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Mortgage Broker in Bury

& 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 Bury

& 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 Bury

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 you 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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Your Mortgage Options in Bury

All situations considered!

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.

Our Reviews

Your Mortgage Options in Bury

First Time Buyer Mortgages in Bury

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If you are new to the whole home buying process, we think our service will prove highly beneficial. We understand that buying a new home isn’t always a smooth process and it can be difficult to know where to start sometimes!

Our job is to support and guide you through the entire mortgage process, whilst also finding you a mortgage product along the way. We will look at your personal and financial situation in order to help you find a product perfect for you!

Moving Home Mortgages in Bury

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If you are thinking of moving home in Bury, you need to consider your mortgage options for your new home. If it is possible, some mortgage lenders will allow you to port your current mortgage to your new property if that is something that you want to achieve.

If you do not want to port your mortgage to your new property, you will need to find a new mortgage for the property. Our job is to help you find the best deal available to you based on your personal and financial situation.

When moving home in Bury, it is important to not forget the mortgage side of the process! Let us take this stress from your shoulders and take care of the mortgage process so that you can focus on actually moving home!

Buy to let Mortgage Bury

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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 Bury is ready to help you. With more than two decades of experience, we’ve been helping buy to let landlords 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 Bury, like ourselves, you can easily schedule a free mortgage appointment online. Choose a date and time that suits your convenience. Alternatively, you can reach out to us via phone seven days a week if that’s your preferred mode of communication.

Remortgaging in Bury

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Are you a current homeowner looking to remortgage in Bury? Ideally, you should start your mortgage process 6 months prior to your current product ending. Starting your process this early allows you to get a deal ready and in place before your current deal comes to an end.

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.

Self Employed Mortgages Bury

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Self employed mortgage applicants have to follow a slightly different process when it comes to taking out a mortgage.

You will need to submit at least one year’s accounts to move 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.

Mortgage Options for Over 50s in Bury

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If you want to explore your later life lending options in Bury, reach out to our team at Manchestermoneyman. We have a dedicated in-house team that can go through all of your options with you.

We can look at your equity release, lifetime mortgage and retirement mortgage options in Bury. You can book your free later life lending appointment online or by giving us a call.

Our Customers Love Us

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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 Bury.

As a responsive mortgage broker in Bury, 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 Bury 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

We Work For You

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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. Our team will always be at the other end of the phone or email when you need to talk.

Search 1000s of products

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Unlike a Bank, we are able to search 1000s of mortgage deals in order to find you the best one for your individual circumstances.

Our Mortgage Advice service is available mornings, evenings & weekends. We are here at a time that suits you and your family.

Our Service

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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!

Stress-Free Mortgage Advice Bury

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You can worry less when it comes to the mortgage process! We will take all of the stress out of the mortgage process, helping you find a mortgage product that is tailored to your personal and financial situation.

 

Malcolm and Amy Davidson - Mortgage Advice in Manchester

Common Mortgage Questions in Bury

How does the free mortgage consultation work in Manchester?

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Your free initial mortgage consultation in Bury will last roughly 30 minutes. A dedicated mortgage advisor in Bury 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.

How does the process work?

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As a trusted mortgage broker in Bury, 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.

When should I obtain my Agreement in Principle in Bury?

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We recommend you obtain an Agreement in Principle prior to property viewings in Bury, 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 Bury, we are typically able to obtain an agreement in principle within 24 hours.

How long does an Agreement in Principle last?

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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.

Can I get a second mortgage in Bury?

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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.

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

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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.

Can I get a mortgage in Bury with past credit problems?

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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.

What documents will I need to send?

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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.

How long does the process take?

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The free initial mortgage consultation that we offer generally lasts up to around 30 mins. 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.

We Search 1000s of Mortgages in Bury

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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!
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