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

Landing Page Single M

Mortgage Broker in Ashton Under Lyne

& 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!

Mortgage Broker in Ashton Under Lyne

& 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 Ashton Under Lyne

Navigating your mortgage journey is made stress-free and hassle-free with our dedicated team serving as your mortgage broker in Ashton Under Lyne. From inception to completion, we stand by you at every juncture. Beyond merely identifying the right mortgage product, our services encompass aiding in your mortgage application preparation and pinpointing the most suitable insurance for you and your family.

Irrespective of your unique mortgage scenario, we extend a complimentary mortgage appointment to all clients. Feel free to connect, and let’s explore how we can assist you. With over two decades of experience in the mortgage sector, we are committed to ensuring our clients secure outstanding and competitive mortgage products. This dedication defines us as your trusted mortgage broker in Ashton Under Lyne.

Speak to an Advisor - It's Free!
Video BG One Video BG Two
Your Mortgage Options in Ashton Under Lyne

All of our Customers Receive a Free Mortgage Appointment!

Securing your free mortgage appointment with a dedicated mortgage advisor in Ashton Under Lyne is now more convenient than ever. Our modern ‘Book Online’ system empowers you to select a date and time instantly. Alternatively, a simple phone call will connect you with one of our team members, assisting in scheduling a suitable appointment. During your free mortgage consultation, engage in a one-on-one discussion with a knowledgeable mortgage advisor in Ashton Under Lyne.

Your advisor will also extract crucial details about your personal and financial circumstances through relevant questions, enhancing our understanding of your goals. Armed with this information, your mortgage advisor will embark on a quest to identify the ideal mortgage product tailored to your needs. Post-appointment, our team diligently sifts through thousands of mortgage products from our diverse panel of lenders, ensuring a seamless match for you and your property.

No matter how intricate or uncommon your circumstances may be, don’t hesitate to reach out. We relish tackling challenges, drawing on our wealth of experience to offer solutions and extend a helping hand.

Our Reviews

Your Mortgage Options in Ashton Under Lyne

First Time Buyer Mortgages in Ashton Under Lyne

Accorion Arrow

Embarking on the journey of becoming a first-time buyer in Ashton Under Lyne can be a unique and unfamiliar experience, particularly when delving into the mortgage aspect. When you’re ready to commence this journey, the first crucial step is to determine your borrowing capacity and overall affordability. As your trusted mortgage broker in Ashton Under Lyne, this is a service we provide during your complimentary mortgage appointment.

A significant aspect of this process involves preparing your mortgage application, ensuring it aligns with your affordability, supported by all the necessary documents. Your mortgage broker in Ashton Under Lyne will expertly guide you through this step, assisting in completing and fine-tuning your application to meet lender standards. This ensures your application is in optimal shape and aligns seamlessly with the criteria set by lenders.

Moving Home Mortgages in Ashton Under Lyne

Accorion Arrow

Moving home in Ashton Under Lyne involves more than just leaving your current residence; it necessitates selling your existing property and addressing its mortgage before anything else. Recognising the potential stress of this process, we’re here to alleviate your burden during this busy time.

If transferring your existing mortgage or associated costs prove challenging, exploring a suitable mortgage solution for your new property becomes essential. Our expertise allows us to sift through thousands of mortgage options, identifying a competitive product tailored to your new home. With access to a diverse range of lenders, both high street and specialists, our panel equips us to find the perfect fit on your behalf.

Buy to let Mortgage Ashton Under Lyne

Accorion Arrow

Whether you’re eyeing a mortgage for a buy-to-let, holiday let, let-to-buy, or HMO property, our team of experienced mortgage advisors in Ashton Under Lyne is ready to assist. With over two decades of expertise, we’ve been aiding buy-to-let landlords in Manchester and its surrounding areas, making us well-versed and knowledgeable in the buy-to-let sector.

To connect with a knowledgeable buy-to-let mortgage advisor in Ashton Under Lyne, like ourselves, simply schedule a free mortgage appointment online at your convenience. Alternatively, our phone lines are open seven days a week for those who prefer communication through this mode.

Remortgaging in Ashton Under Lyne

Accorion Arrow

Approaching the end of your current fixed mortgage term requires strategic consideration of the remortgaging process. This entails switching to a new mortgage product to replace your existing one. It’s advisable to commence exploring new mortgage options at least six months before your current deal expires.

Failing to remortgage before your fixed term concludes might result in a transition to your lender’s standard variable rate, potentially leading to higher monthly repayments. We’re here to simplify this process by diligently searching the entire remortgage market, identifying the most suitable product for your needs. Our dedicated remortgage advisor in Ashton Under Lyne carefully evaluates thousands of offers to determine the best fit for you.

Did you know there are additional remortgage options available to you? These include financing home improvements, releasing equity, or consolidating debt. If these possibilities align with your goals, don’t hesitate to reach out or book a free remortgage review online.

Self Employed Mortgages Ashton Under Lyne

Accorion Arrow

If you’re self-employed in Ashton Under Lyne, the mortgage process follows a similar path to other scenarios, with a crucial distinction – how you evidence your income.

