Mortgage Brokers in Lichfield

Finding the Right Mortgage Brokers in Lichfield | Lichfield is a historic cathedral city in Staffordshire, blending traditional charm with modern convenience. Known for its stunning 12th-century Lichfield Cathedral, cobbled streets, and Georgian architecture, Lichfield is a sought-after location for families, professionals, and retirees alike. The city offers an excellent quality of life, with easy access to green spaces, excellent transport links, and a thriving local economy.

Located just 18 miles north of Birmingham, Lichfield is well-connected by road and rail, making it a popular commuter base for those working in the West Midlands. With a strong sense of community and an expanding housing market, it’s no surprise that more people are choosing to call Lichfield home.

Meet: Philip Owen – Mortgage Broker in Lichfield

If you’re looking for a Mortgage Broker in Lichfield, Philip Owen offers tailored, whole-of-market mortgage advice designed to suit your unique financial situation and property goals.

Philip brings years of experience navigating complex mortgage landscapes, providing support with:

• Residential mortgages for first-time buyers, movers and remortgagers

• Buy-to-let and HMO mortgages

• Bridging loans and short-term finance solutions

• Limited company mortgage strategies

• Second charge mortgages for debt consolidation or equity release

• Comprehensive protection advice, including life insurance and income protection

He works closely with each client to understand their financial circumstances, credit profile, and property plans. Whether you’re self-employed, purchasing through a limited company, or navigating affordability checks, Philip will guide you every step of the way.

As your dedicated mortgage adviser, Philip also manages the full process, coordinating with lenders, solicitors, and estate agents to ensure a smooth and stress-free experience.

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Exploring Neighbouring Staffordshire Towns

Philip Owen supports clients not just in Lichfield but throughout Staffordshire. If you’re open to living or investing in neighbouring towns, here are key areas to consider:

Tamworth – Family-Friendly and Convenient

Just 8 miles east of Lichfield, Tamworth is popular for its excellent schools and retail parks. It features:

• Affordable 2–4 bedroom homes ideal for growing families

• SnowDome and Ventura Park for leisure and shopping

• Great train links to Birmingham and London

• Mortgage Tip: Ideal for first-time buyer mortgages, remortgages, and shared ownership schemes

Burntwood – Peaceful and Residential

Located southwest of Lichfield, Burntwood offers a quieter setting with:

• A strong sense of community

• Good local amenities and schools

• A mix of older properties and new-build homes

• Mortgage Tip: A great location for residential buyers looking for low-deposit mortgages or Help to Buy

Cannock – Growth and Accessibility

Cannock is experiencing rapid growth thanks to regeneration efforts and the expansion of Cannock Chase as a tourist destination.

• Easy access to M6 and West Midlands employment hubs

• Popular with first-time buyers and investors

• New-build estates and established neighbourhoods

• Mortgage Tip: Perfect for buy-to-let landlords and second charge mortgage options

Rugeley – Affordable with Green Access

Rugeley is situated near Cannock Chase, offering affordable homes in a green setting.

• Great for outdoor lovers and families

• Access to rail links and nearby industrial hubs

• Mortgage Tip: Suits remortgage clients and families looking for affordable, larger homes

Property Market Overview – Staffordshire (2025)

Section	Metric	Staffordshire 2025	Trend vs 2024	What it means	Source
Market snapshot	Average sale price (county)	£249,000	+3.0% YoY	Prices have edged up, indicating a broadly stable market with modest growth.	Plum Plot
	Median sale price	£220,000	+~3% YoY	Typical homes in the West Midlands remain within mainstream affordability bands.	Plum Plot
	Sales volumes (12-month)	~13,200 transactions	−15.7% YoY	Fewer completions reflect tighter affordability and cautious sentiment despite stable prices.	Plum Plot
	New-build average price	£312,000	Premium vs existing: ~+27%	New-build stock commands a sizeable premium over second-hand homes.	Plum Plot
Selling conditions	Average time to secure a buyer (UK guide)	~37 days	~10% slower YoY	Pricing accurately is critical; overpricing risks an extended time on the market.	Zoopla
	Buyer demand (UK guide)	−8% YoY	Lower	National “wait-and-see” mood (Budget/tax uncertainty) tempers activity locally, too.	Zoopla
	Homes for sale (UK guide)	+7% YoY	Higher	More choice for serious buyers; sellers face greater competition.	Zoopla
Local price context	West Midlands regional annual change	~+2% to +3%	Up modestly	Region tracks close to national average; Staffordshire aligns with this pattern.	Fine & Country+1
	UK average price (context)	£272,995 (Aug 2025)	+3.0% YoY	Staffordshire sits below the UK average price, supporting value-led demand.	Land Registry
Rental market	UK average rent (context)	~£1,301 pcm	Rent growth cooling	National yardstick for benchmarking local rents and yields.	Zoopla+1
	District-level rent change example (ONS)	South Staffordshire: +3.9% to +5.1%	Up	ONS shows mid-single-digit rent growth by property size/type locally.	Office for National Statistics
	Typical gross yields (guide)	~5.8% (UK avg); Midlands often 6–7%	Stable to slightly up	Investor returns remain attractive where pricing is keen (e.g., family lets & HMOs).	Zoopla+1
Buyer & area notes	Value hotspots (indicative)	Cannock Chase, Newcastle-under-Lyme, parts of Stoke-on-Trent	High demand at sub-£250k	Popular with first-time buyers & commuters; check street-level comps.	(Synthesis of county datasets & portals) Plum Plot+1
	Premium pockets (indicative)	Lichfield, South Staffordshire, parts of Stafford	Stable demand	Larger family homes & prime school catchments sustain pricing.	(Synthesis of county datasets & portals) Fine & Country+1
Regulatory & macro backdrop	Sales pipeline (UK guide)	~350,000 homes progressing	4-year high	Solid pipeline should support completions into late 2025/early 2026.	Zoopla
	Rental supply/demand balance (UK)	Competition easing but still elevated	Normalising	More listings than 2023/24, but affordability remains a constraint.	Zoopla
Actionable guidance (2025)	For sellers	Price to the market; refresh listing after 3–4 weeks if no traction	—	Use realistic comparables; target move-in-ready presentation to shorten days-to-SSTC.	Zoopla
	For buyers	Be mortgage-ready; widen search across adjacent districts.	—	More stock equals more negotiation power, especially for homes over £300k.	Zoopla
	For landlords	Aim for 6–7% gross where possible; focus on EPC and compliance.	—	Families near transport/schools are resilient; the model yields at today’s rates.

