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Our Mortgage Broker Guide to getting a mortgage in Rochdale

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 Rochdale Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Private tenant? Consider using Credit Ladder

If you're a private tenant and regularly pay your rent on time, you may wish to consider using Credit Ladder to help improve your credit rating.

You pay your rent to Credit Ladder - it's a free service – then Credit Ladder passes the money onto your landlord or letting agent, after which it informs Experian as to whether the payment has been made on time. The data is due to be visible to lenders from the end of 2017 onwards.

Joint Borrower Sole Proprietor Mortgage

A person may wish to buy a home but their salary multiples may mean that they can't get a sufficiently large mortgage to do so. One strategy they can use is to make a joint application for a mortgage, involving someone who can get a mortgage, and that other person then does not appear on the legal title. A joint borrower sole proprietor mortgage is the term for the mortgage the pair apply for.

There are legal risks involved in this strategy and at the very least, both participants are well advised to draw up a deed of trust to protect their individual interests.

If you wish to find out more about this subject, please click on Joint borrower Sole Proprietor Mortgages


Rochdale is a town in Greater Manchester. Historically part of Lancashire. Rochdale today is a predominantly residential town. Rochdale Town Hall (a Grade I listed building) dates from 1871 and is one of the United Kingdom's finest examples of Victorian Gothic revival architecture. Rochdale Town Hall is a Victorian era town hall widely recognised as being one of the finest municipal buildings in the country.

The Grade I listed building is the ceremonial headquarters of Rochdale Metropolitan Borough Council and houses local government departments, including the borough's civil registration office.

Rochdale rose to prominence in the 19th century as a mill town and centre for textile manufacture during the Industrial Revolution. It was a boomtown of the Industrial Revolution, and amongst the first industrialised towns. The Rochdale Canal, one of the major navigable broad canals of the United Kingdom, was a highway of commerce during this time used for the haulage of cotton, wool and coal to and from the area.

OL11 1ED

Property Price Stats for Rochdale


Average property price in Rochdale £164,642
% Change compared to last year 6.42%
Population of Rochdale 220,001 (2001)


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 Rochdale - Recently Completed

  • Gort Way, OL10 1FT
  • Gelder Clough, OL10 4BD
  • Shuttle Drive OL10 3FW
  • Ditton Mead Close, OL12 9SH
  • Millview Lane OL16 2BA

Local High Street Banks in Rochdale

Mortgage Broker in and around Rochdale

Our Rochdale mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Oldham, Manchester, Bolton, Ashton-under-Lyne, Huddersfield, Hebden Bridge and Burnley.

Which banks are local to you?


  • Yorkshire Bank Plc - 9/11 Yorkshire St, Rochdale OL16 1BL
  • The Co-op Bank - 110 Yorkshire St, Rochdale OL16 1JY
  • HSBC Bank Plc - 2 Yorkshire St, Rochdale OL16 1EE

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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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 Rochdale offering free first consultation (terms apply).

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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.

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Rochdale Mortgage Broker Insider Tips

Agree a date you want to compete by as soon as your offer is accepted

Even though you may not actually end up moving on the date you agree at this point, it is likely to focus any chain on a timeframe for exchange of contracts and completion, which is likely to save considerable time overall.

Ask your solicitor to inform all other parties of your preferred timeline.

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Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.