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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 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.

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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.

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 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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