Mortgage Broker In Wigan
Get your free consultation 7 days a week
Providing Mortgage Advice Services in Wigan
Experienced Mortgage Advisors in Wigan
Providing Mortgage Advice Services in Wigan. 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.
Why use a Mortgage Broker in Wigan?
If you are after First Time Buyer Mortgage Advice in Wigan, 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.
Clear and simple Mortgage Advice in Manchester
We are able to help with:
- First-Time Buyers
- Remortgages
- Buy-to-Let Mortgages
- Mortgages for the Self-Employed
- The Help-to-Buy Scheme
- The Right-to-Buy Scheme
- Home Movers
- More Complex Situations
If your situation is more obscure and complicated, do not worry – you are in safe hands with us.
A free mortgage consultation is available for all of our lovely customers.
Here are some facts about us:
- We’re free from Estate Agents, so we have only your interests at heart
- We 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?
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 like us who may be able to help.
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 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.
Please feel free to get in touch with a new mortgage enquiry or to discuss one you are having problems with!
We very much look forward to hearing from you soon!
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. We love being responsive to your enquiries!
Find Your Mortgage Broker in Wigan 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 Wigan
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 are here at a time that suits you and your family
Mortgage Advice
Unlike a Bank, we are able to search 1000s of mortgage deals in order to find you the best one for your individual circumstances
Common Mortgage Questions
You will need to have at least 5% of the sale price of your new build property in Manchester. The Government will then loan you up to 20% to the properties value.
The discount provided by the council will often be used by lenders as your deposit. Some lenders however, will require you to put down a deposit in addition to the discount. This is sometimes the case if you’ve been struggling with credit problems. Our Mortgage advisors in Manchester are able to answer your right to buy deposit questions.
Though it can vary between 20%-40%, the minimum deposit for a buy to let mortgage is usually 25% of the property value.
Your chances of saving money go up if you are on your lenders SVR (Standard Variable Rate of Interest). We will compare the new products available against your current mortgage deal, in order to work out these savings for you. If you have equity in your property, a remortgage would also allow you to release some of this money if required. Usually, this is used for things like home improvements.
You can remortgage and increase the size of your mortgage to pay off any unsecured debts you may have. Please do not rush into this though as there are some downsides. We recommend that customers always seek Mortgage Advice in Manchester before consolidating debts!
Your initial free remortgage consultation in Manchester will last around 1 hour. We will then compare a new deal vs your current product and recommend the most appropriate one, with no obligation to you. You can then decide whether you wish to go ahead with the mortgage, or take a step back.
The fees will be similar to the ones involved when you started your current mortgage. However, your dedicated Mortgage Advisor in Manchester will run through all of the fees with you. Taking these into consideration when comparing the savings of the new deal vs your current mortgage.
Your free mortgage consultation in Manchester will last round about one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.
As your mortgage broker in Manchester, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Manchester. At the very latest you should obtain one prior to making an offer to assist your bargaining position.
An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.
It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.
The minimum deposit when purchasing a house in Manchester with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.
If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.
Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.
It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, address and 3 months’ bank statements.
Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.
