It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
As a mortgage broker in Bolton, we specialise in helping first time buyers secure their first home with confidence.
With a diverse range of mortgage products available, we’ll work with you to find a deal that matches your financial situation.
Whether you’re exploring options for modern developments or traditional terraced homes, our expertise ensures you’re well-prepared for the journey ahead.
For first time buyers in Bolton, the minimum deposit required is usually 5% of the property’s value.
For example, a property priced at £150,000 would require a deposit of at least £7,500.
If you’re able to save more, you may gain access to better mortgage deals with lower interest rates, making your monthly payments more manageable.
The amount you can borrow depends on factors like your income, regular outgoings, and credit history.
Lenders often use an income multiple of 4 to 4.5 times your annual salary to determine your borrowing capacity.
If you’re unsure about your affordability, a mortgage broker in Bolton can guide you through the process and identify lenders suited to your financial profile.
The first step is calculating how much you can afford and securing a mortgage in principle.
Once you’ve found a property, you’ll move forward with a formal application, including property valuations and lender checks.
Using a mortgage advisor in Bolton can make the entire process smoother, from start to finish.
Yes, several schemes, such as Shared Ownership, are available to assist first time buyers in Bolton.
Mortgage schemes can reduce the initial costs of buying a home and are ideal if you’re looking to enter the market with a smaller deposit.
Maintaining a good credit score, reducing existing debts, and ensuring your finances are in order can significantly improve your chances.
It’s also helpful to have all your documents prepared before starting the application process.
Our team can help you review your situation and strengthen your mortgage application.
The timeline can vary, but it generally takes 4 to 6 weeks from application to offer.
Factors like property valuations and legal checks can influence the timeline.
Getting mortgage advice in Bolton can help ensure everything progresses as quickly and efficiently as possible.
Our Customers Love Us
4.96 Rating457 Reviews
Gary
This team is fantastic! They handle everything, making the whole process incredibly easy and hassle-free. I highly recommend them!
14 hours ago
Michelle
I would high recommend this service they were amazing, and very professional. They were helpful throughout the whole process.
2 days ago
Michelle
Amazing service, extremely helpful and professional. Would highly recommend. Very happy with the service
1 week ago
Mrs Vanessa
Brillant. Helped us with non-standard employment conditions and were very efficient at getting everything sorted. Also very easy to get hold of. We always use a paid broker, their fee is very reasonable for the efficiency and personal service you...
1 week ago
Matthew
Can not speak highly enough of the people I have spoken to and the service I have received from the team. Charlie and Debbie are a credit. None patronising, easy to speak to, welcoming and very helpful. Will continue to recommend to friends.
2 weeks ago
Ruth
Excellent experience with Matt and Stacey from UK moneyman. As first time buyers they made this experience easy and stress free. I'd really recommend using UK moneyman! 10/10!
2 weeks ago
Christopher
Brilliant service. Knowledgeable & very professional.
3 weeks ago
Mrs Claire
Very helpful got us a mortgage a lot sooner than we expected. Very happy
1 month ago
john
Louise was absolutely outstanding !!! We had a few issues with the property we were purchasing and Louise was so helpful in getting us the answers we required from the lender within a timely manner. I spoke with Louise regularly and she was...
1 month ago
Jiri
Leo from Manchester Moneyman was very helpful and efficient in securing us a mortgage on much better terms than our bank could offer. Thank you!
3 months ago
Olusola
The process has been stress free from the start to the end. The team has been helpful. I will definitely recommend Manchester Moneyman to people.
3 months ago
John
We've used UK Moneyman for two house purchases and remortgaging our current home. The team are unfailingly professional and lovely to work with. I'd recommend them to anyone in need of an excellent mortgage broker.
4 months ago
Alanya-Lee
As first time buyers, we needed all the support and guidance we could get. Tom was fabulous, honest and genuinely had our best interest at heart. He answered all of my silly questions and was always a phone call away.
4 months ago
Chiara
Worked with Malcolm and Debbie! Couldn’t recommend them enough. Thankyou for all your help!
4 months ago
Marco
Leo went above and beyond to provide all the information and assistance I needed to secure my dream property. Very friendly and professional. Highly recommended!
5 months ago
Stephanie
Originally took mortgage out 5 years ago and have just re-mortgaged with them. As this was a product transfer and I was a returning customer this was a no charge for this service. Can’t ask for better than that. All paperwork done by them and I...
5 months ago
Chris
Amazing service from start to finish!
5 months ago
Paul
Malcolm was very helpful and efficient.. definitely would recommend their services.
6 months ago
Amy
The whole team was super friendly and helpful, spent a lot of time navigating my challenging circumstances, and got me a better rate than I ever expected.
6 months ago
Alan
The team are extremely efficient and professional and always willing to help. Especially Paula. I’d have no hesitation to recommend them to my friends and family.
6 months ago
Start your journey with a free mortgage appointment to explore your options as a first time buyer in Bolton.
Our expert team will assess your circumstances and provide personalised advice without any obligation.
We work with a wide range of lenders to give you access to thousands of mortgage products.
Whether you’re looking for a low-deposit option or a competitive fixed rate, we’ll find a solution that works for you.
Once you’ve selected the right mortgage, we’ll handle the entire application process for you.
From completing the forms to liaising with lenders, we’ll ensure everything is done efficiently and accurately.
Completion marks the exciting moment when you officially own your new home in Bolton.
We’ll keep you updated every step of the way to make sure this milestone goes as smoothly as possible.
We offer free, no-obligation appointments to help you get started on your home-buying journey.
Our team will listen to your needs and provide clear, tailored advice to suit your goals.
With access to thousands of mortgage products, we can find a deal that fits your unique circumstances.
Our broad selection ensures you’ll always have plenty of options to choose from.
We’re here to make your mortgage experience as stress-free as possible.
From your initial enquiry to receiving your keys, our team is dedicated to guiding you through every step.
We understand that your schedule can be busy, which is why we’re available 7 days a week.
Whether it’s after work or on the weekend, we’re here when you need us.
Fixed rate mortgages are a popular choice for first time buyers in Bolton who want stable monthly payments.
This option ensures your interest rate won’t change during the fixed term, making it easier to budget for your new home.
A tracker mortgage moves in line with the Bank of England’s base rate, which can lead to interest rates rising or falling.
This flexible option is ideal for first time buyers in Bolton who are comfortable with the potential for fluctuating monthly payments.
A discounted variable rate mortgage offers a reduced interest rate for an initial period, making it a cost-effective choice for first time buyers in Bolton.
While payments can vary, the initial savings can help you settle into your new home.
With a variable rate mortgage, the interest rate changes according to market conditions.
This option provides flexibility and is suited to buyers in Bolton who are comfortable with potential fluctuations in their payments.
Shared Ownership schemes allow you to buy a portion of a property and pay rent on the remaining share.
This is an excellent option for buyers in Bolton who want to start small and increase their ownership over time.
Read our 457 Reviews
Manchestermoneyman.com & Manchestermoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Manchester, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Manchestermoneyman.com & Manchestermoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Manchester, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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