It's Free to Speak to an Advisor, 7 days, 8am - 10pm

UK Moneyman Mortgage Broker UK - M Shape

Mortgage Broker in Altrincham

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

0161 7133 215Speak to an Advisor - It's Free!
Malcolm Davidson - Managing Director of UKMoneyman

Mortgage Broker in Altrincham

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 0161 7133 215

Mortgage Advice in Altrincham

As your dedicated mortgage broker in Altrincham, our mission is to provide unwavering support and guidance throughout your entire mortgage journey. From inception to conclusion, we stand by you, ensuring a stress-free and hassle-free experience.

Our commitment goes beyond merely identifying the right mortgage product for you and your property. We extend our services to assist in preparing your mortgage application and identifying the most suitable insurance products for you and your family. Regardless of your help you.

With over two decades of experience in the mortgage sector, we take pride in successfully assisting a diverse range of applicants in securing excellent and competitive mortgage products. Consider us your reliable and trusted mortgage broker in Altrincham.

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Your Mortgage Options in Altrincham

All of our Customers Receive a Free Mortgage Appointment!

Securing your free mortgage appointment with a dedicated mortgage advisor in Altrincham has never been simpler. Our modern ‘Book Online’ system empowers you to instantly select a date and time for your appointment. Alternatively, a quick phone call is all it takes, and our team member will help you in setting up a suitable appointment over the phone.

During your free mortgage appointment, engage in a one-on-one discussion with a knowledgeable mortgage advisor in Altrincham. Feel free to pose any questions about your unique mortgage situation. Your advisor will also gather essential information about your personal and financial circumstances by asking relevant questions, ensuring a comprehensive understanding of your goals.

Armed with this gathered information, your mortgage advisor will meticulously search for the perfect mortgage product tailored specifically to your needs. Post-appointment, our team will diligently sift through thousands of mortgage products from our panel of lenders, ensuring we pinpoint the one that aligns best with you and your property.

No matter how unconventional or complex your situation may appear, do not hesitate to contact us. We have likely navigated similar challenges in the past and are always ready for a new opportunity. Thriving on problem-solving, we are here to extend a helping hand.

Our Reviews

Your Mortgage Options in Altrincham

First Time Buyer Mortgages in Altrincham

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Embarking on the journey of purchasing your first home is a unique and unfamiliar experience, particularly when delving into the mortgage aspect. When ready to initiate your venture as a first-time buyer in Altrincham, the pivotal first step is to assess how much you can borrow and evaluate your overall affordability. This pivotal service is provided during your complimentary mortgage appointment with us, your trusted mortgage broker in Altrincham.

A substantial part of this process involves preparing your mortgage application and ensuring it mirrors your affordability, supported by all the requisite documents. Your mortgage broker in Altrincham will expertly guide you through this vital step, aiding in completing and fine-tuning your application to meet the standards set by lenders. This guarantees your application is in optimal condition and aligns seamlessly with what lenders are seeking.

Moving Home Mortgages in Altrincham

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Moving home in Altrincham involves more than just vacating your current residence; it encompasses selling your existing property and addressing its mortgage before anything else. Recognising that moving can be an immensely stressful experience, we’re here to alleviate that stress during this busy time.

Should you encounter challenges in transferring your existing mortgage or find the associated costs burdensome, exploring a suitable mortgage solution for your new property becomes paramount. Our expertise enables us to sift through thousands of mortgage options, identifying a competitive product tailored to your new home. Our panel encompasses a diverse range of lenders, both from the high street and specialists, empowering us to find the perfect fit on your behalf.

Buy to Let Mortgage Altrincham

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Whether you’re contemplating a mortgage for a buy-to-let, holiday let, let-to-buy, or HMO property, our team of mortgage advisors in Altrincham is ready to help you. With over two decades of experience, we’ve been aiding buy-to-let landlords in Manchester and its neighbouring areas, making us well-versed and knowledgeable in the buy-to-let sector.

To connect with a knowledgeable buy-to-let mortgage advisor in Altrincham, such as ourselves, scheduling a free mortgage appointment online is a breeze. Choose a date and time that suits your convenience, or alternatively, reach out to us via phone seven days a week if that’s your preferred mode of communication.

Remortgaging in Altrincham

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Approaching the end of your current fixed mortgage term prompts consideration of the remortgaging process. Remortgaging involves transitioning to a new mortgage product to replace your existing one, and it’s advisable to start exploring new options at least six months before your current deal expires.

Failing to remortgage before your current fixed term ends may lead to a shift onto your lender’s standard variable rate, potentially resulting in higher monthly repayments. We’re here to simplify this process by meticulously searching the entire remortgage market to identify the most suitable product for your needs. Our dedicated remortgage advisor in Altrincham will assess thousands of offers to determine the best fit for you.

Did you know there are additional remortgage options available to you? These include using remortgaging to finance home improvements, release equity, or consolidate debt. If you’re interested in exploring these possibilities or if remortgaging aligns with your goals, feel free to reach out or book a free remortgage review online.

Self Employed Mortgages Altrincham

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If you’re self-employed in Altrincham, the mortgage process follows a similar path to other scenarios, with one crucial distinction – the method in which you evidence your income.

Our dedicated mortgage advisor in Altrincham will help you in navigating the specific documents required. Like other mortgage types, they will conduct a comprehensive affordability assessment and diligently search for deals tailored to your unique situation.

Mortgage Options for Over 50s in Altrincham

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Interested in discussing your later-life mortgage options? Booking your free mortgage appointment online is all it takes. Our in-house later-life team is committed to helping you with your mortgage needs, providing expert guidance tailored to your unique situation.

