Mortgage Broker in Wigan

Fast & Friendly Mortgage Advice in Wigan

Reviews io White Logo

Read our 375 Reviews

Reviews IO Stars

First Time Buyer

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Malcoms Image

We have been helping customers through their mortgage journey for over 20 years, and we would love to try and help you next!

Book your FREE mortgage consultation in Wigan online, or call 0161 7133215

Enquire Online

Book your FREE mortgage consultation in Wigan online, or call 0161 7133215

Malcoms Image

We have been helping customers through their mortgage journey for over 20 years, and we would love to try and help you next!

Enquire Online

Mortgage advice
your way

First Time Buyer

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars4.96 Rating375 Reviews

Mortgage Broker in Wigan | 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!

 

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!

 

Mortgage Options in Wigan

First Time Buyer in Wigan

Your Mortgage Advisor in Manchester & 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.

Remortgage in Wigan

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.

Moving Home in Wigan

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 in Wigan

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.

Self Employed in Wigan

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.

Getting Mortgage Advice in Wigan

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.

Trusted by hundreds of Customers in Wigan

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.

 

How our Mortgage Advisors in Wigan can help

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 search 1000's of mortgage deals across a large number of lenders, including:

Mortgage Lenders 001
Mortgage Lenders 002
Mortgage Lenders 003
Mortgage Lenders 004
Mortgage Lenders 005
Mortgage Lenders 006
 

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.

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.

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, Hull, 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Manchestermoneyman

Manchestermoneyman - 3 Piccadilly Place, Manchester, M1 3BN

Moneyman Logo







Moneyman Logo




Moneyman Logo

Ask Your Question





    Moneyman Logo

    Moneyman Logo







    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo