Mortgage Advice in West Bromwich: Property, Schools & Local Area Guide
Mortgage Advice in West Bromwich: Property, Schools & Local Area Guide
Whether you're buying your first home in West Bromwich, remortgaging, upsizing or simply researching the area — this guide covers what buyers and homeowners actually want to know.
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üí¨ WhatsApp Us Contact Us That's Family Finance is an FCA-regulated protection adviser. We do not arrange mortgages ourselves ‚Äî we introduce you to carefully selected, FCA-regulated mortgage advisers.Quick answers about West Bromwich
Click any question to expand the full detail and sources.
Is West Bromwich a good place to live?⌄
Yes — affordable homes, a tram line straight into Birmingham and a brand-new hospital make it strong value in the West Midlands.
West Bromwich's appeal rests on genuine value. It sits on the West Midlands Metro tram line running from Wolverhampton through to Birmingham city centre, is minutes from the M5 at Junction 1, and now has the new Midland Metropolitan University Hospital nearby in Smethwick. Property prices are well below the regional average, which means first-time buyers, families and Birmingham commuters can get more home for their money than in many surrounding areas. As one of Sandwell's six towns, it also has a strong Black Country identity, with West Bromwich Albion FC at The Hawthorns and Sandwell Valley Country Park on the doorstep.
Sources: westmidlandsmetro.com — tram network | reports.ofsted.gov.uk — school inspections
Is West Bromwich expensive?⌄
No — it is one of the more affordable parts of the West Midlands, with strong value for first-time buyers.
Flats and apartments typically start from around £90,000–£150,000, making them an accessible entry point for first-time buyers. Terraced homes generally range from £130,000–£200,000, while larger semi-detached and detached family homes typically sit between £200,000 and £325,000+. Premium and larger detached properties around Great Barr and the leafier northern fringes go higher. Affordability is one of West Bromwich's defining strengths — buyers priced out of Birmingham proper often find the tram connection makes the town a practical, lower-cost alternative.
Sources: landregistry.data.gov.uk — Price Paid Data | gov.uk/council-tax-bands — VOA band checker
What salary do you need to buy in West Bromwich?⌄
Roughly £29,000 for a flat up to £60,000+ for a family home — based on 4.5x income multiples.
Most mortgage lenders apply affordability multiples of around 4–4.5x annual income, though some go higher for certain profiles. Using 4.5x as a guide: a flat at ~£130,000 may require a household income of approximately £29,000; a terraced home at ~£175,000 requires roughly £39,000; a larger semi or detached at ~£270,000 requires around £60,000. These are illustrative only — actual affordability depends on deposit size, existing commitments, credit profile and lender criteria. A whole-of-market mortgage adviser can confirm exactly what's achievable for your circumstances.
Sources: thatsfamilyfinance.co.uk/mortgages | landregistry.data.gov.uk
Are schools good in West Bromwich?⌄
Yes — Sandwell has several Good and Outstanding schools across West Bromwich and the surrounding towns.
At secondary level, Sandwell Academy (Ofsted: Good) and George Salter Academy (Good) are two of West Bromwich's main options, with Q3 Academy Great Barr (Good) to the north. Across the wider Sandwell borough, Holly Lodge High School in Smethwick (Good) and Bristnall Hall Academy in Oldbury (Outstanding) are also strong choices. The key practical point for buyers: Sandwell is a single education authority covering six towns, so admissions, distance and catchment all affect which school your child has priority for. Always verify the latest inspection reports and admissions arrangements directly with each school and Sandwell Council.
Sources: reports.ofsted.gov.uk | sandwell.gov.uk/schooladmissions
Is West Bromwich good for commuters?⌄
Yes — the West Midlands Metro tram links West Bromwich directly to Birmingham and Wolverhampton city centres.
West Bromwich is served by the West Midlands Metro tram, with stops including West Bromwich Central, Lodge Road (West Bromwich Town Hall), Trinity Way and The Hawthorns. The line runs between Wolverhampton and Birmingham city centre, giving a turn-up-and-go connection without needing a car. For heavy rail, the nearest stations are Sandwell & Dudley and The Hawthorns, with onward services across the national network. By road, the M5 at Junction 1 sits on the edge of the town, giving fast access to the M6, M42 and the wider motorway network. Always check current timetables before relying on any service for a daily commute.
Sources: westmidlandsmetro.com — tram timetables | nationalrail.co.uk — journey planner
What should buyers know before offering on a West Bromwich property?⌄
Check the exact neighbourhood, flood risk by postcode, stamp duty cost and council tax band before committing.
West Bromwich is billed by Sandwell Metropolitan Borough Council, which also covers Smethwick, Oldbury, Rowley Regis, Tipton and Wednesbury — so confirm the council tax band directly. Flood risk should always be checked by individual postcode via the GOV.UK service, not by town name alone (the River Tame runs through Sandwell Valley). Use the government's SDLT calculator to understand your stamp duty liability before budgeting. And for commuters, check proximity to a Metro tram stop — it can support both day-to-day life and future resale.
Sources: check-long-term-flood-risk.service.gov.uk | SDLT calculator | sandwell.gov.uk/counciltax
Is West Bromwich right for you?
West Bromwich is one of the West Midlands' best-value towns — well-connected to Birmingham and Wolverhampton via the West Midlands Metro tram, minutes from the M5, and home to West Bromwich Albion FC at The Hawthorns. As one of Sandwell's six towns, it combines a strong Black Country identity with affordable housing and a brand-new hospital nearby.
| Buyer Type | Rating | Why |
|---|---|---|
| First-Time Buyers | ★★★★★ | Among the most affordable entry points in the West Midlands — flats and terraces give a realistic route onto the ladder. |
| Birmingham Commuters | ★★★★★ | The Metro tram runs straight into Birmingham city centre — a genuine car-free option many towns can't offer. |
| Families | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÜ | Good and Outstanding schools across Sandwell, plus Sandwell Valley Country Park and the new Midland Met hospital. |
| Upsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÜ | Larger semi-detached and detached homes around Great Barr and Charlemont offer space at sensible prices. |
| Investors | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÜ | Low entry prices, strong rental demand and tram-line connectivity make it a long-watched West Midlands location. |
Property prices & council tax in West Bromwich
Understanding the cost of living in West Bromwich goes beyond the purchase price.
| Property Type | Approximate Price Range | Notes |
|---|---|---|
| Flats & Apartments | £90k–£150k | Entry point for first-time buyers; common near the town centre and tram stops (B70). |
| Terraced Homes | £130k–£200k | The most common family starter home across West Bromwich (B70/B71). |
| Semi-Detached & Detached | £200k–£325k | Family homes around Charlemont, Stone Cross, Hateley Heath and Hamstead. |
| Larger Detached & Premium | £325k+ | Leafier northern fringes towards Great Barr and the Sandwell Valley edge. |
What income might you need?
Based on standard mortgage affordability multiples of 4.5x household income. Illustrative only — individual affordability depends on deposit, commitments and lender criteria.
What makes West Bromwich so popular?
Three things consistently come up when buyers explain why they chose West Bromwich.
The Metro Tram
The West Midlands Metro runs straight through West Bromwich into Birmingham city centre and out to Wolverhampton. A turn-up-and-go tram on your doorstep is a genuine selling point that very few comparable towns can match.
Affordable Homes
West Bromwich offers some of the best value in the West Midlands. Buyers priced out of Birmingham proper often find the town gives them far more home for their money, with the tram closing the gap.
Black Country Identity
West Bromwich Albion at The Hawthorns, Sandwell Valley Country Park and a proud industrial heritage give the town a real, rooted character rather than a faceless commuter feel.
What often surprises buyers is how well-connected West Bromwich is for the price. The combination of tram, motorway and a brand-new hospital nearby means everyday life is genuinely convenient — something that matters a lot over the long term.
Schools in West Bromwich & Sandwell
Schools are one of the biggest reasons families research West Bromwich. The town and the wider Sandwell borough have a spread of Good and Outstanding schools across B70, B71 and the neighbouring towns, so education often sits right at the centre of the property search.
For homebuyers, the key question is not just whether a school has a strong reputation. It is whether the property, admissions rules, daily journey, school-run traffic, wraparound care and long-term education route actually work for your family. That is why school research should sit alongside your search around the town centre, Charlemont, Stone Cross, Hateley Heath, Hamstead and Great Barr.
Secondary schools
| School | Type | Ofsted | Buyer-focused summary |
|---|---|---|---|
| Sandwell Academy | Mixed secondary academy, ages 11–18 | Good | On Halfords Lane next to The Hawthorns, this is one of West Bromwich's best-known secondaries with a sixth form. Relevant for families looking around the town centre and the B71 side towards Birmingham. |
| George Salter Academy | Mixed secondary academy, ages 11–18 | Good | Based on Claypit Lane in central West Bromwich and part of the Ormiston Academies Trust. A core option for families across the heart of the town. |
| Q3 Academy Great Barr | Mixed secondary academy, ages 11–18 | Good | On Wilderness Lane, Great Barr, just north of West Bromwich. Often considered by buyers looking at Hamstead, Hateley Heath and the leafier northern fringes. |
| Holly Lodge High School | Mixed secondary, ages 11–18 (Smethwick) | Good | In neighbouring Smethwick, close to the new Midland Met hospital. A strong option for families considering the southern side of Sandwell. |
| St Michael's CofE High School | Church of England secondary (Rowley Regis) | View Ofsted | A faith school in Rowley Regis within the wider Sandwell borough. Check the live Ofsted page and faith-based admissions criteria before relying on proximity alone. |
Wider Sandwell & primary options
| School | Type | Ofsted | Buyer-focused summary |
|---|---|---|---|
| Bristnall Hall Academy | Mixed secondary academy (Oldbury) | Outstanding | On Bristnall Hall Lane in Oldbury, rated Outstanding at its most recent inspection. A standout option for families willing to look across the wider Sandwell borough. |
| Sandwell College | Further education college, ages 16+ | View Ofsted | A large further education and sixth-form college in central West Bromwich, useful for families planning post-16 routes locally. Review the latest Ofsted record directly. |
| Local primary schools | Sandwell primaries, ages 4–11 | Check Ofsted | West Bromwich has a wide spread of primary schools across Charlemont, Stone Cross, Hateley Heath, Hamstead and the town centre. Exact road and postcode matter for admissions — verify each school directly. |
What the schools mean for homebuyers
Sandwell Academy
Sandwell Academy is a large mixed secondary on Halfords Lane, immediately next to The Hawthorns stadium. Its sixth form makes it especially relevant for families who want a longer education route without automatically changing school after GCSEs.
For buyers, this school is often part of the conversation when looking around the town centre and the B71 side towards Birmingham. Admissions arrangements should be checked directly each year, as popularity, distance and policy details can all affect access.
George Salter Academy
George Salter Academy sits on Claypit Lane in central West Bromwich and is part of the Ormiston Academies Trust. It is a core option for families living across the heart of the town.
From a buyer's perspective, the practical points are location, admissions, the journey from the property and whether the school route fits your longer-term family plans. Always confirm the latest published Ofsted report and admissions policy directly.
Schools across the wider Sandwell borough
Because Sandwell is a single education authority covering six towns, families often look beyond West Bromwich itself. Q3 Academy Great Barr, Holly Lodge in Smethwick and Bristnall Hall Academy in Oldbury all matter to different parts of the borough, which is why the exact road and postcode can be important.
Do not rely on a school name alone. Check admissions, distance, wraparound care, sibling rules, parking, school-run traffic and the likely secondary route before committing to a property.
Popular parts of West Bromwich & Sandwell
West Bromwich covers a wider area than many people realise, and it sits within Sandwell alongside five other towns. Buyers often start with "West Bromwich" as one search, but the feel can change significantly depending on whether you are near the town centre, Charlemont, Stone Cross, Hateley Heath, Hamstead or the Great Barr fringe — and many also compare nearby Smethwick, Oldbury, Tipton, Rowley Regis and Wednesbury.
| Area | Best For | Typical Buyer |
|---|---|---|
| Town Centre / B70 | Tram stops, shops, The Public heritage and convenience | First-time buyers, commuters and investors |
| Charlemont / Hill Top | Established semi-detached family homes | Families and upsizers |
| Stone Cross | Residential streets and local schools | Families and long-term movers |
| Hateley Heath | Affordable family housing and green edges | First-time buyers and families |
| Hamstead | Quieter northern setting near Sandwell Valley | Families wanting more space |
| Great Barr | Leafier homes and larger plots on the northern fringe | Upsizers and established buyers |
This area suits buyers who want walkable convenience and tram access rather than relying on a car for every journey. It can be especially attractive for Birmingham commuters, first-time buyers and investors. The trade-off is that town-centre living is busier, and parking, flats above retail and road noise may matter depending on the exact location.
Appeals to: First-time buyers, commuters and investors.
The area can work well for buyers who want a settled residential feel with realistic routes towards the M5, the tram and central West Bromwich. As with much of the town, individual roads vary, so it is worth comparing streets carefully on price, condition and school access.
Appeals to: Families, upsizers and long-term homeowners.
The appeal is practical: family-sized homes, local amenities and a location that works for many school and commute patterns. Buyers should still compare individual roads on price, parking and exact school routes.
Appeals to: Established families and long-term movers.
For buyers, Hateley Heath can make sense if you want a sensibly priced family home while remaining connected to the wider town and the green edges nearby. As with much of West Bromwich, the exact road matters.
Appeals to: First-time buyers, families and local movers.
Families may be drawn by access to Sandwell Valley Country Park, local schools and the Hamstead rail connection. It can also appeal to buyers wanting the town's overall convenience but a less central day-to-day environment.
Appeals to: Families, upsizers and buyers wanting a quieter location.
The area can appeal to buyers looking for more space or a less built-up feel, with Q3 Academy Great Barr nearby. It is worth checking travel patterns carefully, particularly which local authority a specific road falls under for council tax and schools.
Appeals to: Upsizers, established buyers and families wanting a greener setting.
For buyers open-minded on area, these towns can offer further value and proximity to key services. Schools such as Holly Lodge (Smethwick) and Bristnall Hall Academy (Oldbury) add to the appeal for families.
Appeals to: Value-conscious buyers, families and NHS workers.
These towns can suit buyers who want the lowest entry prices in the borough while staying close to the tram, the M5 and Birmingham. As always, check the exact postcode for transport links, schools and flood risk before committing.
Appeals to: First-time buyers, value-conscious buyers and investors.
Check estate charges, parking arrangements, broadband, management responsibilities and how the development connects to schools, the tram and the town centre. For current planning applications and schemes, use Sandwell Council's planning portal rather than relying on old sales listings.
Appeals to: Buyers wanting modern homes and lower initial maintenance.
Things people don't tell you about West Bromwich
Most property listings tell you about the bedrooms and the square footage. These are the things that come up in real conversations with people who know the area.
Healthcare & local services
For families and those planning long-term, knowing the specific local services nearby matters as much as the property itself. West Bromwich is well-served, with a major new hospital opened nearby in 2024.
Hospitals near West Bromwich
West Bromwich falls within the area served by the Sandwell and West Birmingham NHS Trust. NHS service configurations change — always verify current arrangements directly.
| Hospital | Location | Notes |
|---|---|---|
| Midland Metropolitan University Hospital | Grove Lane, Smethwick | Opened in 2024 as the new main acute and emergency site for the Trust, replacing the acute roles previously split between Sandwell General and City hospitals. Includes a 24-hour emergency department and maternity services. |
| Sandwell General Hospital | Lyndon, West Bromwich | Continues to provide a range of planned and community-based NHS services following the opening of the Midland Met. Confirm current departments directly. |
| City Hospital | Dudley Road, Birmingham | Its main acute services transferred to the Midland Met; check the Trust for current services offered on this site. |
GP surgeries & dental practices
West Bromwich and the surrounding Sandwell towns have a number of NHS GP practices and dental surgeries. Registration availability changes — always contact the surgery directly and check nhs.uk for current status before completing a purchase.
| Service | Where to check | Notes |
|---|---|---|
| NHS GP practices | nhs.uk — find a GP | Multiple practices serve West Bromwich, Charlemont, Stone Cross and the town centre. Registration depends on catchment and availability. |
| NHS & private dentists | nhs.uk — find a dentist | NHS dental availability varies across Sandwell — contact practices directly to confirm whether they are taking new NHS patients. |
| Pharmacies | nhs.uk — find a pharmacy | Town-centre and neighbourhood pharmacies are well distributed. Check opening hours for your nearest branch. |
Nearest hospitals at a glance
Map, Police & Fire Services in West Bromwich
A useful local guide should show the practical services buyers actually check before choosing an area — the town location, neighbourhood policing, fire station coverage, emergency healthcare and local crime context for West Bromwich.
Flood risk in West Bromwich
Flood risk is easy to overlook when a property looks right online, but it can affect insurance premiums, mortgage lender underwriting and long-term peace of mind. In West Bromwich, the picture varies depending on exactly where you're buying.
Famous connections & local history
West Bromwich has a heritage that goes far deeper than its modern, well-connected reputation suggests — rooted in Black Country industry, football and metalworking.
Sports, leisure & community
For families and active buyers, West Bromwich's leisure offer is a real part of the quality-of-life calculation. The clubs, parks and attractions here are the ones residents actually use week after week.
West Bromwich has a mix of established sporting names, large green spaces, family attractions and community groups that help explain why people put down roots here. For buyers moving from Birmingham or further afield, this lifestyle element can be just as important as the tram line.
For families, a major football club on the doorstep can mean weekend routines, community pride and a real sense of place — something that matters well beyond the property itself.
For buyers, having genuine open countryside within the borough is a significant lifestyle benefit, especially for families, dog walkers, runners and anyone who wants green space without a long drive.
For buyers with children or an active routine, access to pools, courts and fitness facilities can be a practical lifestyle benefit. Always verify current opening times and membership terms directly with each facility.
For residents, a well-established town park within walking distance of the centre is a real everyday benefit, supporting the town's appeal to families and downsizers alike.
For commuters, this matters. Having a proper town centre and shopping on your doorstep, served directly by the tram, helps West Bromwich avoid feeling like a pure dormitory location.
For relocation buyers, these green-blue corridors answer a practical question: "What will we actually do here at weekends?" — and they add character that many newer suburbs lack.
Sandwell Leisure Trust centres — public leisure centres across the borough offering swimming, fitness and classes.
Private gym chains — budget and full-service gyms are well represented in and around the town centre and retail areas.
Always verify current opening times, membership terms and availability directly with each facility before assuming they fit your routine.
Scouting and Girlguiding groups operate across the borough, offering Beavers, Cubs, Scouts, Rainbows, Brownies and Guides.
Community and sports clubs run junior football, cricket and other activities locally.
For families moving to the area, these groups create weekend routines, friendships and community roots that sit alongside — not instead of — school.
For commuters away in the week, having a proper local centre plus easy tram access to Birmingham at weekends is a major part of the appeal.
Buying a home in West Bromwich
West Bromwich attracts buyers who have made a deliberate decision about value — drawn by the affordable prices, the tram link into Birmingham, the new hospital nearby or a combination of all three.
For some buyers the calculation is primarily practical — purchase price, commute, getting onto the ladder. For others it's about lifestyle — wanting Black Country character, green space at Sandwell Valley and a connected location without Birmingham prices. West Bromwich delivers on both. If you are still comparing mortgage types, our cashback mortgages guide explains one option buyers sometimes ask about.
Who tends to move to West Bromwich?
Transport & commuting
West Bromwich's Metro tram connection is one of its defining strengths for buyers who want city access without relying on a car.
| Route | Approx. Time | Notes |
|---|---|---|
| West Bromwich Central → Birmingham city centre | ~20–25 min | West Midlands Metro tram, frequent daytime service |
| West Bromwich ‚Üí Wolverhampton | ~30 min | West Midlands Metro tram in the opposite direction |
| Sandwell & Dudley ‚Üí Birmingham New Street | ~10 min | Nearest heavy rail; also serves The Hawthorns station |
| West Bromwich ‚Üí M5 Junction 1 | ~5 min | By car; fast access to M6, M42 and the motorway network |
The West Midlands Metro tram serves West Bromwich at West Bromwich Central, Lodge Road (West Bromwich Town Hall), Trinity Way and The Hawthorns, running between Wolverhampton and Birmingham city centre. For heavy rail, Sandwell & Dudley and The Hawthorns stations connect to the national network, and the M5 at Junction 1 sits on the edge of the town.
Things to think about before buying
The property itself is only one part of the decision.
Already live in West Bromwich?
