Here at Manchestermoneyman, we take pride in providing all our customers with a personalised and trusted service of Mortgage Advice in Manchester. The process is more than just finding a mortgage, there’s a journey for you to undertake. Our team will hold your hand throughout the entire mortgage process.
We will stay loyal to our customers, not working alongside estate agents, building societies or banks. You’re assigned Mortgage Advisor in Didsbury will always aim to do right by you, putting your best interests first and answering any concerns or questions that you may have regarding the mortgage process.
Speaking with a Mortgage Broker in Didsbury is a great way to kickstart your mortgage process. Our team will be able to assist you with such things as budget ideas and arranging your Mortgage Agreement in Principle, a service of which we can usually start and turnaround within 24 hours of your initial appointment.
Having this on hand will put you in a better position to support any offers you make, as well as possibly putting you ahead of anyone else who may be thinking of applying for the same property that you are interested in.
We have experience in providing Mortgage Advice in Manchester to:
If you have a more complicated or specialist mortgage situation, do not worry – you are in safe hands with us.
Please Get in Touch for a free mortgage consultation.
Over our many years of service as a trusted and experienced Mortgage Broker in Manchester, we’ve spoken to and helped out thousands of different and unique customers. In most cases, we tend to see that the bank has turned many of them away, an act which they never fully explain why.
This can cause understandable distress and confusion, due to not knowing what to fix so that you can proceed with your mortgage journey. There are many reasons it could have happened, be it something like the property value being less than the amount they want to borrow, or the bank simply not having enough free slots to book you in for an appointment.
We work with a vast amount of mortgage lenders on our panel, each one offering a variety of deals. What this means, is that we have potentially thousands of mortgage products for us to choose from. This gives us the best possible chance we can get of securing you the most appropriate deal for your personal circumstances.
We can confidently say as a Mortgage Advisor in Manchester, we will work hard for you to ensure that you’re one step closer to enjoying your new home.
Being well known and having a big reputation as an experienced Mortgage Broker in Manchester, we work hard and efficiently to respond to your queries quickly and accurately. Whilst the desired result may not always be obtainable, we will always strive to provide you with a fantastic service, something that can be read about on our genuine Customer Reviews page.
Our team are very proud of the service we provide. Putting customers needs first is at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our dedicated team are here until late at night, every night, to support you and your mortgage needs. We love being responsive to your mortgage enquiries!
We keep active on Facebook, Twitter & YouTube, sharing any recent news and mortgage tips from our website. If you have a mortgage enquiry, get in touch via any of our social platforms. They are regularly managed and responses are usually given quickly.
When it comes to the remortgage process, you can worry less! At this point, you already own your house. This cuts out the property chain and gets the process done quicker. We will work hard with you to ensure you end up with a much better deal..
We are here to help and support you throughout the whole mortgage process, helping you over any hurdles, 7 Days a Week, until late.
We’ll aim to make you feel relaxed, providing an open and honest service, with the aim to reduce your stress.
Please take a look at our genuine customer reviews. We pride ourselves on providing the best Mortgage Advice service that we can.
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.