Malcolm and his mortgage experts
The best thing about our job as a Mortgage Broker in Manchester is helping our clients navigate through the often stressful experience of buying a home or remortgaging. It can be a complicated process and our clients love having someone on their side from start to finish to ensure they get the right advice.
We do pride ourselves on providing a highly responsive service, communication is everything in this job. We work from a large panel of well-known high street banks and building Societies to ensure our clients get the best deal available to them but we also work with smaller, more specialist Lenders too for when we come across clients who don’t “tick all the boxes”.
Malcolm Davidson
Amy Davidson
Chris Thompson
Charlie Bryson
Jason Loft
Leo Shakespeare
Matt Collinson
Tom Bowes
Wayne Dewsbury
4.96 Rating397 Reviews
Krist
Perfect service and cannot fault anything, Chris and Meghan have been top class on my application and have recommended to my family & friends!
5 days ago
Anonymous
Money man was super helpful, always replies and keeps you in the loop of the process. The staff are really nice and genuine not overly business oriented and pushy to go through them for everything.
5 days ago
Carol
I was assisted by Chris Thompson and Lyndsey Smith with a buy to let mortgage and residential mortgage. Both Chris and Lyndsey were absolutely brilliant. They researched the market thoroughly to get the best deals, acted swiftly to beat interest...
1 week ago
Kiranjeet
Highly recommend using Manchester moneyman, we used them to broker our mortgage 2 years ago and they proactively made contact well in advance of the fixed term coming to an end and secured us a new rate that we’re really happy with.
2 weeks ago
Natasha
UK Moneyman has been fantastic from day one, always communicating updates on progress. They have made it less stressful.
1 month ago
Jack
Very helpful staff, nothings too much to ask, great for first time buyers as they explain everything and ensure you understand everything
1 month ago
Cameron
We had an amazing experience with UK Moneyman! Our mortgage advisor Matt was very helpful and did a great job advising and finding us the best products. Matt and Lyndsey are a good team, friendly and professional. We highly recommend them to...
2 months ago
Kirsty
Chris and Debbie have been great in helping us find three mortgage deals now after our first 2 attempts at house purchases fell through. Always sympathetic and informative. Talking us through multiple options available to us. Explaining the process...
2 months ago
Toby
Many Thanks to Jason and Debbie for securing my mortgage. Would definitely recommend!
2 months ago
Mark
Daniel has always been very helpful. Always nice to talk to and explains everything so we understood every part of the process.
2 months ago
Stephanie
Dan was very polite and informative, sorted our re-mortgage out very quickly :)
3 months ago
Daniel
Manchester MoneyMan are by far the best mortgage brokers i have dealt with and most definitely the most helpful and supportive whenever you need to clarify things, 100% recommended. Chris Thompson and Louise hepworth in particular have helped me...
3 months ago
Elena
Very knowledgeable.
3 months ago
Bev
I have no hesitation in recommending this company. Leo and Lyndsey were a great team and went above and beyond to get me my mortgage offer in super quick time. They were completely professional at all times, keeping me posted of progress and...
3 months ago
Clare
Used money man for the second time! They contacted me as mortgage deal was coming to an end! Dealt with Daniel who made the process very easy! Very professional and easy to talk to! Would definitely use them everytime
3 months ago
Eleanor
Charlie, was very kind and helpful. He made everything feel easy to understand and no query was too big or small. We are very pleased with this service and couldn't imagine not having a broker.
3 months ago
Huong
Helpful, smart and quick ! Conor Longthorn just got me a mortgage offer in less than 10 days! Thank you
3 months ago
Mostafa
It has been a fantastic experience to work with Matt Collinson from day one! Matt is very knowledgeable, will consider all available options, and will produce well-informed advice that considers all surrounding circumstances. Moreover, he is...
3 months ago
Gary
Having tried other brokers I was struggling to find a mortgage but Manchester Moneyman came to the rescue and sorted me an excellent deal
4 months ago
"Natasha
Fantastic service from Moneyman; Jason and Jennifer were knowledgeable, efficient and a pleasure to work with. Highly recommended for first time buyers 🏠🎊
4 months ago
Common mortgage questions
Your free initial mortgage consultation in Manchester will last roughly 30 mins. A dedicated advisor will then recommend a mortgage for you, with no obligation to accept and go forward and proceed with the mortgage in question, if you decide that it is not for you.
As trusted Mortgage Advice professionals in Manchester, we will carry out a Fact Find to establish your personal needs before we go ahead with recommending the most suitable mortgage for your situation. From there you will be credit checked, which is a requirement to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can be issued a formal mortgage offer.
We recommend you obtain an Agreement in Principle prior to property viewings in Manchester, in order to avoid potential disappointment. At the very latest we would suggest that you obtain one before you make any offers, to put you in a better bargaining position. As a dedicated Mortgage Broker in Manchester, we are typically able to obtain an agreement in principle within 24 hours.
Generally speaking, an Agreement in Principle will last for between 30 and 90 days, depending on the lender that is used. If your Agreement in Principle expires before you can make use of it, it can be easily refreshed by speaking to your advisor.
If you’re looking to achieve something like debt consolidation or home improvements, you may be able to place a second mortgage on your home. If you’re looking to use it for yourself, a family member, a holiday home or a Buy to Let, a second mortgage on that property may also be an option.
A high street lender will typically require you to put down at least 5% of the property purchase price for your deposit. If you have had credit problems in the past, this may be higher.
If you have struggled with credit problems in the past, you may still be eligible for a mortgage, though a lender may possibly require you to put down a higher deposit than expected. This can be something like 15% of the property purchase price.
Submitting at least one year’s accounts moves you along the process, allowing for you to potentially obtain a mortgage in Manchester. Most lenders will utilise your salary plus dividend to calculate the maximum mortgage amount you are eligible to borrow, whereas some other lenders will go off your net profit.
In order for an employee to prove their income, it’s usually 3 payslips and the last 2 years’ accounts if you are self-employed. You will also need to provide some proof of ID, address and the last 3 months’ bank statements.
The free initial mortgage consultation that we offer generally lasts up to around 30 mins. We are then able to turn around an agreement in principle within 24 hours of that appointment. A formal mortgage offer takes, on average, somewhere around three weeks.
Handy quick links
