Mortgage Problems?


We find that many of our customers have approached their own high street bank for mortgage advice. Usually, they have been unable to help due to their lending criteria. The main reasons being, credit score, the type of property being mortgaged, or simply they will not lend enough for your needs.

We’ve noticed that our clients’ lives are becoming more and more complicated and the high street banks struggle to accommodate this. Therefore there are more people experiencing problems with getting a mortgage. As a result, the demand for help with more complicated mortgage enquiries is certainly on the rise.

Here are some of the situations we deal with on a daily basis:

  • Bank won’t lend you enough
  • Failed credit score at your bank
  • You do not meet your banks lending criteria
  • Remortgage and capital raising
  • Your income makeup, i.e. salary, dividend, benefits, drawings, net profit etc
  • Your employment status, i.e. contract, professional, self-employed, employed, business owner
  • The property type i.e. non-standard construction, high rise flats, apartment block
  • Letting out your existing home to buy a new one – Let to Buy Mortgage Advice
  • Mortgage Lender will not deal with you direct
  • Can’t get an appointment with your bank quick enough
  • Your existing credit commitments
  • Marital status i.e. married buying in sole name, divorce, separation
  • Starting a new job or recently changed employer
  • Self-employed / Limited company status change
  • Buying from or with a family member
  • Buying from your landlord
  • On Maternity leave
  • Buying a property below market value
  • Need a fast decision?
  • Looking to remove a person from a mortgage
  • Anything else …??

If your situation is not listed above then I’m sure it will be something that we have come across before.

Without the help of a Specialist Mortgage Broker, it can be a minefield trying to establish mortgage lending criteria and firing applications off left, right and centre will have a negative impact on your credit score which could well prevent you qualifying for any mortgage deal until it is rebuilt over time.

We have access to many specialist mortgage lenders who all have different mortgage criteria. Hence, it is our job to utilise our knowledge and experience to recommend the most suitable lender based on your personal situation – We aim to be RIGHT FIRST TIME !!

We’re not tied to Estate Agents…

Unlike a lot of other Mortgage Brokers, we’re not tied to Estate Agents so we only workwith your best interests at heart. 
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Open & Honest Mortgage Advice in Manchester & Manchestermoneyman are trading styles of UK Moneyman Limited, which is
authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

Manchestermoneyman, 3 Piccadilly Place, Manchester, M1 3BN.
0161 7133215

The Financial Conduct Authority does not regulate most buy to let mortgages.

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