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 Rating373 Reviews
Jemma
Amazing service from Matt & Louise from the very start. They’ve both been approachable, knowledgable & really helpful. As first time buyers with a 5% deposit, we didn’t have a clue where to start. We now have a mortgage offer...
2 weeks ago
James
Brilliant from day one! Jason was super quick to get in touch with us, really easy to talk to and very clear in his explanations etc. As first time buyers we weren't too sure on what to do and how it all works etc. We got the AIP fairly...
1 month ago
Louise
Amazing service. As first time buyers we did not know the process of purchasing a house and getting a mortgage. Jason Loft was very informative and always made himself available whenever we were unsure on something. They're very prompt with...
2 months ago
Anonymous
Great communications, they made the whole house-buying process a lot less daunting by explaining all the steps and helping out throughout the way. Highly recommended!
2 months ago
Chloe
Matt and Megan have both been fantastic and we couldn't have done this process without them. Always available to speak to us when we had any questions and kept us informed throughout.
2 months ago
Stephen
We were delighted with the level of service we received from Manchester Moneyman! Highly recommend!
3 months ago
Daniel
When it comes in terms of mortgage Manchester money man is the best network in the UK . YOU can't take it away from them. For TOM and MEGHAN you guys amazing ...You rock, thanks.
3 months ago
Charlotte
Our advisor was friendly, approachable, knowledgable and was obviously experienced. He explained everything in a way that we could understand and made sure he was available to answer questions even outside of normal work hours which was much...
3 months ago
Barbara
I can't recommend this service enough. Just had my mortgage agreed, and they've stayed in close contact throughout the process. I couldn't have done it without them as my circumstances were not straightforward being an older applicant...
3 months ago
Zuzanna
Manchester Moneyman has really made getting a mortgage seem quick, simple and stress-free. I would especially like to thank Dinah and Anna for being absolutely amazing in guiding us through this process, it has been surprisingly enjoyable and cannot...
3 months ago
Rachael
Manchester money man were a massive help with our mortgage application and the whole process. Jason was always fast at responding and talked us through the whole process of buying a house, which was incredibly useful to us as first time buyers!
3 months ago
James
Having Manchester Moneyman as our Broker was amazing, Dinah and Anna made the hole thing so kuchen easier for us and really helped us out when making the choices we made and ensuring that we had all our questions answered, Dinah would have regular...
3 months ago
Natalie
I couldn’t recommend anymore, Matt and Molly have been fantastic after months of obstacles from the bank and things not looking great with me being a single mum of two and a massive childcare bill, they didn’t stop or give up when it was...
4 months ago
Anonymous
Excellent service, very straightforward.
4 months ago
Anonymous
Great customer service and found us a great deal. Really helpful taking us through the whole process as first time buyers and where always on hand to help with any questions. Definitely recommend!
4 months ago
Anonymous
I recently used Manchester Moneyman to simultaneously help with a BTL remortgage and a residential mortgage. I found them to be very helpful, communicating the options to me well and keeping me informed of progress throughout. I would recommend...
4 months ago
Andrea
They are the best, It was my first time applying for a Mortgage and they explain everything, no delays, excellent customer service, I am happy I choose them to Advise us!! 100% recommend
5 months ago
Mary
Quick response. Service was really good. Can't fault it. I would definitely recommend
5 months ago
John
Malcom helped us turn around a mortgage application from scratch in a matter of days, meeting our tight deadlines, and helping us with great advice throughout the process. Very fairly priced for the service we received, couldn't recommend...
6 months ago
Karl
Excellent again
6 months ago
Common mortgage questions
Your free initial mortgage consultation in Manchester will last roughly one hour. 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 an hour. 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
