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Mortgage Broker in Oldham

& 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 Oldham

& 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 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.

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.

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Your Mortgage Options in Oldham

Solutions for complicated mortgages in Oldham

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 in Oldham like us, who may be able to help.

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Your Mortgage Options in Oldham

First Time Buyer Mortgages in Oldham

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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 Oldham

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If you are thinking of moving home in Oldham, 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 Oldham, 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 Oldham

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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 Oldham 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 Oldham, 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 Oldham

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Are you a current homeowner looking to remortgage in Oldham? 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 Oldham

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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 Oldham. 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 Oldham

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If you want to explore your later life lending options in Oldham, 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 Oldham. You can book your free later life lending appointment online or by giving us a call.

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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 Oldham.

As a responsive mortgage broker in Oldham, 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 Oldham 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

Our Service

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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 available throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

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.

We Work For You

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We work for you and provide guidance and experience throughout your home buying or remortgaging process.

Please feel free to get in touch with a new mortgage enquiry or to discuss one you are having problems with!

Stress-Free Mortgage Advice Oldham

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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 Oldham

How does our free mortgage consultation in Oldham work?

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During your free mortgage consultation, your dedicated Mortgage Advisor in Manchester 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.

How does the mortgage process in Oldham actually work?

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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!

When should I get my Agreement in Principle in Oldham?

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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.

How long will my Agreement in Principle in Oldham last?

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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.

Can I get a second mortgage in Oldham?

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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.

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

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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.

Can I get a mortgage with past credit issues in Oldham?

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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.

I’m Self Employed in Oldham, can I get a mortgage?

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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.

What documents will I need to provide for my mortgage application?

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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.

How long does the process in Oldham take?

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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, ontop of providing mortgage advice in Manchester, 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.

We Search 1000s of Mortgages in Oldham

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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

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!
7 Days a Week, 8am – 10pm

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