Living in Lichfield: Attractions, Transport & Amenities

Lichfield is one of Staffordshire’s most charming cathedral cities, blending historic appeal with a strong sense of community. Its rich cultural heritage and green spaces make it an attractive location for families, professionals, and retirees alike.

Lichfield Cathedral
The iconic three-spired Lichfield Cathedral is the only medieval cathedral in England with three spires, earning it the nickname the Lady of the Vale. Dating back to the 12th century, it attracts thousands of visitors each year for its stunning Gothic architecture, beautiful stained glass, and serene surroundings. The cathedral regularly hosts concerts, exhibitions, and guided tours, making it a must-see destination for history enthusiasts and tourists alike.

Erasmus Darwin House
Located near the cathedral, Erasmus Darwin House celebrates the life and work of Charles Darwin’s grandfather, who was a pioneering physician, inventor, and poet. The museum offers interactive exhibits and workshops that explore his scientific achievements and his role in the early Enlightenment movement, providing a fascinating glimpse into Lichfield’s intellectual past.

Beacon Park
Spanning over 70 acres, Beacon Park is one of the city’s most loved outdoor spaces. With formal gardens, boating ponds, mini golf, play areas, and wide-open lawns, it’s perfect for family outings and weekend picnics. The park also hosts community events and open-air concerts throughout the year, adding to Lichfield’s vibrant social calendar.

Lichfield Garrick Theatre
A modern, award-winning venue at the heart of the city, the Garrick Theatre stages everything from drama and comedy to pantomime and live music. With its accessible facilities and diverse programme, it’s a key cultural landmark that appeals to residents of all ages.

Transport Links

Lichfield offers exceptional transport connectivity, making it ideal for commuters and frequent travellers.

By Rail
The city is served by two railway stations—Lichfield City and Lichfield Trent Valley—offering direct links to Birmingham, London Euston, Tamworth, and Stafford. Regular services operated by West Midlands Trains and Avanti West Coast ensure convenient travel times for both work and leisure.

By Road
Lichfield enjoys excellent road access via the A38, A51, and M6 Toll, allowing for easy connections to nearby towns and major cities, including Birmingham, Derby, and Leicester. For motorists, this makes commuting straightforward and travelling across Staffordshire and the Midlands hassle-free.

By Bus
A reliable network of local and regional bus services connects Lichfield with Tamworth, Cannock, Burton-upon-Trent, and surrounding villages. Services are frequent, affordable, and well-maintained, making them ideal for residents who prefer public transportation.

By Air
For international travel, Birmingham Airport is located less than 30 miles away and is accessible by both road and rail, offering a wide range of domestic and overseas destinations.

Local Amenities

Lichfield’s excellent amenities are a major draw for those considering relocating to the area.

Education
The city is home to several highly regarded schools, including King Edward VI School, The Friary School, and St Michael’s C of E Primary School—many of which are rated Good or Outstanding by Ofsted. For further education, colleges in nearby Tamworth and Sutton Coldfield offer a wide range of courses.

Healthcare
Residents benefit from comprehensive healthcare facilities, including multiple NHS GP practices, dental surgeries, and Samuel Johnson Community Hospital, which offers maternity services and outpatient care. Several private clinics also provide specialist and cosmetic treatments.

Shopping and Dining
Lichfield city centre blends historic charm with modern convenience. Shoppers can explore a mix of high-street brands, independent boutiques, and artisan markets, while food lovers will find everything from traditional pubs and tearooms to fine dining restaurants. The Three Spires Shopping Centre serves as a retail hub, with popular cafés and chain stores.

Leisure and Community Facilities
Lichfield’s community spirit is reflected in its modern leisure centres, public library, and a regular outdoor market held in the Market Square. Sports enthusiasts can enjoy local gyms, tennis courts, and golf clubs, while arts lovers can participate in creative workshops and exhibitions held throughout the year.

Understanding the Lichfield Property Market

Lichfield’s property market continues to attract a diverse range of buyers, from first-time homeowners to families seeking additional space. The area combines historic Georgian homes and character cottages with modern developments offering new-build apartments and family houses.

Property Prices and Demand
Due to its desirable location, good schools, and excellent transport links, demand in Lichfield remains consistently high. Property values have shown steady growth over recent years, making it a strong choice for both homebuyers and investors.

Popular Neighbourhoods
Sought-after residential areas include Boley Park, Darwin Park, and Stowe Fields, all of which are known for their peaceful surroundings and proximity to schools and amenities. Those seeking more rural settings often look toward nearby villages such as Whittington, Alrewas, and Hammerwich, which offer countryside living within easy reach of the city centre.

Rental and Investment Opportunities
The strong commuter links to Birmingham and Staffordshire’s major employment hubs mean rental demand remains high. Buy-to-let investors are often drawn to city-centre apartments and family homes near schools or railway stations.

Mortgage Brokers in Lichfield | Ready to Get Started?

Contact Philip today for expert advice tailored to your needs and long-term goals.

Philip Owen

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