Specialist Mortgage Brokers in Manchester

What Is a Specialist Mortgage Broker?

A Specialist Mortgage Broker – or Mortgage Services Consultant – is a person with the legal and financial knowledge to help you find a suitable mortgage in difficult circumstances.

How We Charge

Our charging packages are bespoke to each client. All of our costs are estimated on a case-by-case basis, so you don’t need to worry about being over-charged for the service we provide.

What’s Included In The Service?

While some mortgage firms just provide advice to their customers, we handle all of your admin for you too! We even chase lenders and deal with solicitors for you when necessary. Our service is designed to take the stress off of your shoulders and let us, the experts, handle it.

Which Lenders Do We Work With?

One of our major advantages over our competitors is the fact that we can work with any specialist mortgage lender. We also give market-wide specialist mortgage advice, so there’s truly nothing we can’t help with. We’ll search the entire market to find the best specialist mortgage lenders for your circumstances in order to get you the best possible deal.

You can get in touch with us directly today by calling our Manchester office on 07765 738796.

Do My Circumstances Fit?

Situations where you might need to employ the services of specialist mortgage brokers in the UK include:

• You are self-employed and your income is irregular
• You have bad credit
• You have a low credit score
• Your credit history is poor
• You have CCJs
• You have been declared bankrupt
• You’re a first-time buyer trying to get on the property ladder
• You want to take out a buy-to-let mortgage
• You’ve missed payments on financial commitments in the past
• Your mortgage is being managed by a debt management plan
• You want to release some or all of the equity in your property
• Securing a mortgage against a property that already has an outstanding mortgage on it
• You want a bridging loan
• You are an ex-pat
• You are only eligible for an interest-only mortgage

Bad Credit Mortgages

If you have a poor credit history then it can be very difficult to get on the property ladder. Most mortgage brokers will focus on your current credit score, and if you haven’t got the best history, then this will be flagged and potentially prevent you from getting a mortgage.

Thankfully, we have specialist mortgage brokers for bad credit to help you get back on track with your credit score. If you are struggling to purchase your first property, then a bad credit mortgage may give you that step-up you need. We provide the specialist mortgage advice you need in order to find a mortgage deal.

Self-Employed Mortgages

Typically, when applying for a mortgage, your chosen financial lender will check your employment status. When applying for a self-employed mortgage, your specialist lender will typically ask for up to two years of your company’s financial accounts. If you have only been self-employed for a couple of months, then it can be hard to successfully apply for a self-employed mortgage.

Thankfully, there are mortgage options out there suited for anyone self-employed. We will use our knowledge of the mortgage market to find you a lender that will take your self-employed status into consideration.

Large or Complex Mortgages

If the property you are considering purchasing is worth over £1 million, then you may have to consider taking out a large or complex mortgage.

Many mortgage loans won’t cover extremely pricey properties, which is why large mortgage options are available. The judgement process can be fairly difficult if applying for a complex mortgage, but our mortgage specialists can put you in touch with specialist mortgage lenders who can provide you with the financing you need.