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Moving Home Mortgage Advice in Manchester

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We Take the Stress Away From Moving Home!

Some say that moving home is the third most stressful experience in your life. This doesn’t have to be the case though, after all it’s your life and you are in control! Whether you’re purchasing and selling at the same time or letting out your previous property, it’s our job to ease some of that stress and give you a service you deserve. We want to make sure the process goes as smoothly as possible, leaving you with a result that is favoured by all.

 

As an open & honest Mortgage Broker in Manchester, we work alongside you throughout the process, without any outside involvement from Banks, Building Societies or Estate Agents. Our advisors have your best interests at heart.

 

We can search 1000s of mortgage products, to find you the best deal for your individual circumstances.

 

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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Moving Home Mortgage Advice in Manchester

Moving home is a stressful process that often leads people to get in touch and seek Mortgage Advice in Manchester. Our experienced advisors have helped many customers with their mortgages when it comes to moving home. There are many reasons people may choose to do this instead of Remortgaging for Home Improvements. Some popular scenarios we have encountered include;

 

  • You’re considering moving home and are wondering how much your monthly repayments or borrowed amount could be?
  • You’ve found your dream home and are ready to make an offer?
  • The offer you’ve made has been accepted and you’re eager to get started?
  • You are interested in letting out your current home and buying another to live in?

 

If you fall into any of these categories or something not listed, Get in Touch and we will see how we are able to help.

Why choose Manchestermoneyman as your Moving Home Mortgage Broker?

As an open & honest Mortgage Broker in Manchester, we work alongside you throughout the process, without any outside involvement from Banks, Building Societies or Estate Agents. Our advisors have your best interests at heart! This is how we are able to help you;

  • We can produce a Mortgage Agreement in Principle for you, so you’re able to back up any offers you make.
  • Explaining the different types of Property Surveys available to you.
  • Recommend competitively priced Solicitors and Surveyors.
  • Go through your Mortgage Offer to ensure everything is correct.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Manchester will last round about one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

As your Mortgage Broker in Manchester, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Manchester. At the very latest you should obtain one prior to making an offer to assist your bargaining position. As your Mortgage Broker in Manchester, we can usually turn round an agreement in principle within 24 hours of your mortgage application.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home in Manchester for things like debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit when purchasing a house in Manchester with high street lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage in Manchester. Most lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

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We make it so easy!
Our 4 step process

Step 1

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

Step 2

Put your current home up for sale and start generating interest from a potential buyer.

Step 3

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

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal!

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.

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Manchestermoneyman.com & Manchestermoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited 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.

© 2021 Manchestermoneyman

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

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