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 Rating476 Reviews
Bryn
Charlie was pleasant, thorough and efficient. In just half an hour he had explained several different options for my remortgage and we had come to an agreement on how to proceed. Such a great service!
5 days ago
Michael
The service was excellent with a personal advisor walking me through the process end to end, answering any questions I had throughout. Would highly recommend to anyone!
1 week ago
Dawn
Leo Shakespeare and Stacey Moss have been Fantastic throughout the process of getting our mortgage they have been in contact throughout explaining everything to us from start to finish we can not thank them both enough for helping with this process...
3 weeks ago
Deborah
Excellent and friendly customer services
1 month ago
Dr William
Charlie has been so helpful and very approachable. The whole team at ManchesterMoneyman have been great. Highly recommend to others!
1 month ago
John
Charlie was friendly, thorough and full of advice, which was great as a first time buyer. He was also very accommodating of my extra needs due to my loss of hearing, which is quite rare in my experience. I’d highly recommend Manchestermoneyman and...
1 month ago
Anonymous
Chris - our mortgage broker has been incredible throughout the process. Very pleased with the service offered and will be back when we need to remortgage.
1 month ago
Anonymous
We received a great service, no hassle for us, they worked quickly with initiative and secured a good product.
2 months ago
Mr.
We have used Manchester money man a few times now and always find them to provide us an excellent service. They offer all options and explain the pros and cons of each allowing us to make an informed decision. Could not recommend highly enough
2 months ago
Mrs.
We have worked with them a few times on mortgages and they are very helpful and efficient, highly recommend
3 months ago
Mr Thomas
Very helpful in getting me the best deal for my remortgage. Very promopt with replying and flexible times for calls made the whole process very easy. Highly recommend!
3 months ago
Tracy
Professional, friendly, reliable, supportive service. I can't fault them.
3 months ago
Carl
Clear and prompt communication, friendly service, tailored to our needs.
3 months ago
Mrs Sarah
Extremely helpful and knowledgeable.
3 months ago
Mark
Very happy with all the help and advice Daniel provided us. Would highly recommend.
3 months ago
Kadiatu
The team were very professional and helpful, everything went smoothly. It was less stressful for me
5 months ago
Portia
Very good efficient service
5 months ago
Paul
This is our second time using Manchester Moneyman. Daniel and Kerry have been amazing throughout the process. We had issues with the solicitors which Kerry helped resolve without even being asked. Thank you for everything and would not hesitate...
6 months ago
Anonymous
Very straightforward and clear, they made everything so simple for my first mortgage and the renewal was even easier.
7 months ago
Gary
This team is fantastic! They handle everything, making the whole process incredibly easy and hassle-free. I highly recommend them!
7 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 476 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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Manchestermoneyman 2025.
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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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Manchestermoneyman 2025.
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