Moving Home Mortgage Advice in Manchester

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Taking The Stress Away From Moving Home in Manchester!

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.

 

Moving Home Mortgages Manchester

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.

 

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

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:

How Much You Can Borrow & The Costs

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.

Need an Agreement in Principle

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.

Your Offer on a New Home Has Been Accepted

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.

Having Trouble with the Bank

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.

Looking To Move Home in Manchester? We may be able to help.

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.

Getting Your Mortgage Agreed in Principle

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!

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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.

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.

Handy quick links

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

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