Mortgage Broker

Stretford, the part of Greater Manchester that is home to both Manchester United football club and Lancashire County Cricket club is currently enjoying a bit of a facelift. The well know A56 Chester Road that runs from Sale through to the city centre is being repaired and the local Stretford shopping centre is also being beautified.

With 3 bedroom terraced houses now selling for upwards of £200,000 (see https://www.onthemarket.com/for-sale/property/stretford/), many people are looking to buy a house in this area. Mortgage brokers are much sought after and quality brokers like Andy Butterworth and Alan Dee are busily sorting out mortgages for all types of Stretford property.

Because the houses in Stretford are a mix, the types of mortgages available are also a mix. First time buyers, buy to let, lease to buy, remortgages and bad credit mortgages all rank highly in Stretford.

Ideally placed between Chorlton, Sale, Urmston and Manchester city centre, Stretford is the cheapest of these areas to buy a house. Chorlton is super expensive, closely followed by Sale and then Urmston. For people looking to buy a house in Stretford, you'll save yourself over £100k by relocating here rather than Chorlton.

Recently in the Bury Times, an online newspaper that covers the areas of Bury, Radcliffe, Prestwich, Whitefield, Ramsbottom and Tottington there were some interesting articles on how to go about obtaining a mortgage and buying a house in Bury, Greater Manchester.

The link above will take you to the rightmove website, which is a portal of houses for sale and is organised by area. Now the area of Bury and surrounding satellites of Tottington, Walmersley and Ramsbottom have a lot going for them. They are quite well-heeled and well to do, the schools are good, and the motorway network is nearby, meaning that for work, both the M60, M62 and M65 motorways are easily accessible. Drive time into the centre of Manchester is around 40 minutes, which makes all these areas good commuting locations.

Also there's quite a bit of decent countryside around too, the area of Ramsbottom (just along from Tottington) is mainly greenbelt so if you travel out this far in your home buying investigations, you can expect to see hills, farms, fields and open countryside.

There are some new build houses going up throughout the area of Bury, but also some brownfield developments. Be sure to look at some other posts in this blog for further information.

Shopping for a domestic house for the primary time has to be one of lifestyles’s maximum interesting but annoying milestones. One of the most difficult things is to get a decent mortgage broker to help you.

On the only hand you’ll be able to decorate and make the location your personal however then again, you could discover your self feeling beaten with office work and housing jargon.

And with such a lot of charges to recollect from solicitor prices to stamp duty responsibility, the house buying manner can of course be high priced too. that is in which we come in. We’ll evaluate all the loan offers on the market to discover the one that satisfactory suits your monetary state of affairs. We’ll highlight the most fee-effective merchandise earlier than letting your decide which one is proper for you.

Getting a mortgage loan with a low credit score rating

In case you’re involved approximately your credit score score, we’ll assist you become aware of the creditors maximum probably to provide you with the loan you need. We’ll take a very good study your price range before ruling out the loan providers with strict and inflexible lending criteria. With our help, there’s no want to ship off endless programs or threat being grew to become away. We’ll help you store money and time on your house shopping for journey.

Getting a house mortgage when you’re self employed

Acquiring a mortgage whilst you’re self employed may be a undertaking. thanks to unpredictable charge terms and earnings fluctuations, some creditors are reluctant to offer mortgages to self employed humans. but, there’s no need to surrender your homeownership desires simply yet. With a healthy deposit, a relaxed credit score rating and evidence you could control repayments, an knowledge lender can be inclined to offer you with the mortgage you need.

We assist you to perceive the bendy loan companies inclined to consider you utility. not most effective can we highlight those most probably to lend, we’ll additionally assist you discover a outstanding deal and prevent money inside the procedure.

We’ll discover the proper deal for you In relation to finding the proper mortgage deal for you, it’s wise to familiarise yourself with the exceptional loan types earlier than you make a decision. From tracker mortgages to products imparting generous cashback offers, there’s plenty to take in. fortuitously, we’re here to help!

Through ditching the jargon and explaining each loan kind in easy phrases, we’ll help you discover the nice merchandise in your circumstances while pushing the relaxation aside. Those most likely to lend, we’ll also help you find a great deal and save you money in the process.

We’ll find the right deal for you When it comes to finding the right mortgage deal for you, it’s wise to familiarise yourself with the different mortgage types before making a decision. From tracker mortgages to products offering generous cashback deals, there’s a lot to take in. Thankfully, we’re here to help!

By ditching the jargon and explaining each mortgage type in simple terms, we’ll help you identify the best products for your circumstances while pushing the rest aside.

I've recently been working closely with Alan Dee, a mortgage broker from Wythenshawe, whose company, 'Manchester Mortgages' arrange a lot of mortgage deals for house buyers not only in Wythenshawe but also the more expensive surrounding areas of Cheadle and Gatley (see http://manchestermortgages.co.uk/wythenshawe-mortgage-broker-advisor/ for more).

In a recent Manchester Evening News article (http://www.manchestereveningnews.co.uk/news/greater-manchester-news/wythenshawe-the-new-didsbury-house-9419435), Wythenshawe was termed the new Didsbury - a rather posh and Bohemian area of Manchester.

I met with Alan for a coffee in Wythenshawe's busy town centre and discussed the apparent housing boom that was going on all around us.

"It's only a few years ago that nobody wanted anything to do with Wythenshawe" said Alan, "there were lot's of empty homes and the area had a very bad reputation". Recently though this has changed and I asked Alan why he thought this was. "It has a lot to do with the development of Manchester Airport, which is only a couple of miles away. This has bought a huge amount of new business to the area, and that good because house prices in Wythenshawe are still affordable, whilst many other  areas such as Cheadle and Gatley aren't. Also, there's been a lot of redevelopment of the Wythenshawe as a whole - many of the older properties that were is disrepair have been pulled down and whole areas have been redeveloped. This had attracted many new people into the area - it's a great place for first time buyers and buy to let housing."

I went on to ask Alan how difficult it was to get a mortgage in Wythenshawe? "It depends who you go to" he offered. "The high street lenders like the banks will still make you jump through hoops and then it'll take several months to even get the mortgage application process up and running. With an independent or 'whole of market' mortgage broker like Manchester Mortgages, we can give people the best deals available from all the lenders and usually get a mortgage offer out to people within a week".

Was it difficult using a mortgage advisor like Manchester Mortgages I asked Alan? "No, it's not hard at all, we do all the paperwork and fill in the application forms. Also as we have so much experience in providing mortgages we can advise people on the best type of deals and even tailor deals specifically to suit them. A big area for us is getting mortgages for people with bad credit ratings. Many banks and high street lenders won't touch people with a large amount of debt, we do, and we often find them mortgages too" said Alan.

After our coffee I took a walk around Wythenshawe a noticed that it really is an up and coming area - full of potential and promise for the future.