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Specialist Mortgage Advice in Manchester

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7 days a week, 8am - 10pm

0161 7133 215 Speak to an Advisor - It's Free!
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Specialist Mortgage Advice in Manchester

Navigate a complex mortgage scenario with ease. Specialist mortgage advice in Manchester tailored for your individual financial situation.

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We look at solutions for specialist mortgages in Manchester for complex situations.

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.

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Specialist Mortgage Advice in Manchester

Our service may benefit you when looking for specialist mortgage advice in Manchester.

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 offer all customers a free mortgage appointment in Manchester.

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.

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FAQs for Specialist Mortgage Situations in Manchester

What is bad credit for a mortgage in Manchester?

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“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.

Can I remove a CCJ from my credit file in Manchester?

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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.

Do you require a specialist mortgage advisor in Manchester?

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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

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

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.

We Can Search 1000s of Mortgage Deals

Step 2

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.

Submit Your Mortgage Application

Step 3

Once you accept a purchase offer, your mortgage advisor in Manchester will proceed to submit your full mortgage application and relevant evidence documents.

Protecting You and Your Mortgage

Step 4

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.

Reasons to Choose us

Free Mortgage Appointment

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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.

1000s of Deals

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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 Service

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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.

7 Days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in Manchester

We Search 1000s of Specialist Mortgage Deals in Manchester

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Specialist Mortgage Scenarios in Manchester

Property Down Valuation

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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.

Divorce & Separation Mortgage Advice

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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.

Remove a Person From a Mortgage

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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.

Single Name Mortgages for Married Applicants

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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.

Shared Ownership

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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

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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.

Second Home Mortgages

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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.

Holiday Home / Let Mortgages

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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 Build Mortgages

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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.

Non-Standard Construction Property Mortgages

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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.

Multiple Applicant / House of Multiple Occupation Mortgages

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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.

Mortgages Past Retirement Date / Lifetime Mortgages

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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

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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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