Mortgage Broker in Wigan
Fast & Friendly Mortgage Advice in Wigan
Providing Mortgage Advice Services in Wigan
Experienced Mortgage Advisors in Wigan
Hello, and welcome to our Mortgage Broker in Wigan’s website. Our job is to provide you with full support and guidance throughout the whole of the mortgage process. We have been working within the mortgage industry for over two decades now; our chances of being faced with a situation that we haven’t come across before is very slim. No matter your circumstances, we will always try and secure you a great mortgage deal that is tailored to you.
Following your free mortgage consultation, we will evaluate your situation and then pair you with an experienced Mortgage Advisor in Wigan. They will then search through thousands of mortgage deals on your behalf in order to find the perfect one for you.
Why use a Mortgage Broker in Wigan?
We specialise in all different kinds of areas, so matching a mortgage deal to your circumstances shouldn’t be a problem. Do any of these mortgage scenarios match yours?
- 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
If your situation is not listed above, don’t worry, we have dealt with a wide variety of specialist situations in the past and we are sure that we will be able to help.
7 days a week
Our mortgage advice service in Wigan is available at a time that best suits you. If you need out of hours Mortgage Advice in Wigan, you should know that we operate 7 Days a Week. Our Mortgage Advisors in Wigan work around you and your daily schedule.
We want you to come out of the mortgage process with a smile on your face after you’ve received amazing customer service. We are extremely proud of how our service and how so many people leave us brilliant reviews describing their overall experience with our team. Check out our spectacular reviews from customers in Wigan.
Getting Mortgage Advice in Wigan
If you have been turned away from your bank or been declined an offer elsewhere, it may be time to get Mortgage Advice in Wigan. It’s possible that this is your First Time Buyer mortgage journey and you need a little nudge in the right direction, if so, don’t hesitate to get in touch.
Even if this isn’t your first time around and you have been through the mortgage process before, if you are dealing with a complex issue, we would still strongly advise that you speak to an expert for a helping hand.
The whole of the moneyman team can’t wait to hear from you!
We search 1000s of mortgage deals across a large number of lenders, including:
About Us
We are very proud of our high level of customer service. We take care of all of our customers to ensure that they have the best mortgage experienced possible. Our dedicated team of Mortgage Advisors in Wigan always aim to go above and beyond for you in order to make you feel at comfortable and secure throughout the whole process.
Find Your Mortgage Broker in Wigan on Social Media
Our Mortgage Broker in Wigan is very active on Facebook and Twitter. We are frequently sharing mortgage news and tips across social media so that you are up to date with the latest market changes. It's worth taking a looking at our mortgage guides on our website too as they include free advice for every mortgage scenario.
Stress-Free Remortgage Advice in Wigan
Remortgaging can be tricky, especially if you don't know how to start the process and find competitive deals! Our team of Remortgage Advisors in Wigan will do everything that they can to secure you a great remortgage deal. We'd love to help you through the remortgage process to take all of the stress off your back.
Help & Support
We're here to provide our help and support through the mortgage process. Call us 7 days a week.
Open & Honest
Our job is to provide you with open and honest Mortgage Advice in Cardiff. Get in touch for a free consultation.
Read Our Reviews
Please read our outstanding customer reviews. We want every customer to have an amazing experience with us!
Open 7 Days
We work to a time that best suits you! Fancy a talk on a weekend? No problem!
1000's of deals
We are able to access 1000's of mortgage deals through our huge panel of mortgage lenders
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.
