It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
& 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!
& 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
Read our 457 Reviews
Read our120+
Google Reviews
I’d like to…
We are a mortgage broker in Stretford and our job is to guide you through the whole mortgage process to ensure that you get through it stress free and smoothly.
We will also try to save you time and money in places that you didn’t think that you could. We have been working in the mortgage industry for over 20 years now, we know exactly where to look for competitive mortgage deals!
A mortgage broker in Stretford like us specialises in all sorts of different mortgage situations, we only have your best interests at heart! We are Authorised and regulated by the Financial Conduct Authority and we search 1000’s of mortgage offers for you, using our experience and knowledge to find you the best mortgage deals.
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 Stretford, who may be able to help.
Prior to viewing houses with estate agents, if possible, you should speak to a mortgage broker in Stretford 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.
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!
If you are thinking of moving home in Stretford, 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 Stretford, 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!
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 Stretford 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 Stretford, 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.
Are you a current homeowner looking to remortgage in Stretford? 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 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 Stretford. 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.
If you want to explore your later life lending options in Stretford, 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 Stretford. You can book your free later life lending appointment online or by giving us a call.
Our Customers Love Us
4.96 Rating457 Reviews
Gary
This team is fantastic! They handle everything, making the whole process incredibly easy and hassle-free. I highly recommend them!
14 hours ago
Michelle
I would high recommend this service they were amazing, and very professional. They were helpful throughout the whole process.
2 days ago
Michelle
Amazing service, extremely helpful and professional. Would highly recommend. Very happy with the service
1 week ago
Mrs Vanessa
Brillant. Helped us with non-standard employment conditions and were very efficient at getting everything sorted. Also very easy to get hold of. We always use a paid broker, their fee is very reasonable for the efficiency and personal service you...
1 week ago
Matthew
Can not speak highly enough of the people I have spoken to and the service I have received from the team. Charlie and Debbie are a credit. None patronising, easy to speak to, welcoming and very helpful. Will continue to recommend to friends.
2 weeks ago
Ruth
Excellent experience with Matt and Stacey from UK moneyman. As first time buyers they made this experience easy and stress free. I'd really recommend using UK moneyman! 10/10!
2 weeks ago
Christopher
Brilliant service. Knowledgeable & very professional.
3 weeks ago
Mrs Claire
Very helpful got us a mortgage a lot sooner than we expected. Very happy
1 month ago
john
Louise was absolutely outstanding !!! We had a few issues with the property we were purchasing and Louise was so helpful in getting us the answers we required from the lender within a timely manner. I spoke with Louise regularly and she was...
1 month ago
Jiri
Leo from Manchester Moneyman was very helpful and efficient in securing us a mortgage on much better terms than our bank could offer. Thank you!
3 months ago
Olusola
The process has been stress free from the start to the end. The team has been helpful. I will definitely recommend Manchester Moneyman to people.
3 months ago
John
We've used UK Moneyman for two house purchases and remortgaging our current home. The team are unfailingly professional and lovely to work with. I'd recommend them to anyone in need of an excellent mortgage broker.
4 months ago
Alanya-Lee
As first time buyers, we needed all the support and guidance we could get. Tom was fabulous, honest and genuinely had our best interest at heart. He answered all of my silly questions and was always a phone call away.
4 months ago
Chiara
Worked with Malcolm and Debbie! Couldn’t recommend them enough. Thankyou for all your help!
4 months ago
Marco
Leo went above and beyond to provide all the information and assistance I needed to secure my dream property. Very friendly and professional. Highly recommended!
5 months ago
Stephanie
Originally took mortgage out 5 years ago and have just re-mortgaged with them. As this was a product transfer and I was a returning customer this was a no charge for this service. Can’t ask for better than that. All paperwork done by them and I...
5 months ago
Chris
Amazing service from start to finish!
5 months ago
Paul
Malcolm was very helpful and efficient.. definitely would recommend their services.
6 months ago
Amy
The whole team was super friendly and helpful, spent a lot of time navigating my challenging circumstances, and got me a better rate than I ever expected.
6 months ago
Alan
The team are extremely efficient and professional and always willing to help. Especially Paula. I’d have no hesitation to recommend them to my friends and family.
6 months ago
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 Stretford.
As a responsive mortgage broker in Stretford, we work 7 days a week to ensure that you can contact us at a time that best suits you.
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 Stretford 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.
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.
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!
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!
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 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!
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.
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 Stretford 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 Stretford, 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 Stretford, 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 Stretford 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 Stretford 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 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.
Read our 457 Reviews
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
Contact
Follow Us
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
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm
