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Mortgage Broker in Rochdale

& 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 Rochdale

& 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 Rochdale

If you are in need of Mortgage Advice in Rochdale, you’ve come to the right place. We have been working as a Mortgage Broker in Rochdale for over 20 years which has allowed us to build up a large amount of in-depth knowledge of the industry. We have faced almost every single mortgage situation; even if you think that your circumstances are complicated, don’t worry, we’ve probably dealt with the exact same thing before.

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Your Mortgage Options in Rochdale

Solutions for complicated mortgages in Rochdale

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 Rochdale like us, who may be able to help.

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Your Mortgage Options in Rochdale

First Time Buyer Mortgages in Rochdale

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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 Rochdale

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

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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 Rochdale 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 Rochdale, 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 Rochdale

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

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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 Rochdale. 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 Rochdale

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If you want to explore your later life lending options in Rochdale, 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 Rochdale. 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

Get in touch with your Mortgage Broker in Rochdale so that we can get a few bits of information from you. We will then arrange a free mortgage consultation between you and your Mortgage Advisor in Manchester.

Free Mortgage Apppointment

Step 2

You will have your free mortgage consultation where you’ll get a chance to talk with your dedicated Mortgage Advisor in Manchester. After the consultation, we can get an Agreement in Principle arranged for you and start searching through 1000s of mortgage deals to find one perfect for your individual situation.

Finding a Suitable Product

Step 3

Now it’s time to begin property hunting whilst we find you a mortgage deal! If we find a deal for you and you are happy to proceed with it, it’s now time to get your mortgage application ready.

Submit Your Application

Step 4

We will submit your mortgage application for you along with your evidential documents to back it up. Once submitted, our friendly team will keep you informed if anything changes. A formal mortgage offer can take around 3 weeks on average.

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 Rochdale

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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 Rochdale

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

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You’ll mostly find that a minimum of a 5% deposit is required. Despite most High Street Lenders requiring this percentage, you’ll find that some lenders may ask for more, especially if you’ve had credit issues in the past

How does our free mortgage consultation in Rochdale work?

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During your free mortgage consultation with your dedicated Mortgage Advisor in Rochdale, you will get asked some questions about your current mortgage situation and needs. Once received expert mortgage advice in Manchester, your Advisor knows more about your situation, they can start searching through mortgage products for you, trying to find one that matches your personal and financial situation.

When should I obtain my Agreement in Principle in Rochdale?

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We always recommend that you obtain your Agreement in Principle (AIP) as soon as possible. It’s important to have one in place prior to viewing properties.

For a fast AIP turn around, get in touch with your Mortgage Broker in Manchester. We can usually have one in place within 24-hours of your enquiry.

How long will my Agreement in Principle in Rochdale last?

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An Agreement in Principle (AIP) usually lasts between 30-90 days. This can change depending on the lender that you’ve used.

If your AIP expires, you can easily renew it by getting back in touch with your Mortgage Advisors in Manchester.

Can I get a mortgage in Rochdale with bad credit?

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Yes, it can be possible to get a mortgage with bad credit in Rochdale. However, the amount of mortgage products that will be available to you may lower.

Your lender may also require you to put down a higher deposit than the usual 5%. You may even have to provide a 10%-15% deposit.

We Search 1000s of Mortgages in Rochdale

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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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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