We help provide expert Mortgage Advice Services in Bury. Our customers will always be in safe hands with us! No matter the circumstances, we are here to save your time, save your money and find the best, most appropriate mortgage deal tailored for you. Get in touch and get your free mortgage consultation in Bury today!
Customer satisfaction is the heart of this company. Why not check out our excellent online customer reviews from people who have come to us for help. We go above and beyond to match their mortgage needs and challenge any hurdles that get in the way.
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We are aware of all the mortgage schemes and products available and will be happy to discuss these in detail with you. Our fantastic team of Mortgage Advisors in Bury will search through thousands of mortgage deals for you and compare them to find the best one for your situation.
Also, this will apply if you have had credit problems in the past, been bankrupt, have a CCJ and/or a poor credit score. It is most likely that we have already dealt with a similar situation. Even if you consider your situation complicated, don’t hesitate to give us a call.
If you are new to the whole home buying process or a bit rusty, we think our service will prove highly beneficial. We understand that buying a new home isn’t always a smooth process. We’ll support you through the whole process to overcome any hurdles that we face along the way.
Are you a current homeowner looking to remortgage? We can search thousands of deals to find the best one for you. Sometimes, our customers like to discuss capital raising options at the remortgage stage, including raising money for home improvements and paying off things like credit cards, overdrafts and loans.
With our company not being tied to a particular estate agent or mortgage lender, we work solely to make your experience more personalised. As an expert Mortgage Broker in Bury, we will search through thousands of deals on your behalf.
A Mortgage Advisor in Bury is available to provide you with help and guidance with anything mortgage-related 7 days a week. Your Mortgage Broker team will always be at the other end of the phone or email when you need to talk.
We are incredibly proud of the level of customer service we provide, it’s at the heart of everything we do for our customers. Whether you’re in contact with a mortgage advisor or an administrator, our brilliant team are available all throughout the week until late, to support you and your mortgage needs. We love being responsive to your enquiries!
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.
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.
We will help and support you throughout the whole process, helping you over any hurdles which may arise. 7 Days a Week.
We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.
Your free initial mortgage consultation in Manchester will last roughly one hour. A dedicated advisor will then recommend a mortgage for you, with no obligation to accept and go forward and proceed with the mortgage in question, if you decide that it is not for you.
As trusted Mortgage Advice professionals in Manchester, we will carry out a Fact Find to establish your personal needs before we go ahead with recommending the most suitable mortgage for your situation. From there you will be credit checked, which is a requirement to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can be issued a formal mortgage offer.
We recommend you obtain an Agreement in Principle prior to property viewings in Manchester, in order to avoid potential disappointment. At the very latest we would suggest that you obtain one before you make any offers, to put you in a better bargaining position. As a dedicated Mortgage Broker in Manchester, we are typically able to obtain an agreement in principle within 24 hours.
Generally speaking, an Agreement in Principle will last for between 30 and 90 days, depending on the lender that is used. If your Agreement in Principle expires before you can make use of it, it can be easily refreshed by speaking to your advisor.
If you’re looking to achieve something like debt consolidation or home improvements, you may be able to place a second mortgage on your home. If you’re looking to use it for yourself, a family member, a holiday home or a Buy to Let, a second mortgage on that property may also be an option.
A high street lender will typically require you to put down at least 5% of the property purchase price for your deposit. If you have had credit problems in the past, this may be higher.
If you have struggled with credit problems in the past, you may still be eligible for a mortgage, though a lender may possibly require you to put down a higher deposit than expected. This can be something like 15% of the property purchase price.
Submitting at least one year’s accounts moves you along the process, allowing for you to potentially obtain a mortgage in Manchester. Most lenders will utilise your salary plus dividend to calculate the maximum mortgage amount you are eligible to borrow, whereas some other lenders will go off your net profit.
In order for an employee to prove their income, it’s usually 3 payslips and the last 2 years’ accounts if you are self-employed. You will also need to provide some proof of ID, address and the last 3 months’ bank statements.
The free initial mortgage consultation that we offer generally lasts up to around an hour. We are then able to turn around an agreement in principle within 24 hours of that appointment. A formal mortgage offer takes, on average, somewhere around three weeks.