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Our Simple 4-Step Process

Book Online

Step 1

The first step is in your hands, simply reach out to us and book your free mortgage appointment with one of our mortgage advisors in Altrincham. As a responsive mortgage broker in Altrincham, we work 7 days a week to ensure that you can contact us at a time that best suits you.

Free Mortgage Appointment

Step 2

During this appointment, you will get the chance to speak with an expert in your mortgage situation. Here, you will be asked questions regarding your personal and financial situation so that your mortgage advisor in Altrincham can find you the perfect mortgage product for your circumstances. Once we have found the perfect mortgage product for you, we will present you with it in the form of a mortgage illustration.

Finding a Suitable Product

Step 3

If you want to continue with us and the deal, we can advance to the next stage, preparing your mortgage application! From this point, you will be handed over to your own, dedicated case manager who will help you prepare all of the necessary documents to support your mortgage application. They will sort all of the mortgage side of the process and then when you are ready, we can submit your application.

Submit Your Application

Step 4

After submitting your mortgage application, all that is left to do is to await for a response from your mortgage lender. Once we hear back the good news, we will let you know right away. Now it is time to collect the keys to your new property!

Reasons to Choose Us

Free Appointment in Altrincham

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As a responsive mortgage broker in Manchester, we operate seven days a week. The brilliant reviews we have generated portray the experience we deliver to our customers. Each review shows us how much our service has benefited someone in finding the perfect mortgage product. Take a look at our reviews page for an insight into how we have helped our customers.

Search 1000s of products

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During any mortgage journey, our friendly mortgage advisors in Manchester we have access to 1000s of mortgage products on our vast panel of lenders. We can search through both high street and specialist products in order to find one with the most suitability to your personal and financial situation.

Our Service

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Providing open and honest mortgage advice in Manchester you can get mortgage advice in Altrincham by simply looking at our mortgage guides on our website. Alternatively, if you want to ask a question to one of our mortgage advisors in Altrincham, simply follow our “Get Started” process and get in touch!

7 Days a Week

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Even if you are facing a complex situation, we still recommend reaching out to a mortgage broker in Manchester. We have helped applicants through complicated, difficult situations before, in some cases, where the applicant thought that it was impossible to get a mortgage. That’s why we encourage all applicants to still get in touch; you never know, we might have solved the same issue in the past!

Malcolm and Amy Davidson - Mortgage Advice in Manchester

Common Mortgage Questions in Altrincham

What documents will I need for my application in Altrincham?

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As you progress through your mortgage journey, the request for supporting documents will arise to fortify your mortgage application. This entails items like identification, bank statements, and payslips.

Worry not; your dedicated mortgage broker in Altrincham will guide you through this, ensuring you’re not navigating it alone.

How long does the process in Altrincham take?

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Your free mortgage consultation is a concise yet impactful 30-minute session, allowing our diligent mortgage advisor in Altrincham to gain a deeper insight into your personal and financial landscape.

Post-consultation, we strive to furnish you with an Agreement in Principle within 24 hours, expanding your flexibility to make offers on properties of interest. The final leg involves submitting your mortgage application and patiently awaiting a formal mortgage offer, typically taking around three weeks.

I'm Self-Employed in Altrincham, can I get a mortgage?

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For self-employed applicants, producing at least one year’s worth of accounts is a significant step towards securing your mortgage. Lenders often calculate the maximum mortgage amount by considering the combined sum of salary and dividends. Alternatively, some may base their decision on your net profit.

Can I get a mortgage with past credit issues in Altrincham?

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While prior credit challenges may pose hurdles, securing a mortgage is not entirely out of reach. Extra steps may be required, such as a larger deposit, typically around 10-15%. The specifics vary by lender.

If grappling with credit issues, reach out to us. Our diverse panel of specialist mortgage lenders may hold the key to the best available mortgage deal for your unique financial situation.

How much deposit do I need for a mortgage in Altrincham?

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The standard deposit for a mortgage in Altrincham typically stands at 5% of the property price. However, for individuals with lower credit scores, deposit requirements may elevate to 10-15%.

Can I get a second mortgage in Altrincham?

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Exploring a second mortgage is indeed plausible for various reasons such as debt consolidation, home improvements, or venturing into buy-to-let. Connect with our mortgage team in Altrincham to explore the possibilities.

How long will my Agreement in Principle in Altrincham last?

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The lifespan of an Agreement in Principle typically spans 30-90 days, subject to the lender. If it expires, a seamless renewal process awaits. Reach out to our efficient and friendly mortgage broker in Altrincham or your lender to facilitate the renewal.

When should I get my Agreement in Principle in Altrincham?

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Securing an Agreement in Principle before house viewings in Altrincham can elevate your offer acceptance chances. This document signals your granted permission to borrow, potentially placing you ahead of other buyers lacking their own Agreement in Principle.

How does the mortgage process in Altrincham actually work?

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Commence your journey by completing our Fact Find, providing an overview of your situation. Your dedicated mortgage advisor in Altrincham will then schedule a free consultation, delving deeper into your needs. A subsequent credit check will facilitate obtaining an Agreement in Principle. With supporting documents, you can progress to the final stage – submitting your mortgage application.

How does our free mortgage consultation in Altrincham work?

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In your free mortgage consultation, your dedicated mortgage advisor in Altrincham will glean initial information about your personal and financial circumstances. This sets the stage for a tailored approach in searching for competitive mortgage deals that align closely with your needs.

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Foundation Home Loans & 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.

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Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm

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