Help to Buy in Manchester

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Help to Buy Mortgage Advice in Manchester

The Help to Buy Scheme is just one of the new modern approaches to getting onto the property ladder. It was made to help first time buyers who were struggling to save for a large deposit.


As an experienced Mortgage Broker in Manchester, we have years behind us of helping mortgage applicants with this scheme and have in-depth knowledge of the scheme requirements and criteria.


Help to Buy in Manchester – Do you qualify?

As a Mortgage Broker Manchester that has helped many Help to Buy applicants in the past, we want to try and help you through your Help to Buy needs.


Once you book your free mortgage appointment with a Mortgage Advisor in Manchester, we can check to see whether you qualify for Help to Buy in Manchester.


Typically, most mortgage lenders will also want you to have a good credit history. Mortgage lenders need to be certain that they are lending to a reliable applicant who is not going to fall behind on their mortgage payments.


For Help to Buy Mortgage Advice in Manchester, get in touch with our team by booking a free mortgage appointment online. We have Help to Buy Advisors in Manchester available 7 days a week to answer all of your questions regarding the schemes and the process.


How does it work?Get a quote nowMeet your advisor

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

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Providing you Expert Help to Buy Mortgage Advice in Manchester

Our Help to Buy Mortgage Advisors in Manchester will be able to review your mortgage scenario and check whether you are able to access these schemes. They will still follow the usual mortgage process, where you will have to provide your bank statements, payslips, P60 and identification to continue your Help to Buy process.


There are pros and cons to Help to Buy schemes, sometimes it may be more beneficial for you to take out a regular mortgage route. The schemes were designed for struggling first time buyers, not for people who can afford to take out a regular mortgage.


If you are a first time buyer in Manchester that is interested in one of the schemes, feel free to get in touch with our team. We have Mortgage Advisors in Manchester, available 7 days a week and you can book an appointment during the morning and evenings.


Find out more information about the Help to Buy schemes available to you at

Why should you choose us as your Mortgage Broker in Manchester?

If you’re looking for a Help to Buy Mortgage Broker in Manchester, you have come to the right place. We have been helping home buyers and owners for over 20 years now! Across these years, we have learnt the ins and outs of the Help to Buy schemes and will be able to check whether you qualify for them.


As a Mortgage Broker in Manchester, we’re always open and honest. If you don’t qualify for any of these schemes and it would be more beneficial for you to take on a regular mortgage, we will advise you to do so. We will also try and find you the best rate for your personal and financial situation if you end up going down this route.


Take a look at our 5-star customer reviews and see how we have helped others. Customer care is at the heart of Manchestermoneyman, we will always put the customer first to ensure that they get the best service possible.


We deliver Mortgage Advice in Manchester 7 days a week. You can also pick an appointment at a time that best suits you. Put your family and work arrangements first and then book in your free mortgage appointment online! Our fast and friendly mortgage advice service is made for you, to give you a stress-free mortgage experience.


We can search through 1000s of mortgage rates and products. In Manchester, we have access to a large panel of lenders who offer both specialist and high street mortgages.  It’s your Mortgage Advisors in Manchester who will try and find the perfect deal for you. Once they have your details and have found a deal that matches your situation, they will be able to progress your application and help you send it off to the lender.

Reviews Stars4.96 Rating397 Reviews

Common mortgage

You will typically need to have at least 5% deposit.

Your free initial mortgage consultation in Manchester will last roughly 30 mins. 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.

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 30 mins. 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.

We make it so easy!
Our 4 step process

Step 1

Give us a call and a Mortgage Advisor in Manchester will recommend the best Help to Buy scheme based on personal circumstances.

Step 2

Enjoy finding your dream home in Manchester

Step 3

Make an offer on the property and once accepted, we will progress your mortgage application.

Step 4

We will be here to answer all of your mortgage questions right through till you get your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & 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

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

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