Open & Honest Mortgage Advice in Salford
Welcome to our website, we are a Mortgage Broker in Salford, providing Mortgage Advice in Salford and surrounding areas. Over our 20 years of working within the mortgage industry, we have come across almost every single mortgage scenario. From complicated situations to fast and simple applications, nothing is too big or too small to help you with. We will always have your best interests at heart, we want to help you find an amazing mortgage deal that saves you money and is tailored to your individual circumstances.
As a trusted Mortgage Broker in Salford, we have over 30 lenders on panel that we can access to try and find you a competitive mortgage deal. Every single lender will have their own unique lending criteria, all we need to do is find one that is best suited to your situation. Once we have your details, trying finding you a lender shouldn’t last long, before you know it we will have you matched with a lender with a deal in sight.
Why choose us as your Mortgage Broker in Salford?
Using a Mortgage Broker in Salford will allow you to access 1000’s of new mortgage deals that were previously inaccessible. After your free mortgage consultation, your Mortgage Advisor in Salford will guide you through the whole mortgage process, making sure that you feel comfortable and know what’s going on at all times. We want you to feel like you’re in safe hands with us and we’re sure that you will if you take a look at our outstanding customer reviews.
Our aim is to try and save you time and money, which could be hard to do on your own, especially if you’ve never dealt with anything like this before. Sometimes, the mortgage process can prove challenging and stressful and that’s exactly why we want to offer a helping hand. A second opinion costs nothing, especially when we offer a free mortgage consultation, so feel free to get in touch with your local Mortgage Advisors in Salford.
All Mortgage Situations Considered
We specialise in all different types of mortgage situations, here are some of the most common scenarios that we come across:
- First Time Buyers
- Remortgages
- Buy to Let Mortgages
- Mortgages for the Self Employed
- Help to Buy in Manchester
- The Right to Buy Scheme
- Home Movers
- More Complex Situations
A free mortgage consultation is available for all of our 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?
We find that a lot of our customers have already spoken to their bank prior to approaching us. They may have been declined or may have been looking for advice before coming to a Mortgage Broker in Salford like us. If an applicant is declined from their bank it’s usually because they are unable to borrow enough for the property they like, or simply do not meet the banks strict lending criteria. We will take this into account when dealing with your application and make sure that we approach lenders with criteria that you will match the first time around.
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 in any of these situations and are struggling to find a way around them, it may be time to get Specialist Mortgage Advice in Salford from a mortgage expert like ourselves. At the end of the day, we just want to help you get the keys to your new dream home.
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 in Salford 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.
We search 1000s 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.
Find Your Mortgage Broker in Salford on Social Media
We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.
Stress-Free Remortgage Advice in Salford
You can worry less when it comes to the remortgage process! 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.
Help & Support
We will help and support you throughout the whole process, helping you over any hurdles which may arise. 7 Days a Week.
Open & Honest
We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
Read Our Reviews
Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.
Open 7 Days
Our Mortgage Advice service is available mornings, evenings & weekends. We work 7 days a week to ensure that there's always a time that best-suits you and your family.
Mortgage Advice
Unlike a Bank, we are able to search through our panel of 30+ lenders and access 1000s of mortgage deals in order to find you the best one for your personal and financial circumstances.
Common mortgage questions
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.
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