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Mortgage Broker in Bolton

Fast & Friendly Mortgage Advice in Bolton

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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Mortgage Advice in Bolton from Advisors with over twenty years of mortgage industry knowledge.

For your FREE mortgage consultation in Bolton call 0161 7133215

About Us

For your FREE mortgage consultation in Bolton call 0161 7133215

Malcoms Image

Mortgage Advice in Bolton from Advisors with over twenty years of mortgage industry knowledge.

About Us

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Open & Honest Mortgage Advice in Bolton

Experienced Mortgage Advisors in Bolton

Providing an expert Mortgage Advice Service in Bolton. We will always do our best to ensure our customers are comfortable, low on stress and in the best position they can be to proceed. No matter what your circumstances may be, we are here to save both your time and your money, aiming find the most appropriate mortgage deal for where you’re looking to be.

 

Why use a Mortgage Broker in Bolton?

If you are after First-Time Buyer Mortgage Advice in Bolton, looking to Remortgage, Moving Home Mortgages, Buy to Let Mortgage Advice or you are Self Employed and wanting Mortgage Advice, then we may be able to be of assistance.

 

Fast and Friendly Mortgage Advice in Bolton

 

If your situation is a little more unique and difficult, worry not as you are in safe hands with us.

 

A free mortgage consultation is available for all of our brilliant customers, no matter the circumstances.

Here are some facts about us:

  • We’re free from Estate Agents, so we have only your interests at heart
  • We search 1000’s of Mortgage offers for you
  • Experienced in Mortgage Situations and up to date with Lending Criteria
  • We Authorised and regulated by the Financial Conduct Authority

 

Having problems?

Often, we find that customers who Get in Touch have already spoken to their own bank about a potential mortgage. Typically the reasons they come to a broker instead, are that they have been told that they are unable to borrow enough for the property they are interested in, or simply do not pass the banks strict mortgage criteria.

 

There can be different potential hurdles with the high street lender too. These can include; divorce/marital split-ups, income structure, the bank won’t lend enough, non-standard property types, self-employed applicants etc.

If you are experiencing a problem like this, then it is important to speak to an Open & Honest Mortgage Broker like us who may be able to help.

 

Open & Honest Mortgage Advisors in Bolton

We have an in-depth knowledge of lending criteria from a very large number of mortgage lenders and years of experience – This means we have a rich history of working hard and being able to help these clients secure mortgage deals.

 

We work hard for you and provide as much help and guidance throughout your home buying or remortgage process.

 

Prior to taking up property viewings with estate agents, you should speak to a Mortgage Broker in Manchester if possible. By doing this, you’ll be able to get a rough idea of your budget and to have a mortgage agreement in principle document prepared, allowing you to be ready for any offers on a property you wish to make.

 

Please feel free to Get in Touch with a new mortgage enquiry or to discuss an ongoing mortgage that you are having problems with. We hope to hear from you soon!

We search 1000's of mortgage deals across a large number of lenders, including:

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About Us

We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

Find Your Mortgage Broker in Bolton on Social Media

We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.

Stress-Free Remortgage Advice in Bolton

You can worry less when it comes to the remortgage process! You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.

Common mortgage questions

During your mortgage journey, you will be asked to provide some documents to backup your mortgage application. This will include things like ID, bank statements and payslips.

Your dedicated Mortgage Broker in Bolton will run through this with you so that you are not doing it all by yourself.

Your free mortgage consultation will be approximately around an hour long, during which a hard working mortgage advisor in Bolton will be able to gain a better insight into your personal and financial situation.

After your consultation is complete, we will try and turn around an Agreement in Principle within 24-hours, giving you more scope for making offers on any properties you are interested in.

The last step of the process is to submit your mortgage application and wait for a formal mortgage offer. Typically, this will take around three weeks.

If you are able to produce at least one year’s accounts, you may be on your way to obtaining your mortgage as a Self-Employed applicant.

We find that the vast majority of lenders will use a sum total of salary plus dividend to work out the maximum mortgage amount that you can borrow, whereas other lenders may base their decision off your net profit.

If you happen to have had credit issues in the past, it may be harder for you to obtain a mortgage, though thankfully for everyone involved, it’s not entirely impossible. You may be required to take extra steps or hurdles, such as being required to put down a larger deposit, perhaps 10-15%. Things like this will vary, depending on the lender.

If you are suffering from bad credit issues, contact us and we will be more than happy to try and provide assistance in any way we can. We have a wide variety of specialist mortgage lenders on panel, one of whom may very well have the best possible mortgage deal that is available for your personal financial situation.

Depending on your credit history, as well as the lender that you are using, the standard deposit required for a mortgage in Bolton is 5% of the property price.

If you fall into the lower credit score bracket, you can typically expect to see 10-15% deposit requirements.

The good news is that yes, this may in fact be possible! There a many reasons why someone would choose to go with a second mortgage..

  • Debt Consolidation
  • Home Improvements
  • Buy to Let
  • For a second home/holiday home
  • Something else…

If you are looking for a second mortgage, feel free to Get in Touch with our mortgage team in Bolton today.

Although it may change based on the lender that you go with, your Agreement in Principle will generally last around 30-90 days.

If your AIP does happen to expire, it’s an easy process to have it renewed. Get in touch with an efficient and friendly Mortgage Broker in Bolton today, or alternatively your mortgage lender, to arrange a renewal of your AIP.

Having an Agreement in Principle in place prior to viewing houses in Bolton, may increase your chances of having an offer accepted.

Your AIP shows that you have been granted permission to borrow for a mortgage, so when it comes to viewing properties and making offers, you are potentially putting yourself in front of any other potential buyers who don’t have their own AIP in place.

The first step in your process is for you to fill out our Fact Find, so that we can get an idea of the situation that you’re currently in. This information will be passed over to your an expert Mortgage Advisor in Bolton, who will then familiarise themself with your situation and be in touch to schedule your free mortgage consultation. During this meeting, your advisor will learn more about you, in order to find a favourable mortgage deal tailored to you.

After your initial consultation, a credit check will be carried out on you, so that you may obtain an Agreement in Principle (AIP). If everything comes back fine and you are happy to proceed, we will ask for you to provide some documents to backup your application.

With your Agreement in Principle, submitted evidential documentation and hopefully (if all goes well) a great mortgage offer that you’re happy to continue with, you can finally move onto the last stage – mortgage application submission!

During your free mortgage consultation, your dedicated Mortgage Advisor in Bolton will collect some initial information from you about your personal and financial mortgage circumstances. They will look to get an in-depth understanding of your needs, in order to find the best course of action heading towards your home buying or Remortgage journey.

Once your primary consultation is complete, your dedicated Mortgage Advice Specialist in Bolton will begin to search for mortgage products on your behalf. They will work hard to try and find a competitive deal that will save you money, also looking to match it as close to your needs as they possibly can.

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