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 Rochdale, we’re here to help first time buyers like you take the first step onto the property ladder.
With access to a wide network of lenders, we’ll find the most suitable mortgage for your circumstances.
Whether you’re looking at new builds or older homes, our expertise ensures you’re in safe hands from start to finish.
In Rochdale, the minimum deposit for first time buyers is typically 5% of the property’s value.
For instance, a home valued at £160,000 would require at least £8,000 as a deposit.
Saving a larger deposit not only improves your chances with lenders but could also unlock better interest rates, giving you lower monthly payments.
The amount you can borrow depends on your financial circumstances, including your income and outgoings.
Most lenders in Rochdale will offer loans based on 4 to 4.5 times your annual salary.
If you’re unsure of your affordability, a mortgage advisor in Rochdale can assess your situation and help you find a lender who fits your needs.
The first step is to work out how much you can afford to borrow and get a mortgage in principle.
Once you’ve found a property and your offer is accepted, we’ll guide you through the full application process.
Our team is here to handle the paperwork, liaise with lenders, and make the journey as smooth as possible.
Yes, there are schemes like Shared Ownership that help reduce the upfront costs of buying a home.
These initiatives can be a great way for first time buyers in Rochdale to secure a property with a smaller deposit.
Getting mortgage advice in Rochdale can help you explore all of the options available.
To strengthen your application, focus on maintaining a good credit score and reducing any outstanding debts.
Having a clear idea of your budget and being prepared with the necessary documents will also help.
We can review your financial situation and suggest ways to make your application as strong as possible.
The process typically takes 4 to 6 weeks, but this can vary based on factors like lender response times and legal checks.
With our help, you can stay on top of the timeline and avoid unnecessary delays.
Being well-prepared and organised is key to a smooth experience.
Our Customers Love Us
4.96 Rating458 Reviews
Anonymous
Very straightforward and clear, they made everything so simple for my first mortgage and the renewal was even easier.
1 month ago
Gary
This team is fantastic! They handle everything, making the whole process incredibly easy and hassle-free. I highly recommend them!
1 month ago
Michelle
I would high recommend this service they were amazing, and very professional. They were helpful throughout the whole process.
1 month ago
Michelle
Amazing service, extremely helpful and professional. Would highly recommend. Very happy with the service
2 months 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...
2 months 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 months 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 months ago
Christopher
Brilliant service. Knowledgeable & very professional.
2 months ago
Mrs Claire
Very helpful got us a mortgage a lot sooner than we expected. Very happy
3 months 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...
3 months 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!
5 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.
5 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.
6 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.
6 months ago
Chiara
Worked with Malcolm and Debbie! Couldn’t recommend them enough. Thankyou for all your help!
6 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!
7 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...
7 months ago
Chris
Amazing service from start to finish!
7 months ago
Paul
Malcolm was very helpful and efficient.. definitely would recommend their services.
7 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.
7 months ago
Get started with a free mortgage appointment, designed to give you expert advice tailored to your needs.
We’ll assess your financial situation and help you take the first step towards buying your first home in Rochdale.
We search through thousands of mortgage products to find the best deal for your circumstances.
Whether you’re looking for a competitive rate or a low deposit option, our wide network of lenders ensures we’ll find the right fit.
Once you’re happy with your chosen mortgage, we’ll handle the application process for you.
From submitting paperwork to staying in touch with lenders, we’ll ensure everything is completed quickly and accurately.
Completion is the final and most exciting step, where you officially become a homeowner in Rochdale.
We’ll be by your side throughout the process, ensuring everything goes smoothly and you’re ready for your big day.
We offer free mortgage appointments to help first time buyers in Rochdale get started with confidence.
Our expert advice is tailored to your circumstances, ensuring you’re fully informed before making any decisions.
With access to thousands of mortgage products, we can find the one that fits your financial situation.
Our wide range of options means you’re not limited by what’s available on the high street.
Our personalised service is designed to take the stress out of the mortgage process.
From your first enquiry to the day you get your keys, we’ll make everything as simple and straightforward as possible.
We understand that life is busy, which is why we’re available 7 days a week.
Whether you have questions on a weekday evening or need help over the weekend, we’re here to support you.
Fixed rate mortgages provide stability by keeping your interest rate the same for a set period.
This option is popular with first time buyers in Rochdale who prefer predictable payments, making budgeting easier as they settle into their new home.
A tracker mortgage follows the Bank of England’s base rate, which means your interest rate could increase or decrease.
If you’re comfortable with potential fluctuations, this type of mortgage can offer flexibility and potential savings.
This type of mortgage offers an initial discount on the lender’s standard variable rate, helping to reduce your early payments.
While rates can vary, it’s a great choice for buyers in Rochdale looking for lower costs at the start.
Variable rate mortgages have interest rates that can change at the lender’s discretion, reflecting market conditions.
For first time buyers in Rochdale, they offer flexibility but require careful budgeting for potential payment changes.
Shared Ownership allows you to buy a portion of a property while paying rent on the rest.
This scheme is ideal for buyers in Rochdale looking to enter the property market with a smaller initial deposit.
Read our 458 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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7 Days a Week, 8am – 10pm
