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It's Free to Speak to an Advisor, 7 days, 8am - 10pm
We frequently receive calls from customers regularly who have been declined from their high street bank. This may happen when the mortgage process has already started and then they’re dropped without much reasoning given.
With some of these cases, the bank’s mortgage advisors should’ve been able to stop this at the outset by making sure you were right for that mortgage from the start.
Because of the management of the banks, our customers can often be left out of pocket, causing comprehensible frustration and stress. Without being fully confident of lending criteria prior to your application, you could actually harm your chances of getting a mortgage full stop. Mortgages can be challenging!
Don’t panic, our team have lots of experience in dealing with customers who have complex situations, so if you are in a similar situation, don’t hesitate to get in touch speak with a member of our team. Book yourself in for a free mortgage appointment with an entrusted mortgage advisor in Manchester today.
When mortgage applicants are experiencing a complicated process and can’t find a suitable lender that will accept their application, rest assured our team are ready to provide expert Mortgage Advice in Manchester to guide them through their journey.
As a trusted and experienced Mortgage Broker in Manchester, we have spoken to many customers, all with very diverse mortgage scenarios to one another.
When mortgage applicants are experiencing a complicated process and can’t find a suitable lender that will accept their application, rest assured our team are ready to provide expert Mortgage Advice in Manchester to guide them through their journey.
As a trusted and experienced mortgage broker in Manchester, we have spoken to many customers, all with very diverse mortgage scenarios to one another.
We have access to a number of mortgage lenders on panel, who have access to specialist products that fit the need of those who are having difficulties obtaining a mortgage, for not meeting the bank’s mortgage criteria.
With the help of a Specialist Mortgage Advisor in Manchester working alongside you and your mortgage situation, particularly if your case is complex, can prove to be very beneficial to you in the long run.
We aim to provide you with expert mortgage advice in Manchester, to find you the most suitable mortgage deal for your current circumstances. We ensure to do everything we can to achieve this.
Our Customers Love Us
4.96 Rating458 Reviews
Anonymous
Very straightforward and clear, they made everything so simple for my first mortgage and the renewal was even easier.
3 weeks ago
Gary
This team is fantastic! They handle everything, making the whole process incredibly easy and hassle-free. I highly recommend them!
1 month ago
Michelle
I would high recommend this service they were amazing, and very professional. They were helpful throughout the whole process.
1 month ago
Michelle
Amazing service, extremely helpful and professional. Would highly recommend. Very happy with the service
1 month ago
Mrs Vanessa
Brillant. Helped us with non-standard employment conditions and were very efficient at getting everything sorted. Also very easy to get hold of. We always use a paid broker, their fee is very reasonable for the efficiency and personal service you...
1 month ago
Matthew
Can not speak highly enough of the people I have spoken to and the service I have received from the team. Charlie and Debbie are a credit. None patronising, easy to speak to, welcoming and very helpful. Will continue to recommend to friends.
1 month ago
Ruth
Excellent experience with Matt and Stacey from UK moneyman. As first time buyers they made this experience easy and stress free. I'd really recommend using UK moneyman! 10/10!
1 month ago
Christopher
Brilliant service. Knowledgeable & very professional.
2 months ago
Mrs Claire
Very helpful got us a mortgage a lot sooner than we expected. Very happy
2 months ago
john
Louise was absolutely outstanding !!! We had a few issues with the property we were purchasing and Louise was so helpful in getting us the answers we required from the lender within a timely manner. I spoke with Louise regularly and she was...
3 months ago
Jiri
Leo from Manchester Moneyman was very helpful and efficient in securing us a mortgage on much better terms than our bank could offer. Thank you!
5 months ago
Olusola
The process has been stress free from the start to the end. The team has been helpful. I will definitely recommend Manchester Moneyman to people.
5 months ago
John
We've used UK Moneyman for two house purchases and remortgaging our current home. The team are unfailingly professional and lovely to work with. I'd recommend them to anyone in need of an excellent mortgage broker.
5 months ago
Alanya-Lee
As first time buyers, we needed all the support and guidance we could get. Tom was fabulous, honest and genuinely had our best interest at heart. He answered all of my silly questions and was always a phone call away.
5 months ago
Chiara
Worked with Malcolm and Debbie! Couldn’t recommend them enough. Thankyou for all your help!
6 months ago
Marco
Leo went above and beyond to provide all the information and assistance I needed to secure my dream property. Very friendly and professional. Highly recommended!
6 months ago
Stephanie
Originally took mortgage out 5 years ago and have just re-mortgaged with them. As this was a product transfer and I was a returning customer this was a no charge for this service. Can’t ask for better than that. All paperwork done by them and I...
6 months ago
Chris
Amazing service from start to finish!
7 months ago
Paul
Malcolm was very helpful and efficient.. definitely would recommend their services.
7 months ago
Amy
The whole team was super friendly and helpful, spent a lot of time navigating my challenging circumstances, and got me a better rate than I ever expected.
7 months ago
“Bad credit” for a mortgage in Manchester refers to a situation where a potential borrower has a history of financial issues that could pose challenges in obtaining a standard mortgage from mainstream lenders. While having a poor credit history can make securing a mortgage more difficult, there are specialist lenders who may be willing to work with individuals facing adverse credit circumstances.
