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Mortgage Broker in Bramhall

& 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 Bramhall

& 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 Bramhall

Embarking on the path to homeownership is a significant milestone, and as your dedicated mortgage broker in Bramhall, we are committed to providing comprehensive support at every step. From the initiation to the conclusion of your mortgage journey, our aim is to make the experience stress-free and hassle-free.

Our services go beyond merely finding the right mortgage product for your property. We extend a helping hand in preparing your mortgage application and identifying the most suitable insurance for you and your family. Regardless of the intricacies of your mortgage situation, a free mortgage appointment is offered to all customers. Feel free to connect with us, and let’s explore how we can tailor our assistance to meet your specific needs.

With over two decades of experience in the mortgage sector, we take pride in our role as your trusted mortgage broker in Bramhall, having successfully helped a diverse range of applicants in securing excellent and competitive mortgage products.

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Your Mortgage Options in Bramhall

All of our Customers Receive a Free Mortgage Appointment!

Booking your free mortgage appointment with our dedicated mortgage advisor in Bramhall has never been easier. Our contemporary ‘Book Online’ system empowers you to choose a date and time instantly. Alternatively, a simple call to our team allows one of our members to help you in setting up a suitable appointment over the phone.

During this free mortgage appointment, you’ll engage in a one-on-one discussion with our knowledgeable mortgage advisor in Bramhall. Feel at liberty to ask any questions about your unique mortgage situation. Your advisor will gather essential information about your personal and financial circumstances, asking relevant questions to better understand your goals.

Armed with this gathered information, your mortgage advisor will embark on a diligent search through thousands of mortgage products from our panel of lenders. The objective is to pinpoint the perfect mortgage product tailored precisely to your needs. After the appointment, our team dedicates themselves to this thorough search, ensuring we find the ideal fit for you and your property.

No matter how intricate or unconventional your situation may appear, don’t hesitate to reach out. We thrive on solving challenges and are always ready for new opportunities to lend a helping hand.

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Your Mortgage Options in Bramhall

First Time Buyer Mortgages in Bramhall

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Initiating your journey as a first-time buyer in Bramhall involves understanding how much you can borrow and assessing your overall affordability. As your trusted mortgage broker in Bramhall, we offer this service during your complimentary mortgage appointment.

This process encompasses preparing your mortgage application to reflect your affordability, supported by all necessary documents. Your mortgage broker in Bramhall will guide you through this critical step, aiding you in completing and fine-tuning your application to meet lenders’ standards, ensuring it’s in prime shape and aligns with their criteria.

Moving Home Mortgages in Bramhall

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Moving home in Bramhall involves more than leaving your current residence; it includes selling your property and addressing its mortgage. We understand that moving can be a highly stressful experience, and we are here to alleviate that stress during this busy time.

If transferring your existing mortgage or dealing with associated costs becomes challenging, exploring a suitable mortgage solution for your new property is essential. Leveraging our expertise, we sift through thousands of mortgage options to identify a competitive product tailored to your new home. Our panel encompasses a diverse range of lenders, both from the high street and specialists, enabling us to find the right fit on your behalf.

Buy to let Mortgage Bramhall

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Whether you’re considering a mortgage for a buy-to-let, holiday let, let-to-buy, or HMO property, our team of mortgage advisors in Bramhall is ready to assist. 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 Bramhall, you can conveniently schedule a free mortgage appointment online. Choose a date and time that suits your convenience or reach out to us via phone seven days a week if that’s your preferred mode of communication.

Remortgaging in Bramhall

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As you approach the conclusion of your current fixed mortgage term, it’s crucial to consider the process of remortgaging. Commencing exploration of new mortgage options at least six months before your current deal expires is advisable.

Failing to remortgage before your current fixed term ends could lead to a transition onto your lender’s standard variable rate, resulting in higher monthly repayments. Our role is to simplify this process by thoroughly searching the entire remortgage market. Our dedicated remortgage advisor in Bramhall evaluates thousands of offers to determine the best fit for your needs.

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

Self Employed Mortgages Bramhall

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For those navigating the mortgage process while self-employed in Bramhall, the journey follows a similar path to other scenarios, with a crucial distinction lying in how you evidence your income.

Our committed mortgage advisor in Bramhall specializes in guiding you through the specifics of the documentation required. Similar to other mortgage types, they conduct a thorough affordability assessment and meticulously search for deals tailored to your unique situation.

Mortgage Options for Over 50s in Bramhall

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Delving into later-life mortgage options is a straightforward process with our dedicated team. Booking your free mortgage appointment online is all it takes to connect with our in-house later-life experts, committed to assisting you with your mortgage needs.

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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 Bramhall. As a responsive mortgage broker in Bramhall, 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 Bramhall 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 Bramhall

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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 Bramhall 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 Bramhall, 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 Bramhall

What documents will I need for my application in Bramhall?

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Embarking on your mortgage journey entails providing essential documents to support your application, including ID, bank statements, and payslips. Fear not; our dedicated mortgage broker in Bramhall will guide you through this process, ensuring you’re not navigating it alone.

How long does the process in Bramhall take?

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Your free mortgage consultation, lasting approximately 30 minutes, offers a window for our hardworking mortgage advisor in Bramhall to delve into your personal and financial situation. Post-consultation, we aim to swiftly provide you with an Agreement in Principle within 24 hours, expanding your flexibility in making offers on desired properties. The final stage involves submitting your mortgage application, culminating in a formal mortgage offer typically within three weeks.

 

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

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For self-employed individuals in Bramhall, the journey towards obtaining a mortgage can be simplified by producing at least one year’s accounts. Our experience shows that lenders often calculate the maximum mortgage amount by considering a sum total of salary plus dividends. However, each lender may have unique criteria, with some basing their decision on net profit.

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

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Credit issues in the past may pose challenges, but obtaining a mortgage is not impossible. If you’ve faced credit hurdles, reach out to us. We’re eager to help, drawing on a diverse panel of specialist mortgage lenders. Depending on the situation, solutions may involve larger deposits, typically in the range of 10-15%.

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

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The standard deposit for a mortgage in Bramhall is 5% of the property price. However, lower credit scores may lead to higher deposit requirements, typically in the range of 10-15%. We tailor our approach to your unique circumstances, ensuring flexibility in the mortgage process.

Can I get a second mortgage in Bramhall?

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The good news is that a second mortgage is a viable option for various reasons, such as debt consolidation, home improvements, buy-to-let, or acquiring a second home or holiday home. If you’re considering a second mortgage, connect with our experienced mortgage team in Bramhall today.

How long will my Agreement in Principle in Bramhall last?

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While the duration of an Agreement in Principle (AIP) may vary based on the chosen lender, it generally lasts around 30-90 days. Should your AIP expire, the renewal process is straightforward. Reach out to our efficient and friendly mortgage broker in Bramhall or directly contact your mortgage lender to arrange a renewal.

When should I get my Agreement in Principle in Bramhall?

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Having an Agreement in Principle in place before viewing houses in Bramhall enhances your chances of offer acceptance. This pre-approval signals that you have permission to borrow for a mortgage, potentially placing you ahead of other potential buyers without their own AIP.

How does the mortgage process in Bramhall actually work?

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Initiating your mortgage journey involves completing our Fact Find to provide an overview of your current situation. This information guides our expert mortgage advisor in Bramhall, who will schedule your free mortgage consultation. During this meeting, your advisor delves deeper into your needs, aiming to find a favourable mortgage deal tailored to you.

Post-consultation, a credit check ensures you can obtain an Agreement in Principle (AIP). If all goes well, we’ll request documents to support your application, moving you closer to the final stage – submitting your mortgage application.

How does our free mortgage consultation in Bramhall work?

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During your free mortgage consultation, our dedicated mortgage advisor in Bramhall collects important information about your personal and financial circumstances. This in-depth understanding guides the search for mortgage products that align closely with your needs, aiming to secure a competitive deal that not only saves you money but also matches your requirements.

We Search 1000s of Mortgages in Bramhall

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
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BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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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

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

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