It's Free to Speak to an Advisor, 7 days, 8am - 10pm

Manchestermoneyman Mortgage Broker UK - M Shape

Mortgage Broker in Salford

& 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!
Malcolm Davidson - Managing Director of Manchestermoneyman

Mortgage Broker in Salford

& 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 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.

Speak to an Advisor - It's Free!
Your Mortgage Options in Salford

All of our Customers Receive a Free Mortgage Appointment!

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.

Our Reviews

Your Mortgage Options in Salford

First Time Buyer Mortgages in Salford

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Embarking on the journey of buying your first home can be a unique and unfamiliar experience, especially when it comes to the mortgage aspect. When you’re ready to kickstart your journey as a first time buyer in Salford, the initial step is to determine how much you can borrow and assess your overall affordability. As your trusted mortgage broker in Salford, this is a service we provide during your complimentary mortgage appointment.

A significant part of this process involves preparing your mortgage application and ensuring it reflects your affordability, supported by all the necessary documents. Your mortgage broker in Salford will guide you through this crucial step, helping you complete and fine-tune your application to meet the standards set by lenders. This ensures your application is in prime shape and aligns with what lenders are seeking.

Moving Home Mortgages in Salford

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Moving home in Salford isn’t as simple as leaving your current residence; it involves selling your current property and addressing its mortgage before anything else. Moving can be a highly stressful experience, and we’re here to alleviate that stress during this busy time.

If you find it challenging to transfer your existing mortgage or the associated costs become burdensome, you’ll need to explore a suitable mortgage solution for your new property. Our expertise allows us to sift through thousands of mortgage options to identify a competitive product tailored to your new home. Our panel includes access to a diverse range of lenders, both from the high street and specialists, giving us the tools to find the right fit on your behalf.

Buy to let Mortgage Salford

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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 Salford is ready to help you. With more than two decades of experience, we’ve been helping buy to let landlords in Manchester 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 Salford, 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 Salford

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As you approach the conclusion of your current fixed mortgage term, it’s important to consider the process of remortgaging. Remortgaging involves switching to a new mortgage product to replace your existing one. It’s advisable to start exploring new mortgage options at least 6 months before your current deal expires.

Failing to remortgage before your current fixed term ends could lead to a transition onto your lender’s standard variable rate, typically resulting in higher monthly repayments. We’re here to simplify this process by thoroughly searching the entire remortgage market to identify the most suitable product for your needs. Our dedicated remortgage advisor in Salford will carefully evaluate thousands of offers to determine the best fit for you.

Did you know that there are additional remortgage options available to you? These options include remortgaging to finance home improvements, release equity, or consolidate debt. If you’d like to explore these possibilities or if remortgaging aligns with your goals, please don’t hesitate to reach out or book a free remortgage review online.

Self Employed Mortgages Salford

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If you’re self-employed in Salford, the mortgage process follows a similar path to other scenarios, with one crucial distinction – the way in which you would evidence your income.

Our dedicated mortgage advisor in Salford will help you in navigating the specific documents required. Like other mortgage types, they will carry out a comprehensive affordability assessment and diligently search for deals tailored to your unique situation.

Mortgage Options for Over 50s in Salford

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If you’re interested in discussing your later-life mortgage options with a member of our dedicated team, booking your free mortgage appointment online is all it takes. We have an in-house later-life team committed to helping  you with your mortgage needs.

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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 Salford. As a responsive mortgage broker in Salford, 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 Salford 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

Free Appointment in Salford

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As a responsive mortgage broker in Manchester, we operate seven days a week. The brilliant reviews we have generated portray the experience we deliver to our customers. Each review shows us how much our service has benefited someone in finding the perfect mortgage product. Take a look at our reviews page for an insight into how we have helped our customers.

Search 1000s of products

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During any mortgage journey, our friendly mortgage advisors in Manchester we have access to 1000s of mortgage products on our vast panel of lenders. We can search through both high street and specialist products in order to find one with the most suitability to your personal and financial situation.

Our Service

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Providing open and honest mortgage advice in Manchester you can get mortgage advice in Salford by simply looking at our mortgage guides on our website. Alternatively, if you want to ask a question to one of our mortgage advisors in Salford, simply follow our “Get Started” process and get in touch!