Our dedicated mortgage advisor in Ashton Under Lyne will guide you through the specific documents required. Similar to other mortgage types, they conduct a comprehensive affordability assessment and diligently search for deals tailored to your unique situation.

Mortgage Options for Over 50s in Ashton Under Lyne

Accorion Arrow

If you’re 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 assisting you with your mortgage needs.

Our Customers Love Us

Reviews Stars4.96 Rating438 Reviews

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 Ashton Under Lyne. As a responsive mortgage broker in Ashton Under Lyne, we work 7 days a week to ensure that you can contact us at a time that best suits you.

Free Mortgage Apppointment

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 Ashton Under Lyne 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 Ashton Under Lyne

Accorion Arrow

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

Accorion Arrow

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

Accorion Arrow

Providing open and honest mortgage advice in Manchester you can get mortgage advice in Ashton Under Lyne 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 Ashton Under Lyne, simply follow our “Get Started” process and get in touch!

7 Days a Week

Accorion Arrow

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 Ashton Under Lyne

What documents will I need for my application in Ashton Under Lyne?

Accorion Arrow

As you progress through your mortgage journey, the time will come when you need to provide documentation to support your mortgage application. These documents typically include forms of identification, bank statements, and payslips. The good news is, you won’t have to navigate this process alone. Your dedicated mortgage broker in Ashton Under Lyne will guide you through the document submission, ensuring a smooth and straightforward experience.

How long does the process in Ashton Under Lyne take?

Accorion Arrow

Your free mortgage consultation is a valuable step in understanding your unique financial situation. Lasting approximately 30 minutes, this session with our dedicated mortgage advisor in Ashton Under Lyne allows for a comprehensive insight into your personal and financial circumstances. Following this consultation, we aim to swiftly provide you with an Agreement in Principle within 24 hours. This not only expedites the process but also provides you with greater flexibility when making offers on properties you’re interested in. The final stage involves submitting your mortgage application, with a formal mortgage offer typically expected within three weeks.

I'm Self-Employed in Ashton Under Lyne, can I get a mortgage?

Accorion Arrow

For self-employed individuals aspiring to secure a mortgage, presenting at least one year’s worth of accounts is a significant step towards obtaining approval. Lenders often calculate the maximum mortgage amount based on a combination of salary and dividends. Alternatively, some may consider your net profit in their decision-making process.

Can I get a mortgage with past credit issues in Ashton Under Lyne?

Accorion Arrow

If past credit issues are causing concerns, rest assured that obtaining a mortgage is not entirely out of reach. While certain hurdles may need to be addressed, such as a potentially higher deposit requirement (around 10-15%), our team is here to help. Contact us to explore specialized mortgage options tailored to your specific financial situation. Our diverse panel of specialist mortgage lenders increases the likelihood of finding the best deal for you.

How much deposit do I need for a mortgage in Ashton Under Lyne?

Accorion Arrow

The standard deposit required for a mortgage in Ashton Under Lyne is typically 5% of the property price. However, credit history plays a role, with lower credit scores often associated with deposit requirements in the range of 10-15%.

Can I get a second mortgage in Ashton Under Lyne?

Accorion Arrow

Securing a second mortgage can serve various purposes, including debt consolidation, home improvements, buy-to-let ventures, or acquiring a second home or holiday property. If you’re considering a second mortgage, our experienced mortgage team in Ashton Under Lyne is ready to help.

How long will my Agreement in Principle in Ashton Under Lyne last?

Accorion Arrow

While the duration of an Agreement in Principle (AIP) may vary, typically lasting 30-90 days, it’s a straightforward process to renew it if needed. Connect with our efficient and friendly mortgage broker in Ashton Under Lyne or your mortgage lender to arrange a renewal of your AIP.

When should I get my Agreement in Principle in Ashton Under Lyne?

Accorion Arrow

Having an Agreement in Principle in place before viewing houses in Ashton Under Lyne can increase your chances of having an offer accepted. This document signals to sellers that you’ve been granted permission to borrow for a mortgage, potentially placing you ahead of other potential buyers without an AIP.

How does the mortgage process in Ashton Under Lyne actually work?

Accorion Arrow

Kickstarting your mortgage journey involves filling out our Fact Find, providing an overview of your current situation. This information is then passed to your expert mortgage advisor in Ashton Under Lyne, who will schedule your free mortgage consultation. During this meeting, your advisor will delve into your needs, paving the way for a tailored mortgage deal.

How does our free mortgage consultation in Ashton Under Lyne work?

Accorion Arrow

Following your consultation, your dedicated mortgage advice specialist in Ashton Under Lyne initiates a comprehensive search for mortgage products aligned with your needs. The goal is to find a competitive deal that not only saves you money but also closely matches your requirements. This diligent process marks the final steps towards your home buying or remortgage journey.

We Search 1000s of Mortgages in Ashton Under Lyne

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
Precise Logo
HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
Kensington Logo
Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

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

Equity Release Council Logo Solla Later Life Logo
Facebook Image X Image Instagram Image YouTube Image LinkedIn Image SpotifyImage TikTok Image

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

Speak to an Advisor - It's Free Enquire Online 0161 7133 215
We use cookies to enhance your customer experience. More detailsGot It