rates.

Second Charge Lending

Second Charge Lending

A secondary loan secured against your property, often used for home improvements or debt consolidation.

Self-Employed Mortgages

Self-Employed Mortgages

Tailored residential mortgages for individuals with variable income sources or those who own and operate their businesses.

Buy To Let Mortgages

Buy To Let Mortgages

Financing for residential properties acquired with the intention of generating rental income.

Financial Protection

Financial Protection

Strategies to safeguard investments and assets through insurance and risk management measures.

Key Features & Benefits

Key Features & Benefits

Expertise

Expertise:

To guide borrowers in choosing the right mortgage option for their situation

Time & Convenience

Time & Convenience:

Handle all paperwork and communicate with lender.

Choice & Savings

Choice & Savings:

Access to multiple options from multiple lenders to compare to get the best terms of rates

Financial Protection

Financial Protection:

Of debts, by providing insurance products to ensure peace of mind

Tailored financial advice

Tailored financial advice:

Personalised service, specific to clients goals, credit history

How it works

The Mortgage Process

Initial Consultation

Initial Consultation

Reach out to Gurdip for your free initial consultation. Here, you'll discuss your mortgage needs, whether residential or commercial. This is an opportunity to understand your financial position, property aspirations, and to answer any preliminary questions you may have.

Tailored Mortgage Plan

Tailored Mortgage Plan

Gurdip will analyse your specific needs, financial status, and market trends to create a customised mortgage plan for you. He'll help you understand the potential deals available to you, explaining each detail from interest rates to terms and conditions.

Secure Your Mortgage

Secure Your Mortgage

With the tailored mortgage plan, Gurdip will guide you through the application process, ensuring all requirements are met. Once approved, he will finalise the deal, securing your mortgage at the most competitive rate. Now, you're ready to make that property purchase!

Ongoing Support

Ongoing Support

Even after the deal is done, Gurdip is there for you. He'll be available for ongoing advice and will proactively reach out with opportunities to reevaluate your mortgage as market conditions change, ensuring you always have the best deal

Testimonials

Our clients love us

Rated Excellent 5 out of 5

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Aamir Sattar

09/08/2023

"A very seamless process. Managed to get me a mortgage without much chasing. Very efficient and professional and kept me updated as best as possible. Without realizing and in a few days a mortgage was secured without any hassle or stress. Definitely recommend using their services as cannot fault them one bit. Will definitely be using again if needed!"

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Abdul Sattar

09/08/2023

"Upon my nephew's recommendation I used Gurdip to secure a mortgage. He provided an excellent service and secured a mortgage for my son in what is a real challenging marketplace. Brilliant service, will recommend to others."

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Jag S

06/07/2023

"Highly recommended for mortgage services and financial advice. Gurdip is really knowledgeable and provided me with expert advice as a first-time buyer. Gurdip was clear and transparent throughout the whole process. I would without doubt recommend Gurdip to anyone who's looking for financial advice. My Process has been a bumpy ride. However, Gurdip has always been transparent throughout and offered the best advice."

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Vasu Dev

06/07/2023

"Very nice and very quick service staff very helpful"

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Saniyah malik

30/06/2023

"Gurdip was extremely helpful throughout the purchase of our new home. He was professional and he always went above and beyond to help us throughout the lengthy process."

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Imran Arshad

30/06/2023

"I’d recommend Gurdip and his team to anyone who is in need of financial help.
I’d approached a couple of companies but found Gurdip and his team most responsive and helpful. The pain of checks and running around was taken from us and very clear and precise choices given on mortgages at a fast turnaround. Process was smooth and I’ve since recommended to many family and friends. If you want to find genuine helpful people for mortgages, life insurance policies or more then look no further."

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B11UP

29/06/2023

"Genuinely a fabulous service from Gurdip and his team. I have used other brokers before but hands down, Gurdip is one of the best I have come across. Efficient and great value for money. Look forward to working with him again in the future!"

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Jax Evitts

29/06/2023

"Good, solid, sound advice. I will be coming back again when I need to speak about money matters."

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Laskar Laskar

07/03/2023

"Gurdip and his team are outstanding. They have been amazing with dealing, advising to what ever fits in with your needs in finding the best Mortgage deals. The customer service that they provide is the outstanding, they give you the best service and go above and beyond to provide the best to your requirements. They are prompt in dealing with any request. G S Pathay is very clear with his advice, and ensures you understand process and looks for the best deals. G S Pathay and his team are very professional. If I could give them more stars I would. Amazing work, amazing team. Highly recommended and thank you"

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Nigel Burton

27/08/2021

"Was put in touch with Gurdip and his team through the Unbiased website, so glad we were as from the initial consultation with Gurdip and his team the service was excellent. Our needs were discussed, the product knowledge was tailored to our specific needs, we were kept informed & supported throughout the whole process until our completion date, totally professional and would definitely recommend to others."

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Loretta Birch

30/07/2021

"First Class Service! Friendly, courteous & hassle free professional service. I highly recommend, Gurdip and his team to anyone seeking expert mortgage advice, I found them to be incredibly knowledgeable, diligent & thorough. Will definitely use their services again."

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Julie Foden

21/07/2021

"I had a fantastic service from Gurdip and his team. My mortgage need was a complicated one but Gurdip made sure I had the best possible chance of getting the best deal. At the start of my application my credit rating wasn't great and I wasn't sure if I would get a good rate. It's all completed now and I have an affordable deal, with a High Street bank and an excellent credit rating. I would absolutely recommend Gurdip and his team for a professional yet friendly service. They are very responsive and totally transparent. Thank you."

