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Our Mortgage Broker Guide to getting a mortgage in Manchester

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

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

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

Mortgage Broker Manchester Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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.

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

Mortgage Broker Manchester - Recently Completed

  • 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

Mortgage Broker in and around Manchester

Our Manchester mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Oldham, Middleton, Prestwich, Stretford, Stockport, Snaresbrook and Wythenshawe.

Which banks are local to you?


  • 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

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Manchester offering free first consultation (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.

Manchester Mortgage Broker Insider Tips

Selling? Consider ordering your own local authority search

  • One of the conditions that a lender imposes on a buyer buying a property with a mortgage is that the buyer must purchase a local authority search. Additionally, cash buyers often buy this search for their own peace of mind.

  • The local authority search takes the longest to be returned; anything from 1 week/10 days to 6 weeks and beyond sometimes. 

  • A seller can therefore pre-empt this by buying their own local authority search, which they can then sell onto a prospective buyer.

  • They also benefit by being notified of any planning orders etc.

Click to order your Local Authority Search
Conveyancing Process
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