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At Focus Finsure, we are dedicated to helping clients make the right financial choices with confidence. We provide specialist advice in Mortgages and Insurance, ensuring that each recommendation is tailored to your individual circumstances. Our aim is to simplify what can often be a complex process, while making sure you receive the right support at every stage of your financial journey.

Mortgage Services

Buying a home or reviewing your existing mortgage is one of the biggest financial decisions you will ever make. With so many options available, choosing the right mortgage can feel overwhelming — but that’s where we come in.

At Focus Finsure, we provide independent, whole-of-market advice, meaning we have access to a wide panel of lenders and products. We take time to understand your needs, budget, and future goals before recommending the most suitable mortgage solution.

We can help with:

• First-Time Buyer Mortgages

Purchasing your first home is exciting but can also feel daunting. We guide you through the entire process — from understanding how much you can borrow to finding the right lender — so that you feel confident every step of the way.

• Home Mover Mortgages

Moving to a new home often means juggling a sale and purchase at the same time. We provide mortgage solutions that are designed to make your move smooth and stress-free.

• Remortgaging

If your current deal is ending, or you want to release equity from your home, we review your existing mortgage to ensure you are not paying more than necessary. Remortgaging could help lower your monthly payments or free up funds for other priorities.

• Buy-to-Let Mortgages

Whether you are an experienced landlord or just starting out, we offer tailored solutions for investment properties. We’ll help you navigate the lending criteria and understand your responsibilities as a landlord.

Our goal is always to secure a mortgage that not only meets your current needs but also supports your long-term financial security.

Insurance Services

Life is full of uncertainties — and having the right protection in place ensures that you and your loved ones are financially secure should the unexpected happen. At Focus Finsure, we offer a range of insurance products designed to safeguard your home, income, and family.

We provide:

Home Insurance

Your property is likely one of your biggest investments. Home Insurance covers both the building and its contents against unexpected risks such as fire, flood, theft, and accidental damage.

We carefully assess your needs to recommend the most appropriate level of cover, giving you peace of mind that you are protected where it matters most.

Critical Illness Cover

If you are diagnosed with a serious medical condition such as cancer, heart attack, or stroke, this cover provides a tax-free lump sum to help ease financial pressures during recovery.

Life Insurance

Provides a financial safety net for your family if you pass away. It can help cover living costs, mortgage repayments, or provide financial support for your children’s future.

Income Protection

Your income is one of your most valuable assets. Income Protection ensures you can continue to cover your living expenses and commitments if you are unable to work due to illness or injury.

Why choose us
Fast, dedicated, professional

Choosing the right insurance provider is a crucial decision that can significantly impact your financial security and peace of mind.

  • Trusted Expertise
  • Comprehensive Coverage
  • Personalized Service

At Focus Finsure, we understand that financial decisions can feel complicated and sometimes

stressful. That’s why we’re here to make things simple, clear, and tailored just for you.

• We put you first – Your goals, your needs, and your peace of mind are at the heart of everything we do. We listen carefully so that our advice works for your unique situation.

• Independent advice you can trust – We’re not tied to any one lender or insurer. This means we can explore the whole market to find solutions that truly fit you.

• Support every step of the way – From your first enquiry to completion, we’re here to guide you. No jargon, no confusion — just clear, helpful advice when you need it.

• Peace of mind – As a regulated firm, we follow strict professional standards. You can rely on us to act responsibly and ethically, every time.

• Making the complex simple – Mortgages, insurance, and financial planning can feel overwhelming. We break it down into simple steps, so you feel confident in every decision.
At Focus Finsure, it’s not just about products — it’s about helping you feel secure, informed, and

supported on your financial journey.

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Our Services
First-time Buyer
Residential Remortgage
Home Mover
Buy To Let Purchase
Buy To Let Remortgage
Credit Impaired Mortgage
Business Mortgage
Bridging Loan
Life Insurance
Critical Illness Insurance
Income Protection Insurance
Home Insurance
Private Health Insurance
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Address office

153 Sutton Road, Birmingham . B23 5TN

UK

0795 818 2362
UK

0121 680 0000
UK

0739 669 9238
Email

info@focusfinsure.co.uk
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Focus Finsure has a great vision, value and strategy to provide a reliable, approachable and responsible and timely service to all our clients based on their current circumstances and needs.