Not everyone searching for mortgage advice here is planning to move. Many visitors are existing homeowners reviewing their arrangements.
Looking beyond the mortgage
Buying a home is one of the largest financial commitments most people will ever make.
Many households spend weeks comparing properties and mortgage rates, yet very little time considering what would happen if circumstances changed unexpectedly — illness, redundancy or worse. Life insurance, critical illness cover and income protection exist precisely for this reason. Our mortgage protection insurance guide explains the main options in plain English.
Living in West Bromwich
Beyond the commute and the schools — what is it actually like to live here day to day?
Safety & Crime
West Bromwich is covered by West Midlands Police within the Sandwell policing area, with the Police and Crime Commissioner function now held by the Mayor of the West Midlands. As with any urban town, crime levels vary street by street, so check the exact postcode at police.uk rather than relying on general reputation alone.
Community & Demographics
West Bromwich has a diverse, established population with strong Black Country roots and a real sense of local identity, anchored by West Bromwich Albion and the town's industrial heritage. It is a town where community and affordability go hand in hand.
Green Spaces
Sandwell Valley Country Park (countryside, lakes and RSPB reserve), Dartmouth Park (historic Victorian park near the centre) and the Black Country canal towpaths give residents genuinely good access to green space for an urban West Midlands town.
Transport
The West Midlands Metro tram (West Bromwich Central, Lodge Road, Trinity Way, The Hawthorns) links the town to Birmingham and Wolverhampton, with heavy rail at Sandwell & Dudley and the M5 at Junction 1. Check current times at westmidlandsmetro.com.
New Build Homes
West Bromwich has seen new residential development and town-centre regeneration in recent years alongside its established housing stock. For current planning applications and schemes, visit Sandwell Metropolitan Borough Council.
Useful Council Links
Sandwell Council — council tax, planning, local services.
Sandwell School Admissions — catchments and applications.
police.uk — local crime data by postcode.
Nearby areas worth considering
Many buyers researching West Bromwich also compare it with neighbouring towns and cities before deciding.
Birmingham
The region's major city — full amenities, jobs and culture, directly linked to West Bromwich by the Metro tram.
Read guide ‚ÜíWolverhampton
The other end of the Metro tram line, with its own city amenities and strong value housing.
[LINK WHEN LIVE]Walsall
A neighbouring Black Country town with affordable homes and good road links.
[LINK WHEN LIVE]Dudley
A historic Black Country town with strong heritage and a growing transport offer.
[LINK WHEN LIVE]Stourbridge
A well-regarded Black Country town with leafy fringes and good schools.
[LINK WHEN LIVE]Frequently asked questions
Is West Bromwich a good place to live?
Is West Bromwich safe?
Does West Bromwich have good schools?
How do I get to Birmingham from West Bromwich?
What salary do you need to buy in West Bromwich?
What is the flood risk in West Bromwich?
How much is stamp duty on a West Bromwich property?
What is West Bromwich known for?
What green spaces are near West Bromwich?
What is the nearest hospital to West Bromwich?
How much is council tax in West Bromwich?
Can existing homeowners benefit from reviewing their mortgage?
Useful resources
Need help?
Whether you're researching West Bromwich, planning a move, reviewing your finances or simply exploring your options — we're always happy to point people in the right direction.
That's Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers.
Journey times are approximate — always verify at westmidlandsmetro.com and nationalrail.co.uk. Ofsted ratings based on most recent publicly available inspections — verify at ofsted.gov.uk. Catchment areas and admissions criteria should be confirmed directly with each school and Sandwell Council. GP and dental registration availability changes — always verify directly with the practice. Healthcare information based on publicly available NHS data — always verify directly with the Sandwell and West Birmingham NHS Trust. Crime information is general in nature — always check current data at police.uk. Flood risk context is general — always check the exact property postcode at check-long-term-flood-risk.service.gov.uk. Council tax figures are for 2026/27 Band D and may change — verify with Sandwell Metropolitan Borough Council. Salary and affordability figures are illustrative only and do not constitute financial advice. Stamp duty figures should be verified using the official GOV.UK SDLT calculator.
That's Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers. The information on this page is for educational purposes only and does not constitute financial advice. That's Family Finance is an independent, FCA-regulated firm (No. 1038034).