Mortgage Advice in Oldham from Advisors with over twenty years of mortgage industry knowledge.
For your FREE mortgage consultation in Oldham call 0161 7133215
About UsFor your FREE mortgage consultation in Oldham call 0161 7133215
Mortgage Advice in Oldham from Advisors with over twenty years of mortgage industry knowledge.
About Us
4.96 Rating391 Reviews
Cameron
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...
1 day ago
Kirsty
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...
1 week ago
Toby
Many Thanks to Jason and Debbie for securing my mortgage. Would definitely recommend!
2 weeks ago
Mark
Daniel has always been very helpful. Always nice to talk to and explains everything so we understood every part of the process.
2 weeks ago
Stephanie
Dan was very polite and informative, sorted our re-mortgage out very quickly :)
1 month ago
Daniel
Manchester MoneyMan are by far the best mortgage brokers i have dealt with and most definitely the most helpful and supportive whenever you need to clarify things, 100% recommended. Chris Thompson and Louise hepworth in particular have helped me...
1 month ago
Elena
Very knowledgeable.
1 month ago
Bev
I have no hesitation in recommending this company. Leo and Lyndsey were a great team and went above and beyond to get me my mortgage offer in super quick time. They were completely professional at all times, keeping me posted of progress and...
1 month ago
Clare
Used money man for the second time! They contacted me as mortgage deal was coming to an end! Dealt with Daniel who made the process very easy! Very professional and easy to talk to! Would definitely use them everytime
1 month ago
Eleanor
Charlie, was very kind and helpful. He made everything feel easy to understand and no query was too big or small. We are very pleased with this service and couldn't imagine not having a broker.
1 month ago
Huong
Helpful, smart and quick ! Conor Longthorn just got me a mortgage offer in less than 10 days! Thank you
1 month ago
Mostafa
It has been a fantastic experience to work with Matt Collinson from day one! Matt is very knowledgeable, will consider all available options, and will produce well-informed advice that considers all surrounding circumstances. Moreover, he is...
1 month ago
Gary
Having tried other brokers I was struggling to find a mortgage but Manchester Moneyman came to the rescue and sorted me an excellent deal
2 months ago
"Natasha
Fantastic service from Moneyman; Jason and Jennifer were knowledgeable, efficient and a pleasure to work with. Highly recommended for first time buyers 🏠🎊
2 months ago
Elizabeth-Sarah
Absolute great service. Ryan & Debbie always kept me updated and responded promptly to any queries. I will definitely use this company again.
3 months ago
Denise
All staff very helpful, respond quickly to any issues,questions you may have, helped me find the right mortgage for me, would highly recommend moneyman to everyone.
4 months ago
Loredana
Leanne was lovely, she called me an answer all my questions, really recommend using the service.
4 months ago
Raja
Ryan Coulson is a brilliant and very knowledgeable mortgage advisor. He listened to my situation attentively and provided answers to all my questions in great detail. I am really happy I got in touch with him and I am sure he will enable me to get...
4 months ago
Jemma
Amazing service from Matt & Stacey from the very start. They’ve both been approachable, knowledgable & helpful throughout. It’s been a long process due to our original purchase falling through but I honestly couldn’t...
6 months ago
James
Brilliant from day one! Jason was super quick to get in touch with us, really easy to talk to and very clear in his explanations etc. As first time buyers we weren't too sure on what to do and how it all works etc. We got the AIP fairly...
6 months ago
- Mortgage Advice
- Why Us?
Open & Honest Mortgage Advice in Oldham
Experienced Mortgage Advisors in Oldham
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.
Why use a Mortgage Broker in Oldham?
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.
Here are some facts about us:
- We only have your best interests at heart!
- We are Authorised and Regulated by the Financial Conduct Authority
- We search 1000’s of Mortgage offers for you
- Experienced in Mortgage Situations and up to date with Lending Criteria
Having problems?
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.
Open & Honest Mortgage Advisors in Oldham
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 search 1000's of mortgage deals across a large number of lenders, including:
About Us
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!
Find Your Mortgage Broker in Oldham on Social Media
We’re also very active on Facebook, Instagram and even YouTube, sharing up-to-date news and mortgage tips from our website on a regular basis. Follow us to find out for yourself! 
Stress-Free Remortgage Advice in Oldham
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!
Common mortgage questions
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 an hour, 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.
Handy quick links
Malcolm's
mortgage guides
