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It's Free to Speak to an Advisor, 7 days, 8am - 10pm
As a mortgage broker in Wigan, we specialise in helping first time buyers make their homeownership dreams a reality.
Whether you’re looking at modern developments or traditional houses, we’ll match you with a lender that suits your circumstances.
With expert mortgage advice in Wigan throughout the process, you’ll be one step closer to owning your first home.
The typical deposit required for first time buyers in Wigan is 5% of the property’s value.
For a home costing £200,000, this means you’ll need at least £10,000 saved.
A larger deposit can improve your borrowing options and secure better interest rates, making your monthly payments more affordable.
Your borrowing capacity as a first time buyer in Wigan will depend on factors like your income, spending, and credit score.
Most lenders offer loans based on 4 to 4.5 times your annual salary, but this can vary.
As a mortgage broker in Wigan, our team can help you calculate your affordability and connect you with lenders who meet your needs.
The process starts with assessing your affordability and securing a mortgage in principle.
Once you’ve chosen a property, we’ll guide you through the full application process, including valuations and lender checks.
With our expertise, each step will be handled smoothly and efficiently.
Yes, options like Shared Ownership can help reduce the upfront costs of buying a home in Wigan.
These schemes are designed to make property ownership more accessible, particularly for those with smaller deposits.
To find out more about the different types of mortgage schemes available, get in touch with our mortgage advisors in Wigan today.
To strengthen your application, focus on improving your credit score, reducing debts, and saving a substantial deposit.
Being prepared with all necessary documentation can also speed up the process.
Our mortgage advisors in Wigan will work with you to identify the best ways to improve your application.
The process typically takes 4 to 8 weeks, though it can vary depending on lender and legal requirements.
Preparing your documents in advance and working with a mortgage broker can help avoid delays and keep everything on track.
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
Book a free mortgage appointment with our team to discuss your options as a first time buyer in Wigan.
We’ll take the time to understand your situation and provide tailored advice to get you started.
With access to thousands of mortgage products, we can find the right one for your needs.
From low deposit options to competitive fixed rates, we’ve got you covered.
Once you’ve chosen your mortgage, we’ll handle the application process on your behalf.
From completing forms to liaising with lenders, we’ll ensure everything runs smoothly and efficiently.
Completion is the final step, where you officially receive the keys to your new home in Wigan.
We’ll support you throughout the process to make sure everything goes as planned.
We offer free, no-obligation mortgage appointments to help you take the first step towards buying your home in Wigan.
Our expert team is here to provide clear and practical advice.
With access to a broad range of lenders, we’ll search thousands of mortgage products to find the perfect fit for your circumstances.
You’re never limited by what’s available on the high street.
We pride ourselves on delivering a service that makes the mortgage process stress-free and straightforward.
From your initial enquiry to completion, we’ll handle everything so you can focus on your new home.
We know how busy life can be, which is why we’re available seven days a week.
Whether it’s a weekend query or an evening chat, we’ll be here when you need us.
A fixed rate mortgage offers stability with consistent monthly payments for a set period.
This is ideal for first time buyers in Wigan who want predictability and peace of mind as they plan their finances.
Tracker mortgages follow the Bank of England’s base rate, meaning your interest rate could rise or fall over time.
This flexible option is perfect for buyers in Wigan who are comfortable with potential changes in their payments.
With discounted variable rate mortgages, you’ll benefit from lower initial interest rates tied to the lender’s standard rate.
While payments can fluctuate, this can make the first years of homeownership in Wigan more affordable.
Variable rate mortgages offer interest rates that can change based on market conditions.
They provide flexibility and can be a good choice for buyers in Wigan who are prepared for fluctuations in their monthly payments.
Shared Ownership allows you to purchase a share of a property while paying rent on the rest.
This option is ideal for buyers in Wigan who want to start with a smaller deposit and gradually increase their ownership.
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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