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

Landing Page Single M

Mortgage Broker in Wigan

& 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!

Mortgage Broker in Wigan

& 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 Wigan

Welcome to Manchestermoneyman, your online hub for open and honest Mortgage Advice in Manchester & Wigan. Throughout the process, we aim to make your mortgage process as stress-free and simple as possible. Going the extra mile, we’ll be on hand 7 days a week, from start to finish to answer any question you have.

Whether you are a first time buyer, home mover, a new / experienced landlord looking to invest in a buy to let/let to buy property, or looking to remortgage. We want to help you start your mortgage process!

Speak to an Advisor - It's Free!
Video BG One Video BG Two
Your Mortgage Options in Wigan

Solutions for complicated mortgages in Wigan

Our team of expert Mortgage Advisors in Wigan has the experience and knowledge of all mortgage types and circumstances. Our team can access many high streets lenders on panel and search thousands of mortgage products to recommend the most suitable deal that matches your financial situation.

We have been working in the industry for over 20 years, and this experience and knowledge can lead us to find you the most suitable deal!

Our Reviews

Your Mortgage Options in Wigan

First Time Buyer Mortgages in Wigan

Accorion Arrow

Your Mortgage Advisor in Wigan will ask you a series of questions and request some documentation off you to evidence you’re ingoings and outgoings. This will help our team build a more financial picture of your situation which will help them determine the maximum amount you can borrow in Wigan. They will also review your credit rating, credit report and other documentation to make sure you are eligible for a mortgage.

At the beginning of your home buying journey in Wigan, we aim to turn around an agreement in principle within 24 hours of your free mortgage appointment. Having an agreement in principle can help you make offers on a property.

Moving Home Mortgages in Wigan

Accorion Arrow

Whether you fancy relocating somewhere larger or moving to a different location, you will have to consider moving home. It can be very frustrating to have to sell and buy a house at the same time. Secondly, you will need to deal with the mortgage aspects; do you try to port your current mortgage or simply take out a new one

Here at Manchestermoneyman, we can help you make ‘the most suitable decision, based on your financial and personal circumstances. We always want the best for you and will always be transparent with you in the entire process.

Buy to let Mortgage Wigan

Accorion Arrow

Whether you are a new or existing landlord you will also benefit the help from a member of our team. Because of our transparent service, we have built strong relationships with landlords so that mortgage applicants are allowed.

We tend to find that you need a 20-40% deposit, depending on your existing portfolio and credit score, to obtain a buy to let the mortgage. Here at Manchestermoneyman, we can assess credit and affordability during your free mortgage appointment.

 

Remortgaging in Wigan

Accorion Arrow

If you are approaching the end of your fixed term mortgage, you will need to start thinking about your remortgaging options for your property. Otherwise, you will be on your lender’s standard variable interest rate. If we find a more appropriate remortgage deal, you could potentially save loads further down the line.

There are also other reasons why home owners may want to remortgage, which includes funding home improvements, releasing equity, and debt consolidation.

Self Employed Mortgages Wigan

Accorion Arrow

The mortgage process is similar to self employed applicants in Wigan. The only difference is the documentation you need to prove to show that you can afford a mortgage while you’re self employed.

Mortgage Options for Over 50s in Wigan

Accorion Arrow

If you want to explore your later life lending options in Wigan, 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 Wigan. You can book your free later life lending appointment online or by giving us a call.

Our Customers Love Us

Reviews Stars4.96 Rating443 Reviews

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 Wigan.

As a responsive mortgage broker in Wigan, 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 Wigan 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

Our Service

Accorion Arrow

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.

Purchase and 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.

 

Search 1000s of products

Accorion Arrow

Unlike a Bank, we are able to search 1000s of mortgage deals in order to find you the best one for your individual circumstances.

We look forward to hearing from you and helping you start your mortgage process. Our Mortgage Advisors in Wigan are available 7 days a week, so you can get in touch around a time that suits you best. Get in touch with a member of the team today and see the benefits of using a Mortgage Broker in Manchester & Wigan. You have the choice to give us a call or book a free mortgage appointment online

 

We Work For You

Accorion Arrow

Check out our fantastic customer reviews and see if someone has experienced a situation similar to you in the past. We are very proud of our reviews and like to share them across all social media platofrms, so that people can see how we have helped other home buyers and home movers through their mortgage journey.

Having been in the industry for more than 20 years, we have gained extensive experience in all kinds of mortgage scenarios. When faced with a new scenario, we will always do our best to overcome this hurdle, no matter the difficulty.

Stress-Free Mortgage Advice Wigan

Accorion Arrow

Book a free mortgage appointment has never been easier! You can receive Mortgage Advice in Manchester & Wigan around a date and time at which suits you, all you need to do is answer a couple of questions. There are slots available 7 days a week (subject to availability). From there, you will be met with an expert Mortgage Advisor in Manchester & Wigan that specialises in your circumstances.

They will know how best to handle your situation and recommend the most suitable solution, even if your case is slightly complex. Looking at Mortgage Advice in Wigan could save you money and help you better understand the entire process.

 

Malcolm and Amy Davidson - Mortgage Advice in Manchester

Common Mortgage Questions in Wigan

How does our free mortgage consultation in Wigan work?

Accorion Arrow

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 Wigan 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.

How does the mortgage process in Wigan actually work?

Accorion Arrow

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 Wigan, 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!

When should I get my Agreement in Principle in Wigan?

Accorion Arrow

Having an Agreement in Principle in place prior to viewing houses in Wigan, 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.

How long will my Agreement in Principle in Wigan last?

Accorion Arrow

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.

Can I get a second mortgage in Wigan?

Accorion Arrow

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 mortgage advice in Manchester, contact us today.

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

Accorion Arrow

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.

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

Accorion Arrow

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.

I’m Self Employed in Wigan, can I get a mortgage?

Accorion Arrow

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.

What documents will I need to provide for my mortgage application?

Accorion Arrow

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 Wigan will run through all of this with you so that you don’t have to do it all by yourself.

How long does the process in Wigan take?

Accorion Arrow

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, 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.

We Search 1000s of Mortgages in Wigan

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
Precise Logo
HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
Kensington Logo
Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

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

Equity Release Council Logo Solla Later Life Logo
Facebook Image X Image Instagram Image YouTube Image LinkedIn Image SpotifyImage TikTok Image

Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm

Speak to an Advisor - It's Free Enquire Online 0161 7133 215
We use cookies to enhance your customer experience. More detailsGot It