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As a local independent financial advisor, KGJ has been a trusted mortgage broker in Birmingham and the surrounding area for over fifty years.

Despite a proliferation of online calculators and ‘help yourself’ online advice, we stand strong in our sector thanks to our independent, highly bespoke services.

Birmingham is a broad, diverse city, from its incredible people to its varied housing; from the Victorian and Edwardian homes of Edgbaston and Mosely, through the terraced inner-city roads of Digbeth and Aston, to the modern waterside apartments of the Mailbox and Brindleyplace.

For a truly independent mortgage broker in Birmingham that answers to nobody but you, KGJ excel.

What Mortgage Services Do We Offer?

Adverse Credit Lending

Everybody should be able to invest in a home and a challenging credit history shouldn’t become another barrier for entry to an already difficult marketplace. Here at KGJ, our experienced mortgage advisors specialise in adverse credit lending to the prospective homeowners of Birmingham, navigating the stricter terms and higher rates that come with the territory to find you the most suitable, fairest deal for your circumstances, ensuring your financial past doesn't dictate your future.

Buy-to-Let Mortgages

Whether you are an experienced proprietor or a first-time landlord, KGJ can provide expert financial advice for those wanting to invest in Birmingham’s diverse property market. Buy-to-let mortgages are specifically designed for landlords looking to increase their property portfolio and KGJ provides expert, unbiased advice helping to optimise your investment. It’s one of the many reasons we are so highly regarded as an independent mortgage broker in Birmingham.

Holiday Home Mortgages

KGJ can help you find the ideal finance package for your dream holiday home, helping you secure your ideal getaway spot. Whether you’re after a city retreat or a countryside escape, our unbiased advice ensures you come away from KGJ with the means to make your property ambitions a reality. We even have quality travel insurance policies for you.

Lifetime Mortgages

Plan your retirement with confidence. KGJ offers lifetime mortgages, allowing you to unlock the value of your home while continuing to live in it. Explore your options with our advisors and secure your financial future, with the guidance of our experienced mortgage brokers in Birmingham.

Residential Mortgages

From first-time buyers to those moving up the property ladder, KGJ's residential mortgages cater to all the home-buying needs of Birmingham’s house hunters. We work tirelessly to ensure our bespoke services align with your unique circumstances and property goals, providing clear, honest advice that’s designed to secure your financial wellbeing and peace of mind.

Short Term Finance

Property can be a fast-paced endeavour, especially in the dynamic property scene of a cultural hub as popular as Brum, and there are times when a quick financial solution may be ideal. As a highly regarded mortgage broker in Birmingham, KGJs short-term financial solutions are ideal for property auctions, renovations before a sale and financial cover between longer-term mortgage deals.

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Why Choose KGJ Insurance?

Local Insight, National Expertise

Local experience counts for a lot in the property sector, as does a deep understanding of mortgages and their many intricacies. With experience of over 50 years and our headquarters based in the very heart of the West Midlands region, we are ideally placed as mortgage brokers for Birmingham and the surrounding towns.

Tailored Mortgage Solutions

Every home buyer’s journey is different, which is why we offer such highly bespoke mortgage solutions. KGJ listens to your needs and only ever provides guidance that keeps your personal and financial objectives front and centre. It’s our job to ensure a mortgage solution that fits you and your circumstances perfectly.

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A Tradition of Trust

With a history spanning over five decades, KGJ has earned a reputation for trust and reliability with Birmingham’s residents. We aren’t tied to any mortgage providers or financial groups, giving us the freedom to offer truly independent advice. We are motivated only by finding you the best solution for your financial peace of mind.

Direct, Approachable Services

Our approachable team is dedicated to demystifying the mortgage process. At KGJ we value direct communication, ensuring your questions are answered and that you're informed and confident at every step of the mortgage process. It’s all part of the KGJ ethos of quality service – and what else would you expect from one of the top independent mortgage brokers in Birmingham?

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