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Matt Amie Davies

16/06/2021

"This is the first time I have used Gurdip and his team to assist with a re-mortgage on one of my properties and I have to say they were absolutely 1st class from start to finish. Gurdip and his team were very quick to respond to my messages and even when we came up against some challenges from the lender Gurdip worked tirelessly to ensure things progressed and that I received the mortgage offer I wanted. I will definitely be using Gurdip and his team again in future and have no hesitation in recommending them."

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Laura Gee

08/06/2021

"I found this company on Google and being first time buyers we didn’t know what to expect. Gurdip was very helpful, very responsive and found us the best mortgage deal. Without Gurdip's help this process would have been 100x more difficult as we didn’t have a clue what we were doing! We communicate with Gurdip through WhatsApp and he always answers our questions no matter how silly they might be. Thank you for a brilliant service!"

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Iffi Jutt

03/06/2021

"Gurdip approaches his work professionally and is honest and instant while updating about the progress of the mortgage application. Would highly recommend."

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Lucy Conteh

26/04/2021

"I would recommend Gurdip 101% to anyone embarking on a mortgage application journey. The quality of their service is comparable to none. Gurdip made my case, a potentially complex one involving three products, very blissful. I will forever be grateful, especially because I have experienced bad mortgage brokers in the past. I have also used the services of a fee-charging broker and it was nothing like what Gurdip and his team offer. He works with great speed, professionalism and also keeps you updated throughout the process. He is also easily accessible and provides good counsel."

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Sachin Kaushal

21/04/2021

"Highly recommended and extremely talented ! Gurdip Singh Pathay has all the skills and expertise to take you through the complete application process without any hassle. Gurdip kept me informed with detailed explanation and has strong business partnering skills, professional relationships with all the U.K. lenders."

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Satvir Panesar

20/03/2021

"Gurdip are outstanding in the service they provide to their customers. My partner I were naturally apprehensive as first time buyers but Gurdip supported us every step of the way. All of our questions were answered in a timely manner and the process was explained very well. We would highly recommend Gurdip and we will certainly be using their services in the near future."

Frequently Asked Questions

What does a mortgage broker do?

A mortgage broker acts as an intermediary between the borrower and the lender, helping you find the most suitable mortgage based on your individual circumstances.

Why should I choose Gurdip as my mortgage broker?

Gurdip specialises in helping the Sikh and Punjabi community find the best commercial and residential mortgage deals. With his industry knowledge and understanding of your unique needs, he can help you secure the most competitive interest rates and save money.

What information do I need to provide when applying for a mortgage?

Typically, you will need to provide details about your income, expenditure, debts, and the property you're interested in purchasing. Gurdip will guide you through this process and ensure you have all the necessary documents.

What types of mortgages do you deal with?

Gurdip deals with a wide range of mortgage types, including but not limited to residential mortgages, commercial mortgages, buy-to-let, remortgages, and first-time buyer mortgages.

How do I know which mortgage deal is best for me?

Gurdip will help you analyse your financial situation and understand your property goals. Based on these details, he will recommend the mortgage deals that best fit your needs and circumstances.

How does Gurdip find the best mortgage deals?

Gurdip has access to the whole mortgage market, which means he can compare a wide range of products and lenders to find the most competitive interest rates and terms for you.

What fees are involved when working with Gurdip?

Gurdip will be transparent about any fees associated with his services from the start. The exact fee will depend on your specific circumstances and the complexity of your case.

How long does the mortgage application process take?

The mortgage application process can vary depending on your circumstances and the lender's processes. Gurdip will guide you through this timeline and provide regular updates.

Can Gurdip help me with a mortgage if I have a poor credit score?

Yes, Gurdip can help you understand your options and find lenders who are more flexible with credit scores. However, securing a mortgage may be more challenging and come with higher interest rates.

What is the next step after my mortgage application is approved?

Once your mortgage application is approved, Gurdip will help you finalise the mortgage offer. He will ensure you understand all the terms and conditions before proceeding. After this, you're ready to complete your property purchase!

Saniyah Malik

30/06/2023

“Gurdip was extremely helpful throughout the purchase of our new home. He was professional and he always went above and beyond to help us throughout the lengthy process.”

Aamir Sattar

09/08/2023

“A very seamless process. Managed to get me a mortgage without much chasing. Very efficient and professional and kept me updated as best as possible. Without realising and in a few days a mortgage was secured without any hassle or stress. Definitely recommend using their services as cannot fault them one bit. Will definitely be using again if needed!”

Google Ratings

Meet the Team

Gurdip Singh

Gurdip Singh

Founder, Mortgage & Protection Adviser

Awarded Best Mortgage Broker– Midlands (by The Mortgage Times), Gurdip is the Founder of Birmingham Money and West Bromwich Money has over 20 years of experience of working in financial services.

Gurdip enjoys building residential and commercial property portfolios for clients and equally he still gets a great feeling when assisting first time buyers get the keys to their home. With “whole of market access” Gurdip has built a reputation of ensuring clients get the best mortgage deals for their circumstances and that they are fully protected with the right life insurance.

Anshu Tiwana

Case Manager

Anshu has over 10 years’ experience in banking and administration with Barclays Bank prior to joining Birmingham Money and is our expert on Mortgage Applications and Compliance and knows most Lender Criteria.
Anshu Tiwana

Manpreet Kaur

Junior Case Manager

Manpreet has over six years of experience in banking and financial services having worked both in bank branch as a relationship and wealth manager and also having deep experience in the Life Insurance sector.
Manpreet Kaur

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