It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
& 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!& 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
Read our 437 Reviews
Read our115+
Google Reviews
I’d like to…
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.
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.
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 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.
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.
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.
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.
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
4.96 Rating437 Reviews
Mr Danny
Contacted by Charlie who has been absolutely fantastic. Answered all our questions and helped us find the right mortgage for us as well as finding home insurance and survey quotes. Would definitely recommend.
5 days ago
Elina
I can say only good things about this company. Our broker Matt Collinson is the best advisor we could have as a first time buyers. He kept us updated all the time, explained all the processes, he was on top of everything at all times. I definetely...
2 weeks ago
David
Manchestermoneyman was recommeded to me via my bank. I found the service excellent. They were efficient, quick, and guided me through the muddy waters of raising finance against the equity in my property. In particular, Dan gave me a feeling of...
3 weeks ago
Anonymous
Comprehensive, friendly and efficient service from start to finish, thank you Tom and team!
4 weeks ago
Anonymous
Excellent company to use. Transparent and fast communication. Did their part professionally and quickly. Thank you Tom and Debbie.
1 month ago
Julie
Fast and efficient and a friendly helpful service. Responded quickly to any queries or advice we needed.
1 month ago
Anonymous
UK MoneyMan was great. Our mortgage advisor was attentative and we had good communication throughout and in timely manner. As first time buyers, we benefited from all their professional advice.
1 month ago
Christopher
Excellent service. Professional and courtesy on the phone. Recommend highly.
1 month ago
James
We selected MoneyMan because they were with us throughout the whole process of buying a house. As first time buyers it can be daunting with an overload of new information, however, our mortgage advisor was easily accessible and flexible and was able...
1 month ago
Robert
We renewed our mortgage and the service was excellent. Everything was explained and all questions answered. We got a better rate than offered on our lenders website. Would recommend Manchestermoneyman to anyone renewing their mortgage.
2 months ago
John
Malcolm was a great support in advising us on a mortgage and communicated clearly with us throughout the process. Highly recommended Thank You
2 months ago
Heather
Conor has been amazing in securing me a mortgage under unique and challenging circumstances. Where other brokers have given up, Conor was able to find me a great deal which means I’m going to be payment much less a month.
2 months ago
Mark
This was our first time using a broker. The process and outcome far exceeded our expectations. Efficient, caring, dedicated, knowledgeable. Our interface to you was Dan Osman, so all of the above superlatives were down directly to him. He was an...
2 months ago
Abdul
I appreciate the service I received and the support from the staff, I would recommend to anyone.
2 months ago
Chloe
Would highly recommend. Chris and Mel were incredible and kept searching for lenders for me even when I had given up hope. Will be using them again and recommending them to everyone.
3 months ago
Jessica
We used Manchester Moneyman after being recommended by a friend and glad we did. We are first time buyers and Charlie and Meghan were both great. They were really friendly, replied quickly, always on hand to answer any questions we had and got our...
4 months ago
Charlotte
Fast, friendly and professional
4 months ago
Stephen
Charlie was with me every step of the way and was always patient and helpful with questions I had about the process.
4 months ago
Sameer
Charlie has been amazing along with Lizzi. I can not thank them enough for their support and professionalism. We highly recommend Manchestermoneyman for all their deliverables. Once again - A big thank you.
4 months ago
Imran
Jason and lizzi and Megan and team all are amazing people. Really helpful to get work done. Definitely highly recommend.
5 months ago
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.
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.
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.
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!
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.
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.
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!
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!
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.
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.
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.
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.
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%.
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.
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.
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.
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.
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.
Read our 437 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
Contact
Follow Us
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
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm
