Mortgage Broker Manchester

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There's no need to wait days to speak to a mortgage lender direct when you can get a FREE  mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.

 
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Free Mortgage Consultation*
No need for Face to Face meeting
Available Every Weekday
Bespoke Mortgage Rates**
Your mortgage broker handles the whole process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
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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?

How to get a mortgage in Manchester
Property prices in Manchester have been increasing over recent years. The average house price in Oldham for a terraced property is £134,726, however in Stockport more semi-detached properties sell at an average price of £305,487.

Location
10% Deposit
What would your salary need to be?
(estimated based on 4.5 times salary)
Oldham
£13,473
£29,645 or £13,473 per salary with a joint purchase
Stockport
£30,549
£61,097 or £30,548 per salary with a joint purchase

Are you self-employed? Read more >>5 Tips for Getting a Self Employed Mortgage

Mortgage Broker Manchester Tip 1
Top Mortgage Lenders
#1 Top Tip
#2 Top 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.

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.

Find a local mortgage broker in Manchester

Mortgage Broker in Stockport

Mortgage Broker in Oldham

Mortgage Broker in Rochdale

Monarch Mortgage Solutions
3rd Floor, Broadstone Mill, Broadstone Rd, Reddish, Stockport SK5 7DL
0161 870 6005
Acumen Mortgages
Acumen House, Oldham Broadway Business Park, Howarth Court, Gateway Crescent, Chadderton, Oldham OL9 9XB
0161 688 1111
Amal Finance Limited
10 Milkstone Pl, Rochdale OL11 3TA
0800 001 6786

Bank of England Base Rate
1.75%
Increased from 1.25% on the 5th August 2022.
 

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

Prefer a high street bank versus a broker?

You can walk into your local high street bank and set up a meeting with a bank direct book a mortgage consultation.

  • 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

Find a Home Mortgage icon for whole of the market

Whole Market Access

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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FREE mortgage consultations for Manchester

Mortgage Brokers for Manchester offering free first consultation*
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Fast mortgage appointments

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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Impartial Mortgage Advice

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

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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