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Specialist Mortgage Advice in Manchester

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Declined by the Bank? We Might be Able to Help!

Getting a mortgage can often require a lot of thinking outside the box and assistance from a mortgage advisor who knows what they’re doing, in order to achieve the desired result. As a Specialist Mortgage Broker in Manchester, it is our job to provide that assistance with quality mortgage advice and care. Our team of Mortgage Advisors in Manchester works with many mortgage lenders that specialise in a variety of areas to ensure customers have the best chance of succeeding, no matter the case.

 

If you’re in need of some expert Mortgage Advice in Manchester, then look no further. We believe the services we provide will be incredibly beneficial to you and your mortgage journey.

 

We are aware of all the mortgage schemes and products available and will be happy to discuss these in detail with you.

 

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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Specialist Mortgage Advice in Manchester

When a customer is looking to receive some Specialist Mortgage Advice in Manchester from expert advisors, we often find ourselves being approached by many who are after our guidance and advice on various mortgage related topics. No matter the situation you find yourself in, we’ll try our best to find the most appropriate outcome for your circumstances.

Frequent topics we’ve encountered include:

  • Sale Under Value Mortgages
  • Professional Mortgages
  • Second Home Mortgages
  • Holiday Home Mortgages
  • Divorce Mortgage Advice
  • Remove a person from a Mortgage
  • Shared Ownership
  • Single Name Mortgages for Married Applicants
  • Mortgages Past Retirement Date
  • Offset Mortgages
  • New Build Mortgages
  • Non-Standard Construction Property Mortgages
  • Multiple Applicant Mortgages

 

The above list is just a brief overview of what customers have contacted us about in the past. There may be a situation you’re in that isn’t on our list. If this is the case, it doesn’t mean we won’t be able to help at all, as there is still a chance that we can get you where you need to be. If this applies to you, please still get in touch as we’d love you help you through the mortgage process.

 

Contact us to book your free specialist mortgage consultation and speak with a trusted mortgage advisor in Manchester.

In need of a Specialist Mortgage Advisor in Manchester?

  • We’re open and honest with our customers.
  • We have special connections with specialist mortgage lenders to find you the best deal.
  • Our Mortgage Advisors in Manchester is fully equipped and able to handle complicated situations on a regular basis.
  • We know our criteria and very experienced in mortgages.
  • Also, we offer our customers a free mortgage consultation.
  • We offer you help and support throughout the whole process.
  • Mortgage appointments are available daytimes, evenings or weekends.

 

As your Mortgage Advisor in Manchester, we are here to help you.  Get in touch with us today and book your free 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.

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

Enjoy finding a property in Manchester!

Step 3

Make an offer on the property you set your heart on – 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. We’ll be there to support you, right through to you getting your keys.

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.

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