Mortgage Broker in Manchester

No. Your initial mortgage appointment is free and there is no obligation to proceed afterwards.

The point of that first conversation is to understand what you are looking to do, talk through your circumstances and give you a clearer idea of what may be possible.

You might be ready to move straight away, or you may decide you want a little more time before doing anything. Either is completely fine.

If there is a suitable route forward and you want us to take things further, we can explain what happens next before anything is submitted.

Yes. Finding a competitive rate yourself does not necessarily mean you have found the best overall mortgage for your circumstances.

We can compare what you have found against the mortgages available through the lenders we work with, considering the rate, product fees, incentives, mortgage features and lending criteria.

Sometimes the deal you have found will already be a strong option. Sometimes another mortgage may work out better once the overall cost is considered.

Either way, you will have something more useful than a rate on a screen. You will know how it compares before deciding whether to apply.

Simply speaking to one of our mortgage advisors will not affect your credit score.

An Agreement in Principle can involve a credit check, and the type of search depends on the lender. Many lenders use a soft credit search at this stage, which does not usually affect your credit score or leave a visible footprint for other lenders.

Some lenders use a hard credit search instead. That does leave a record on your credit file, which is one reason we look at where an application may be best placed before arranging an Agreement in Principle rather than submitting several unnecessarily.

Your initial mortgage appointment is free, so there is nothing to pay simply to speak to us and find out where you stand.

If a fee applies for taking your mortgage further, we will explain this before you commit to proceeding. You should know what you are paying, when it becomes payable and what is included before moving ahead.

That means you can have the first conversation without worrying that booking an appointment automatically means taking on a cost or committing yourself to an application.

We can get started as soon as we have enough information to understand your circumstances and what you’re looking to do.

The quickest progress usually comes when we can work closely together from the start. Having your documents ready, responding promptly when we need something and giving your mortgage advisor everything they need can help us move much faster.

Once we have the right information, we can begin looking at suitable lenders and mortgage products straight away.

If you need an Agreement in Principle because you’re preparing to make an offer, we can often arrange one within 24 hours of your initial appointment.

Getting organised early means that when the right property or opportunity comes along, there is less to hold things up.

Yes. If something changes after your application has been submitted, tell us as soon as you can.

A change of job, income, property, purchase price or another part of your circumstances does not automatically mean the application cannot continue.

What matters is how the lender views the change and whether anything needs to be reassessed.

We can speak with the lender, establish what they need and work through the available options with you.

Not every change can be accommodated by every lender, so dealing with it early gives us more opportunity to work out the next step rather than letting it surface unexpectedly later.

You’ll have a mortgage advisor who understands your circumstances and remains involved throughout your mortgage.

As your application progresses, you may also hear from members of our case handling team, particularly when there are lender updates, documents to arrange or something needs progressing.

If your mortgage advisor is unavailable for any reason, another member of the team can be briefed on your case and step in when needed.

You won’t need to start from scratch or wait around for someone to return before things can move forward.

You do not need to arrive with a perfectly organised folder of documents just to have the first conversation.

It helps to have a reasonable idea of your income, deposit or available equity, regular financial commitments and what you are hoping to do. If you already have a mortgage, having details of your current deal can also be useful.

When it is time to prepare an application, we will tell you exactly what documents are needed. These commonly include identification, proof of address, bank statements and evidence of income such as payslips or tax documents, depending on how you are paid.

Yes. Your mortgage does not have to be a one-off conversation with us.

When your existing deal is approaching its end, we can review what you already have and compare it with the options available at that point.

That may include staying with your current lender through a product transfer or remortgaging elsewhere if another option works better for you.

Coming back before the deal expires also gives you time to understand your choices rather than waiting until you have already moved onto your lender’s standard variable rate.

Of course.

Sometimes the most useful outcome from a mortgage appointment is finding out that applying today is not the best move.

You may want more time to build your deposit, wait for a change in income, reduce an existing commitment or simply put your plans on hold for a while.

There is no requirement to force an application before you are ready. If your circumstances change later, you can come back to us and we can look at the position again based on where things stand then.

That way, getting in touch now can still be useful even if your mortgage does not happen straight away.