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Moving home is well-known to be a stressful experience, but it shouldn’t have to be the case. After all, it’s your life and you are in control! As a Mortgage Broker in Manchester by your side, let us deal with mortgage aspects to taking a larger portion of that stress away, leaving you more time to focus on the move itself.
The main reason as to why moving home with a mortgage is stressful, is you are having to balance purchasing and completing a sale simultaneously.
The good news is, the paperwork and simultaneous completion will be covered by your conveyancing solicitor. Nevertheless, you will still have to secure the current ongoing purchase as well as find a buyer for the property you’re looking to sell.
If you are looking to start your moving home process, our team of Mortgage Advisors in Manchester aim to ensure every part of the process goes as smoothly and quickly as possible.
The benefits of having us by your side are, we will hold your hand through the entire process of Moving Home in Manchester. Supporting you and answering any mortgage-related questions that you may come across in your journey.
Here at Manchestermoneyman, we can search through 1000’s of mortgage products to find you the most suitable deal for your current financial and personal circumstances.
To speak with a Mortgage Advisor in Manchester, book your free mortgage appointment online or give us a call. We look forward to helping you start the next chapter in your home-owning process.
If you are living either inside or the outskirts of the Manchester area and looking to relocate elsewhere in the area, our Mortgage Advisors in Manchester have provided expert Mortgage Advice in Manchester to many home movers to reach their home-owning goals.
Below we have listed popular Moving Home in Manchester scenarios that our team come across daily when speaking to customers about the moving home process:
Customers who recently get in touch regarding their mortgage process were looking for Mortgage Advice in Manchester. This is because they were wanting to know the maximum amount they can borrow, the interest rates and how much their monthly repayments will be.
During your free mortgage appointment, your Mortgage Advisor in Manchester will search 1000’s of mortgage products, to find you the most suitable deal. If you are happy with their recommendation and ready to proceed, we can start getting you an Agreement in Principle. Armed with an Agreement in Principle, you are ready to back up any offers you would put down on any property you are keen on.
Congratulations, you have had an offer accepted on your new home in Manchester. Next, speak to your Mortgage Advisor in Manchester and they can make a start of your full mortgage application. We can also lend a hand to help you find a suitable property surveyor and make a recommendation to a trusted conveyancing solicitor to you.
There are many reasons as to why a bank or building society reject mortgage applications and is not willing to lend you a mortgage. This can vary from your credit score being too low, or not fitting their lender’s criteria.
Whatever the reasons may be for being declined, you may still benefit from contacting a Mortgage Broker in Manchester, like ourselves we work alongside a vase panel of lenders who offer specialist products, tailored to those who struggled to obtain a mortgage from a bank or building society.
Once again it comes down to the credit file and your circumstances. Our Mortgage Advisors in Manchester have a vast amount of knowledge and experience in working in the industry, with this they try their best to help customers match up to their criteria.
If you do not fall into any of these categories previously stated, it is still worth taking the time to get in touch and speak to a member of our team. We’ll likely have worked on a similar situation before and we will love to help you progress further on your mortgage journey.
If you are wanting to know your options for Moving Home in Manchester, our team of dedicated Mortgage Advisors in Manchester will have a chat with you during your free mortgage appointment and tell you what they think is the most suitable route to take. They will work alongside you from your initial enquiry, all the way through to getting the keys to your dream home.
Here at Manchestermoneyman, our team have experience with helping customers get on the property ladder and we have helped many Home Movers in Manchester, from those with complex situations to others whose cases are fast and easy We are well equipped to try and take on any enquiry.
All new/existing customers who get in touch will receive a free home movers’ review. As a part of this review, our team will take a look at what it is that you’re hoping to achieve and find the most suitable route to take. In doing so, we’ll be taking a look at both your monthly payments and the maximum that you may be able to borrow.
Once we have gathered some key information, the next is to see what you are hoping to achieve during your free home movers review. Your Mortgage Advisor in Manchester search through 1000’s of deal to find you the most suitable deal for your circumstances.