7 Days a Week

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Even if you are facing a complex situation, we still recommend reaching out to a mortgage broker in Manchester. We have helped applicants through complicated, difficult situations before, in some cases, where the applicant thought that it was impossible to get a mortgage. That’s why we encourage all applicants to still get in touch; you never know, we might have solved the same issue in the past!

Malcolm and Amy Davidson - Mortgage Advice in Manchester

Common Mortgage Questions in Salford

What documents will I need for my application in Salford?

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During your mortgage journey, you will be asked to provide some documents to backup your mortgage application. This will include things like ID, bank statements and payslips.

Your dedicated mortgage broker in Salford will run through this with you so that you are not doing it all by yourself.

How long does the process in Salford take?

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Your free mortgage consultation will be approximately around 30 mins, during which a hard working mortgage advisor in Salford  will be able to gain a better insight into your personal and financial situation.

After your consultation is complete, we will try and turn around an Agreement in Principle within 24-hours, giving you more scope for making offers on any properties you are interested in.

The last step of the process is to submit your mortgage application and wait for a formal mortgage offer. Typically, this will take around three weeks.

I'm Self-Employed in Salford, can I get a mortgage?

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If you are able to produce at least one year’s accounts, you may be on your way to obtaining your mortgage as a self-employed applicant.

We find that the vast majority of lenders will use a sum total of salary plus dividend to work out the maximum mortgage amount that you can borrow, whereas other lenders may base their decision off your net profit.

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

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If you happen to have had credit issues in the past, it may be harder for you to obtain a mortgage, though thankfully for everyone involved, it’s not entirely impossible. You may be required to take extra steps or hurdles, such as being required to put down a larger deposit, perhaps 10-15%. Things like this will vary, depending on the lender.

If you are suffering from bad credit issues, contact us and we will be more than happy to try and provide assistance in any way we can. We have a wide variety of specialist mortgage lenders on panel, one of whom may very well have the best possible mortgage deal that is available for your personal financial situation.

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

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Depending on your credit history, as well as the lender that you are using, the standard deposit required for a mortgage in Salford is 5% of the property price.

If you fall into the lower credit score bracket, you can typically expect to see 10-15% deposit requirements.

Can I get a second mortgage in Salford?

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The good news is that yes, this may in fact be possible! There a many reasons why someone would choose to go with 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, feel free to get in touch with our mortgage team in Salford today.

How long will my Agreement in Principle in Salford last?

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Although it may change based on the lender that you go with, your agreement in principle will generally last around 30-90 days.

If your AIP does happen to expire, it’s an easy process to have it renewed. Get in touch with an efficient and friendly mortgage broker in Salford today, or alternatively your mortgage lender, to arrange a renewal of your AIP.

When should I get my Agreement in Principle in Salford?

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Having an agreement in principle in place prior to viewing houses in Salford , may increase your chances of having an offer accepted.

Your AIP 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 any other potential buyers who don’t have their own AIP in place.

How does the mortgage process in Salford actually work?

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The first step in your process is for you to fill out our Fact Find, so that we can get an idea of the situation that you’re currently in. This information will be passed over to your an expert mortgage advisor in Salford, who will then familiarise themself with your situation and be in touch to schedule your free mortgage consultation. During this meeting, your advisor will learn more about you, in order to find a favourable mortgage deal tailored to you.

After your initial consultation, a credit check will be carried out on you, so that you may obtain an agreement in principle (AIP). If everything comes back fine and you are happy to proceed, we will ask for you to provide some documents to backup your application.

With your agreement in principle, submitted evidential documentation and hopefully (if all goes well) a great mortgage offer that you’re happy to continue with, you can finally move onto the last stage – mortgage application submission!

How does our free mortgage consultation in Salford work?

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During your free mortgage consultation, your dedicated mortgage advisor in Salford will collect some initial information from you about your personal and financial mortgage circumstances. They will look to get an in-depth understanding of your needs, in order to find the best course of action heading towards your home buying or remortgage journey.

Once your primary consultation is complete, your dedicated mortgage advice specialist in Salford will begin to search for mortgage products on your behalf. They will work hard to try and find a competitive deal that will save you money, also looking to match it as close to your needs as they possibly can.

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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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