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All our panel mortgage brokers are registered with and regulated by the Financial Conduct Authority.

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

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Includes online checklists, videos, downloads and tips - plus it is free to use and remembers your progress.

 
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Whole Market Access

You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Manchester


Manchester is a large city in North West England. It has numerous attractions, cultural diversions, shopping options and choices of housing stock. It's the place where the atom was first split and the home of Manchester United football club, the Hacienda club (as was) and hosts Manchester Grammar School, UMIST, the University of Manchester, Manchester Metropolitan University and the University of Salford.

Manchester itself also comprises well-known urban areas such as Oldham and Salford. Many students live in Manchester, particularly in areas like Didsbury, where a number of them attempt to complete an infamous pub crawl known as the Didsbury Dozen! Among many attractions you can visit in the city are the Museum of Science and Industry and the People's History Museum, which focuses on UK democracy and its development.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Pay off more than the minimum repayment on your credit card

By paying off more than the minimum repayment on your credit card debt, you are providing evidence to prospective lenders that you can manage debt successfully.
Top Mortgage Lenders 

Fixed rate mortgage

With a fixed rate mortgage, for an agreed fixed term, normally 2, 3, 5 or 10 years, the interest rate on repayments is fixed so you know what amount you have to pay regardless of any movement in the Bank of England base rate.

The advantage is that you can budget for the repayment more easily, although a variable rate mortgage might initially be cheaper. You are well advised to be wary of leaving this type of mortgage before the fixed term has finished because early repayment charges are notoriously expensive. When the fixed term has finished, the repayment interest rate converts to the lender's standard variable rate (SVR) but you can organise another fixed rate with the lender or take up an offer from another lender.
M4 7LH

Property Price Stats for Manchester


Average property price in Manchester £162,814
% Change compared to last year 6%
Population of Manchester 514,417 (2013)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

RECENTLY COMPLETED MOVES IN Manchester

  • 29 The Cube, 2 Advent Way, Ancoats, Manchester, M4 7LH
  • 106 Icon 25, 101 High Street, Northern Quarter, Manchester, M4 1HG
  • A28 The Ropeworks, Little Peter Street, Southern Gateway, Manchester, M15 4QH
  • 211 Smallshaw Lane, Ashton-Under-Lyne, Greater Manchester, OL6 8RJ
  • 63 Waddicor Avenue, Ashton-under-Lyne, OL6 9HF

Local High Street Banks in Manchester

Find a mortgage lender near you:
Some branches may have closed down - Call 0333 344 3234 for a Mortgage Broker covering Manchester

  • Barclays Bank Plc - 369 Moston Ln, Manchester M40 9NB
  • Lloyds Bank Plc - 64 Old Church St, Manchester M40 2JF
  • HSBC Bank Plc - 2-4 Saint Anne's Square, Manchester M2 7HD

Book a Free Mortgage Broker Consultation
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Mortgage Broker Tips for the Conveyancing Process

If a family member or friend is providing you with any of the finance towards your home purchase in Manchester, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels