What is bad credit for a mortgage in Manchester?

“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?

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?

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

Specialist Mortgage Advice in Manchester

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 initial mortgage appointment with an entrusted mortgage advisor in Manchester today.

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.

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 initial 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.

Speak to an Advisor

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

FAQs for Specialist Mortgage Situations in Manchester

Our Customers Love Us

4.96 Rating488 Reviews

Danielle

We can’t thank Malcom and his team enough for getting us on the property ladder. A year ago we didn’t think it was possible but they did everything they could to find us our mortgage. Thank you so much!

1 week ago

Sameer

Conor is always outstanding with his follow through and team is fantatsic. Always a joy to deal with. Cheers.

2 weeks ago

Danniela

The service was absolutely amazing. Lee was very easy to communicate with and very helpful.

3 weeks ago

Peter

The whole process went well and perfect

1 month ago

Albert

Excellent customer service provided experts who fully support their clients.

1 month ago

Alina

Matt and the team have been brilliant! Really knowledgeable, got everything sorted out so efficiently and quickly! Can't ask for better service! Will definitely be recommending to my friends!

1 month ago

Linda

We were offered a really poor mortgage deal by our own bank (despite banking with them for over 40 years), and their adviser didn’t seem to know how to help us. A colleague suggested trying a mortgage broker, so we searched online and found...

1 month ago

Frederick

Experience team, very helpful, understanding, patient, work as a team.

2 months ago

Helen

Debbie and Chris have been amazing. Keeping me informed every step of the way. Recommend UK Moneyman

2 months ago

Timothy

Great service from the start, will certainly use them again.

2 months ago

Habib

Really good service,Jason and Stacy were really good and made it easy

2 months ago

Bryn

Charlie was pleasant, thorough and efficient. In just half an hour he had explained several different options for my remortgage and we had come to an agreement on how to proceed. Such a great service!

3 months ago

Michael

The service was excellent with a personal advisor walking me through the process end to end, answering any questions I had throughout. Would highly recommend to anyone!

4 months ago

Dawn

Leo Shakespeare and Stacey Moss have been Fantastic throughout the process of getting our mortgage they have been in contact throughout explaining everything to us from start to finish we can not thank them both enough for helping with this process...

4 months ago

Deborah

Excellent and friendly customer services

5 months ago

Dr William

Charlie has been so helpful and very approachable. The whole team at ManchesterMoneyman have been great. Highly recommend to others!

5 months ago

John

Charlie was friendly, thorough and full of advice, which was great as a first time buyer. He was also very accommodating of my extra needs due to my loss of hearing, which is quite rare in my experience. I’d highly recommend Manchestermoneyman and...

5 months ago

Anonymous

Chris - our mortgage broker has been incredible throughout the process. Very pleased with the service offered and will be back when we need to remortgage.

5 months ago

Anonymous

We received a great service, no hassle for us, they worked quickly with initiative and secured a good product.

6 months ago

Mr.

We have used Manchester money man a few times now and always find them to provide us an excellent service. They offer all options and explain the pros and cons of each allowing us to make an informed decision. Could not recommend highly enough

6 months ago

Our Simple Mortgage Process

Free Initial Mortgage Appointment

During your free initial 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

Although certain circumstances may limit your options, we will search through 1000 deals to find the most suitable 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

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

Our service goes beyond merely obtaining the most suitable deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.

Reasons to Choose us

Free Initial Mortgage Appointment

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

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

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

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.