You cannot directly remove a CCJ from your credit file unless it was issued in error or if you’ve paid it in full within 30 days of receiving the judgment. Otherwise, a CCJ remains on your credit file for a period of six years from the date of issuance, even if you subsequently settle the debt.
While it’s not strictly mandatory to speak with a specialist mortgage advisor in Manchester, it is highly recommended, particularly if you have unique financial circumstances such as bad credit or if you are self employed. Looking into mortgage advice in Manchester can be invaluable in helping you explore suitable mortgage options, especially if you may not qualify for standard mortgages from mainstream lenders
During your free mortgage appointment with a mortgage advisor in Manchester, you will need to provide information about your income and expenses to determine your affordability.
Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you. Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.
Once you accept a purchase offer, your mortgage advisor in Manchester will proceed to submit your full mortgage application and relevant evidence documents.
Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.
If you have any problems with your credit score, then we recommend you obtain an up-to-date copy of your credit report. This will help you when it comes to your free initial mortgage appointment, as your credit report will give us a more reasonable understanding of what you are like your goals and the sort of deals that might be suitable for where you are at financially and personally.
Here at Manchestermoneyman, we have a large selection of specialist mortgage lenders on panel, each with their own lending criteria for us to match customers like yourself to hopefully achieve your mortgage goals. Our Mortgage Advisors in Manchester will utilise the knowledge and experience they have acquired over the years of working in the industry, to recommend you the most suitable mortgage deal that matches their current circumstances.
Our fast & friendly Mortgage Advice team always aim to make sure you receive high-class service, keeping you informed throughout, and being as responsive as possible throughout the entire process. We hope that you will go into your new property with a suitable mortgage deal that matches up with your current personal and financial circumstances.
As a company that has built up a reputation for providing clear & simple Mortgage Advice in Manchester, we will be there every step of your mortgage journey. Contact us and get yourself booked in for your free initial mortgage appointment with a Mortgage Advisor in Manchester.
If you have had someone come out and conduct a property survey on your potential new home, only to find out that the offer you put forward is too much above the actual property value, you have on your hands a Property Down Valuation.
It is not impossible to work around this, it is just a small hurdle and the chances are that your lender will just pull out of the deal. If you are able to make up the difference between your offer and the actual value of the property, then you have a slightly better chance of success.
In the unfortunate event that your relationship comes to an end and you begin the process of separation or divorce, you will need to sort out any joint finances like your mortgage. This can be a challenging process, however, it is something that needs to be done quickly as it can be more difficult the longer you leave it.
Your mortgage is one aspect to consider if you go through a divorce or separation as it will involve you removing your own name or your ex-partner’s name from the mortgage you are currently both on.
From here, your options may be limited. This does depend on your affordability and your financial state, however, lenders do prefer two incomes and may not be able to lend to you in confidence because of having just the one income to cover mortgage payments.
In the case where you are married and are looking at getting a mortgage on a home for you and your partner, it’s common for lenders to want both applicants named on the mortgage. Despite this, you may be able to obtain a mortgage in one of the applicants’ names.
This type of mortgage is beneficial if you are wanting to take a mortgage out as a share at a percentage of the property. The percentage can range between 25% – 75%, this can differ depending on the situation.
The remaining share is likely owned by a local authority. The applicant will pay them back through rent as well as paying off your mortgage to the lender.
Professional Mortgages is one that is only eligible to someone with very specific professions across the country. This type of mortgage is a niche part of mortgage market, therefore, we would recommend that you contact a specialist like ourselves to get more information about this.
In the case where you wanting to take out a mortgage on another property, it’s important that you demonstrate to the lender that you are financially able to keep up with the cost of two mortgages at the same time. Our team can help you with this.
You may find that Holiday Lets are alike to buy to lets. The main difference between the two is buy to lets will usually have long term tenants, but holiday lets will only have short term tenancies.
The one drawback that you need to consider is you will need to factor in the instances where there is no interest in your holiday let due to off-season times. This is also something mortgage lenders will think about and will need to be confident in you being able to afford your mortgage payments regardless of the time of year and if you are a tenant or not.
New builds are often seen to cost more money to invest in than properties of previous eras. If you’re struggling to save up for a deposit, you could be eligible for the Help to Buy Equity Loan Scheme to get onto the property ladder.
A ‘non-standard’ property is are properties that are not built in a customary way, i.e., with bricks or mortar.
For a home buyer to take out a mortgage on something like this, you will need to speak with a Specialist Mortgage Advisor in Manchester. We also greatly recommend that you get a full structural property survey if you’re looking to buy a home that is applied to this description.
HMO mortgages are a variation of buy to lets that usually have between 4-6 tenants, similar to student housing. HMOs are often challenging investments to work with. We always recommend speaking to a specialist buy to let Mortgage Advisor in Manchester.
If you are page the age of 55, You might have access to releasing some equity that you’ve built up over time. To turn that into cash, you will need to take out a lifetime mortgage.
We always recommend speaking to a Specialist Mortgage Broker for Specialist Mortgage Advice in Manchester when it comes to a mortgage situation like this.
Offset mortgages will put a savings account running at the same time as your mortgage. This mortgage type is usually a good way of helping you access competitive interest rates and mortgage products with different lenders.
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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 Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Manchester, 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
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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 Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Manchester, 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
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