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0121 680 0000
0795 818 2362
0739 669 9238
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Address office

153 Sutton Road, Erdington , B23 5TN

UK

0795 818 2362
UK

0121 680 0000
UK

0739 669 9238
Email

info@focusfinsure.co.uk
How can we help?
SUPPORT
FAQ: What are the implications of defaulting on a mortgage loan?
Answer: Defaulting on a mortgage loan can have serious and far-reaching implications for borrowers. When a borrower defaults, it means they have failed to meet their mortgage obligations, such as missing payments or breaching other terms of the loan agreement.
FAQ: What is the minimum down payment required for a mortgage?
Answer:Traditionally, most mortgages in the United States required a down payment of 20% of the home's purchase price. However, in recent years, there have been various mortgage programs that allow for lower down payments to help make homeownership more accessible.
FAQ:How does the mortgage pre-approval process work?
Answer: The mortgage pre-approval process is an important step in the homebuying journey. It helps prospective homebuyers understand how much they can afford and gives them a competitive edge when making offers on properties.
FAQ: What are the different types of mortgage loans available?
Answer: Conventional Loans: These are traditional mortgage loans offered by banks and private lenders. They typically require a down payment of at least 3% to 20% of the home's purchase price and have fixed or adjustable interest rates. Fixed-Rate Mortgage (FRM): With a fixed-rate mortgage, the interest rate remains the same throughout the loan term, which is usually 15, 20, or 30 years. This provides stability and predictable monthly payments. Adjustable-Rate Mortgage (ARM): Unlike fixed-rate mortgages, ARMs have an initial fixed rate for a certain period (e.g., 5, 7, or 10 years) and then adjust periodically based on market conditions. The interest rate can go up or down, which can lead to changing monthly payments.
FAQ: What factors determine eligibility for a mortgage?
Answer:Credit Score: A borrower's credit score is a crucial factor that lenders use to evaluate creditworthiness. A higher credit score indicates responsible financial behavior and makes the borrower more eligible for a mortgage with favorable terms. Income and Employment History: Lenders will consider the borrower's income level and stability of employment. A steady and sufficient income is essential to demonstrate the ability to make mortgage payments. Debt-to-Income Ratio (DTI): The DTI ratio compares the borrower's total monthly debt payments (including the potential mortgage payment) to their gross monthly income. Lenders prefer a lower DTI, as it suggests the borrower has more financial capacity to handle additional debt. Down Payment: The amount of money the borrower can put down as a down payment affects mortgage eligibility. A larger down payment often leads to more favorable loan terms and can increase the chances of loan approval.
FAQ: How does credit score impact mortgage approval and interest rates?
Answer:Credit score plays a crucial role in the mortgage approval process and significantly affects the interest rates offered to borrowers. A credit score is a numerical representation of an individual's creditworthiness based on their credit history. Lenders use this score to assess the risk associated with lending money to a borrower
FAQ: Are there any special government-backed mortgage programs available?
Answer:Federal Housing Administration (FHA) Loans: The FHA, a part of the U.S. Department of Housing and Urban Development (HUD), offers FHA loans to first-time homebuyers and those with lower credit scores. These loans require a lower down payment (usually as low as 3.5% of the purchase price), making them more accessible to individuals who may not qualify for conventional loans. Veterans Affairs (VA) Loans: The Department of Veterans Affairs provides VA loans to eligible military service members, veterans, and their surviving spouses. VA loans often come with more favorable terms, including no down payment requirements and reduced closing costs.
FAQ: What are the closing costs associated with a mortgage?
Answer: Closing costs are the fees and expenses that borrowers are required to pay when finalizing the mortgage loan. These costs are in addition to the down payment and can vary depending on the lender, location, and specific circumstances of the loan. Closing costs typically range from 2% to 5% of the total loan amount.