If you are happy with their recommendation, your Mortgage Advisor in Manchester will look at equipping you with an Agreement in Principle, we aim to obtain one for you within 24 hours of your initial appointment. Agreements in Principle are handy to back up any offers you put down on a property.
Once you have found your new home in Manchester and the seller of the property has accepted the offer you have made, our team will then process your full mortgage application, all the way through to getting the keys.
Here at Manchestermoneyman, it’s not just about finding the best mortgage for you, we also want to help you find a suitable surveyor and help you get any conveyancing solicitor quotes.
Along with recommending you the most suitable mortgage, your advisor will suggest taking out insurance to help cover your remaining mortgage payments in the event of something unfortunate happening.
Our team are ready to help you find success in your moving home dreams. We can’t wait to hear from you!
4.96 Rating390 Reviews
Kirsty
Chris and Debbie have been great in helping us find three mortgage deals now after our first 2 attempts at house purchases fell through. Always sympathetic and informative. Talking us through multiple options available to us. Explaining the process...
Toby
Many Thanks to Jason and Debbie for securing my mortgage. Would definitely recommend!
Mark
Daniel has always been very helpful. Always nice to talk to and explains everything so we understood every part of the process.
Stephanie
Dan was very polite and informative, sorted our re-mortgage out very quickly :)
Daniel
Manchester MoneyMan are by far the best mortgage brokers i have dealt with and most definitely the most helpful and supportive whenever you need to clarify things, 100% recommended. Chris Thompson and Louise hepworth in particular have helped me...
Elena
Very knowledgeable.
Bev
I have no hesitation in recommending this company. Leo and Lyndsey were a great team and went above and beyond to get me my mortgage offer in super quick time. They were completely professional at all times, keeping me posted of progress and...
Clare
Used money man for the second time! They contacted me as mortgage deal was coming to an end! Dealt with Daniel who made the process very easy! Very professional and easy to talk to! Would definitely use them everytime
Eleanor
Charlie, was very kind and helpful. He made everything feel easy to understand and no query was too big or small. We are very pleased with this service and couldn't imagine not having a broker.
Huong
Helpful, smart and quick ! Conor Longthorn just got me a mortgage offer in less than 10 days! Thank you
Mostafa
It has been a fantastic experience to work with Matt Collinson from day one! Matt is very knowledgeable, will consider all available options, and will produce well-informed advice that considers all surrounding circumstances. Moreover, he is...
Gary
Having tried other brokers I was struggling to find a mortgage but Manchester Moneyman came to the rescue and sorted me an excellent deal
"Natasha
Fantastic service from Moneyman; Jason and Jennifer were knowledgeable, efficient and a pleasure to work with. Highly recommended for first time buyers 🏠🎊
Elizabeth-Sarah
Absolute great service. Ryan & Debbie always kept me updated and responded promptly to any queries. I will definitely use this company again.
Denise
All staff very helpful, respond quickly to any issues,questions you may have, helped me find the right mortgage for me, would highly recommend moneyman to everyone.
Loredana
Leanne was lovely, she called me an answer all my questions, really recommend using the service.
Raja
Ryan Coulson is a brilliant and very knowledgeable mortgage advisor. He listened to my situation attentively and provided answers to all my questions in great detail. I am really happy I got in touch with him and I am sure he will enable me to get...
Jemma
Amazing service from Matt & Stacey from the very start. They’ve both been approachable, knowledgable & helpful throughout. It’s been a long process due to our original purchase falling through but I honestly couldn’t...
James
Brilliant from day one! Jason was super quick to get in touch with us, really easy to talk to and very clear in his explanations etc. As first time buyers we weren't too sure on what to do and how it all works etc. We got the AIP fairly...
Louise
Amazing service. As first time buyers we did not know the process of purchasing a house and getting a mortgage. Jason Loft was very informative and always made himself available whenever we were unsure on something. They're very prompt with...
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.
A telephone call where we can take some initial details and find out about your plan of action.
Put your current home up for sale and start generating interest from a potential buyer.
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.
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.
