Manchestermoneyman

Business Details

17 Years

experience

Trusted Mortgage Brokers in Manchester

Established in 2009, Manchestermoneyman has built a reputation as a trusted mortgage advisory service in Manchester. Our team of experienced professionals specialises in providing tailored mortgage solutions for first-time buyers, home movers, and investors. With access to over 1,000 mortgage products and partnerships with major lenders, we prioritise finding competitive rates that align with individual financial circumstances. Our FCA-authorised advisors offer comprehensive guidance through every stage of the mortgage process, from initial consultations to final completions.

We maintain transparency in all dealings, ensuring clients understand associated fees and requirements. Our 24/7 mortgage monitoring service provides ongoing support, helping clients optimise their mortgage arrangements as market conditions change. This commitment to personalised service has earned us a 4.96 rating from 488 customer reviews.

Services

First Time Buyer Mortgages Remortgage Advice Buy to Let Mortgages Equity Release Self Employed Mortgages 95% Mortgages Mortgage Protection Credit Repair Mortgages Porting Mortgages Lifetime Mortgages

Details

Year established: 2009

Highlights and features

We offer 24/7 mortgage monitoring to optimise your deal
Our team accesses 1000+ mortgage products unavailable directly
FCA-authorised advisors with 15+ years industry experience
Personalised service with same-day appointment availability
Free mortgage agreement in principle within 24 hours

Associations and certifications

Financial Conduct Authority

What people say

Exceptional service Knowledgeable team Smooth process Prompt communication Complex case handling

Website

Update Listing

Services

First Time Buyer Mortgages

Specialist mortgage solutions for first-time purchasers, including 95% LTV options and government schemes. Our advisors help navigate deposit requirements, credit considerations, and eligibility criteria. We provide clear guidance on Help to Buy arrangements and shared ownership structures while ensuring clients understand long-term financial commitments.

Remortgage Advice

Expert guidance for homeowners seeking better mortgage terms. We analyse existing arrangements to identify savings opportunities through rate changes, equity release, or debt consolidation. Our service includes assessing early repayment charges and arranging seamless transitions to more favourable products while maintaining regulatory compliance.

Buy to Let Mortgages

Tailored financing solutions for property investors, including portfolio management and holiday let arrangements. We connect clients with lenders offering competitive rates for rental properties, advising on income verification requirements and tax implications. Our service covers both standard and complex buy-to-let scenarios.

Equity Release

Specialist mortgage products for homeowners aged 55+, including lifetime mortgages and home reversion plans. We provide detailed explanations of interest accumulation methods, inheritance implications, and regulatory protections. Our advisors ensure clients understand the long-term financial impact of releasing equity from their primary residence.

Self Employed Mortgages

Mortgage solutions for self-employed individuals and company directors. We work with lenders that specialise in non-standard income verification, helping clients demonstrate affordability through accounts, tax returns, or SA302 forms. Our service addresses unique challenges faced by self-employed applicants in the mortgage market.

People

Malcolm

Founder

With over 15 years in mortgage advisory, Malcolm established Manchestermoneyman in 2009. He oversees strategic direction while maintaining hands-on client engagement. His expertise spans complex mortgage cases and regulatory compliance, ensuring the company maintains FCA authorisation standards.

Conor

Senior Mortgage Advisor

Specialising in first-time buyer mortgages, Conor has assisted over 500 clients since joining in 2015. He focuses on simplifying mortgage processes for new purchasers while maintaining compliance with affordability checks and lending criteria.

Lee

Mortgage Consultant

Lee specialises in remortgaging solutions, helping clients save an average of 2,500 annually through rate changes. With eight years' experience, he provides clear explanations of early repayment charges and product transfers while maintaining client-focused communication.

Questions

What mortgage options exist for first-time buyers?

We offer 95% LTV mortgages, Help to Buy schemes, and shared ownership options. Our advisors explain deposit requirements, government assistance, and eligibility criteria to help first-time buyers navigate their initial property purchase.

How can remortgaging save money?

Remortgaging can reduce monthly payments through better interest rates, consolidate debts, or release equity. We analyse your current arrangement to identify savings opportunities while considering early repayment charges and new product terms.

What mortgage deals work for self-employed applicants?

We access lenders specialising in self-employed mortgages, using SA302 forms, business accounts, or tax returns to demonstrate income. Our advisors help business owners and contractors meet affordability criteria through tailored mortgage solutions.

How does equity release affect inheritance?

Equity release typically reduces inheritance value. We explain lifetime mortgage interest accumulation and home reversion plans, ensuring clients understand the long-term financial implications for their beneficiaries before proceeding.

Can I get a mortgage with past credit issues?

Yes, we work with lenders offering adverse credit mortgages. Our advisors assess your specific circumstances, explain required deposit levels, and guide you through demonstrating financial stability to improve approval chances.

What happens during a mortgage consultation?

Initial consultations assess financial circumstances, property goals, and borrowing capacity. We explain available products, fees, and application processes before conducting detailed affordability assessments to identify suitable mortgage options.

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