Read our 407 Reviews
4.97 Rating407 Reviews
A fantastic company and great staff, Leo is always only a phone call away and keeps me in the loop with everything. He really goes out of his way to get the best offers and talks me through all the processes clearly and kindly. As a first time buyer...
From start to finish the whole process went very smoothly and Chris who I dealt with was very helpful and explained things through really well! I would definitely recommend them to my friends and family
I’m 💯 going to recommend these guys. Chris was extremely lovely to deal with. No stress. They had me prepare all my documents before it was sent over to the vendor, my mortgage offer was accepted in less than a week. Nice one guys
Leo and Lyndsey have been incredibly helpful and informative from the very first conversation with each of them. They are always on hand and readily available whenever needed. UK Moneyman made this process so quick and simple! Huge thank you to both...
Friendly, professional & very easy to deal with. Definitely recommend
As first time buyers this was The first mortgage broker I came across online. I was intending on finding more brokers to see what information I could acquire when buying a home. After the first consultation with Chris, I decided to use UKMoneyMan as...
Charlie has been a massive help with the process! We basically knew next to nothing about buying a house, but Charlie answered all of our questions & helped us out massively!
Had spoken with Wayne after he helped my brother through the house buying and mortgage process a year or two earlier. He couldn't have been more helpful over the year or so it took me to find a property as I fought to find something against rising...
The team have been very helpful and great with communication. Would highly recommend.
Manchestermoneyman have been fantastic throughout my mortgage process, both Malcolm for calmly and professionally walking me through my options at a difficult time, and Paula for being warm and communicative during the process. I would definitely...
Perfect service and cannot fault anything, Chris and Meghan have been top class on my application and have recommended to my family & friends!
Money man was super helpful, always replies and keeps you in the loop of the process. The staff are really nice and genuine not overly business oriented and pushy to go through them for everything.
I was assisted by Chris Thompson and Lyndsey Smith with a buy to let mortgage and residential mortgage. Both Chris and Lyndsey were absolutely brilliant. They researched the market thoroughly to get the best deals, acted swiftly to beat interest...
Highly recommend using Manchester moneyman, we used them to broker our mortgage 2 years ago and they proactively made contact well in advance of the fixed term coming to an end and secured us a new rate that we’re really happy with.
UK Moneyman has been fantastic from day one, always communicating updates on progress. They have made it less stressful.
Very helpful staff, nothings too much to ask, great for first time buyers as they explain everything and ensure you understand everything
We had an amazing experience with UK Moneyman! Our mortgage advisor Matt was very helpful and did a great job advising and finding us the best products. Matt and Lyndsey are a good team, friendly and professional. We highly recommend them to...
Chris and Debbie have been great in helping us find three mortgage deals now after our first 2 attempts at house purchases fell through. Always sympathetic and informative. Talking us through multiple options available to us. Explaining the process...
Many Thanks to Jason and Debbie for securing my mortgage. Would definitely recommend!
Daniel has always been very helpful. Always nice to talk to and explains everything so we understood every part of the process.
Providing Mortgage Advice Services in Oldham. 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 for you.
If you are after First Time Buyer Mortgage Advice in Oldham, Buy to Let Mortgage Advice, Moving Home Mortgages, looking to Remortgage or you are Self Employed and wanting Mortgage Advice, then we may be able to help you out.
Clear and simple Mortgage Advice in Oldham
If your situation is more obscure and complicated, do not worry – you are in safe hands with us.
A free mortgage consultation is available for all of our lovely customers.
Often, we find that clients who contact us have already spoken to their own bank about mortgages. Usually, they have been told that they are unable to borrow enough for the property they like, or simply do not pass the banks strict mortgage criteria.
There are a few hurdles with the high street lender. These 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.
We have an in-depth knowledge of lending criteria from a very large number of mortgage lenders and years of experience – This means we are usually able to help these clients secure mortgage deals.
We work for you and provide guidance and experience throughout your home buying or remortgaging process.
Prior to viewing houses with estate agents, if possible, you should speak to a Mortgage Broker like us. This is so we can give you an idea of your budget and to have a mortgage agreement in principle document ready to support any offers you make.
Please feel free to get in touch with a new mortgage enquiry or to discuss one you are having problems with!
We very much look forward to hearing from you soon!
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!
You can worry less when it comes to the remortgaging! 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. Get in touch for a free mortgage consultation in Manchester today!
During your free mortgage consultation, your dedicated Mortgage Advisor in Oldham will get information from you regarding your personal and financial mortgage situation. They will try to get an in-depth understanding of your mortgage needs so that they can try and find the perfect mortgage product for you.
Once your consultation is complete, your Mortgage Advisor in Oldham will begin searching for mortgage products on your behalf. They will not only try and find the most competitive deal that will save you money, but they will also look at ones that will match your personal and financial situation perfectly.
The first step is for you to fill out our Fact Find so that we can get an idea of your current personal and financial situation. This information will be passed over to your own dedicated Mortgage Advisor in Oldham, who will be in touch to schedule your free mortgage consultation. During this meeting, your advisor will learn a little more about you so that they can pick out a mortgage deal tailored to you.
After your consultation, a credit check will be carried out on you in order for you to obtain an Agreement in Principle (AIP). If everything is okay and you are happy to proceed, we will get some documents from you to back up your application.
With your AIP, submitted evidential documentation and a perfect mortgage offer that you’re happy to continue with, you can move onto the last stage – mortgage application submission!
Having an Agreement in Principle in place prior to viewing houses in Oldham, may boost your chances of your offer being accepted.
Having an AIP in place 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 other buyers who don’t have an AIP in place.
Although it may change on the lender that you use, your Agreement in Principle will likely last around 30-90 days.
If your AIP expires, it’s an easy process to renew it. Get in touch with your Mortgage Broker in Manchester or your mortgage lender to arrange a renewal of your AIP.
Yes! There a many reasons why someone may want 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, contact our mortgage team in Oldham today.
Depending on your credit history and the lender that you are using, the usual deposit required for a mortgage is 5% of the property price.
If you fall into the lower credit score bracket, you may expect to see 10-15% deposit requirements.
It may be harder for you to obtain a mortgage with past credit problems, however, it’s definitely not impossible. You may be required to put down a larger deposit, perhaps 10-15%; this will vary depending on your lender though.
If you are suffering from bad credit issues, contact us and we will be more than happy to try and help. We have a wide variety of specialist mortgage lenders who may have the perfect mortgage deal for your financial situation.
If you can manage to produce at least one year’s accounts, you may be on your way to obtaining your mortgage as a self employed worker.
We find that most lenders will use your salary + dividend to work out the maximum mortgage amount that you can borrow, whereas others can go off your net profit.
During the mortgage process you will be asked to provide some evidential documents to back up your mortgage application. For example, you’ll need things like ID, bank statements, payslips.
Your Mortgage Broker in Oldham will run through all of this with you so that you don’t have to do it all by yourself.
Your free mortgage consultation will roughly last around 30 mins, during which we will get a better insight to your personal and financial situation. After your consultation is complete, we will try and turn around an Agreement in Principle within 24-hours, opening you up to the option of making an offer on a property.
The final step is to submit your mortgage application and wait for a formal mortgage offer. Usually, this will take around three weeks.