Mortgage Broker Advice - Manchester

I'm a final year student at Manchester University [http://www.manchester.ac.uk/] and I've secured a job in Greater Manchester around the M60 motorway. As I'm a big fan of the city I'd like to start the wheels in motion for buying a house in Manchester but I've found that it's not so easy to get a mortgage. At least not from the likes of HSBC or Halifax. I therefore am considering using a mortgage broker to get the the mortgage deal I want. Has anyone had any experience of mortgage brokers in Manchester?

My wife and I have a combined yearly income of £63,000 and we are looking to get a mortgage so we can buy a house in Urmston, Manchester. Urmston is our first choice but if nothing is available we would consider living further afield in places like Flixton, Stretford or Sale. We have a small deposit of £10,000 and have seen a house on the Urmston / Sale border (a place called Carrington). I have been recommended using Manchester Mortgages as a mortgage lender and wonder if they are also mortgage brokers? Is a lender and a broker the same thing when it comes to mortgages?

Both enquiries are excellent material for successfully getting a mortgage in Manchester - one of the most sort after places in the North of England, and with good road and rail links. Ideally you should look for a broker who can select from the whole of the market rather than being tied to just one lender. A great example is Manchester Mortgages (Facebook: https://www.facebook.com/manchestermortgages/) who post regularly about clients they have managed to get mortgages approved for and seem be to a friendly bunch according to what people say about them anyway.

Buying a house in Manchester

Shopping for a house Manchester, mainly for the first time can be daunting. The decisions you make alongside the manner could prevent – or cost you - many hundreds of pounds. Here’s our step by step guide to buying a home 1. Determine if buying a house is right for you Although 86% of people within the uk want to own their own home, it’s no longer constantly right for every body all the time – some people turn out to be with big regrets. See is buying proper for me? There are a number of things you want to think about before putting off on your home looking quest – no longer least whether or not you can truly come up with the money for it. See am i able to have the funds for to buy a house? In Manchester, there are several areas you can choose where you'd like to live. Popular residential areas include towns such as Bury, Oldham, Whitefield and Prestwich in Northern Manchester. In the south of Manchester you may like to look at places like Sale, Didsbury and Wytehnshawe. 2. Determine in case you ought to sell your house first In case you are already a home owner in Manchester, determine whether or not you need to promote your house or flat earlier than you buy. it may be risky in a rising marketplace, but there are upsides. especially, you may be able to pounce speedy when you do discover the house of your goals, and also you gained’t be trapped in a housing chain 3. Decide for your price range How a whole lot do you want to spend? This is probably dependent on how a great deal of a deposit you can get collectively. See How lots can i have enough money? Don’t forget about the style of one-off and ongoing hidden prices of purchasing a Manchester home. those can put a further 15% at the price of your house – extra in case you are doing serious constructing or redecoration work. See The hidden charges of purchasing and owning a belongings

Buying Flats in Manchester

Manchester net hosting corporation UKFast has announced adjustments at the top as it embarks on the next stage of its growth plans. Buying a prestigious building in the centre of Manchester with flats for accommodation is also high on the radar screen according to independent mortgage broker John Simpson of Mortgage Broker Advice.

The contemporary changes sees the commercial enterprise formally cut up into two hands with present day MD Jonathan Bowers making a lateral pass to move up the company’s speedy-developing employer division, while co-founder Gail Jones takes at the role of managing director to facilitate.

UKFast company has grown hastily and already bills for 43 in keeping with cent of UKFast’s turnover from simply four in line with cent of the purchaser base.

Jonathan Bowers, stated: “inside the past five years we've seen the enterprise move from power to strength. To retain this momentum, we've remortgaged and we’re taking the interesting step of splitting into elements, to make certain that the clients of both regions get the care and interest they require.”

Lawrence Jones, CEO of UKFast, says: “For the remaining six months we had been recruiting for an MD for enterprise and we’ve visible over 200 candidates, none of whom I felt have been as properly positioned as Jonathan to take company department forward. He knows our customers fantastically properly and is aware our tradition higher than all and sundry.

“UKFast continues to grow regardless of pressure from AWS and Azure, and with the business enterprise facet of the commercial enterprise liable for 43%, I realised the perfect state of affairs could be for Jonathan to take employer and Gail to take the position of managing Director of UKFast.”

Gail Jones says: “throughout all our agencies we’ve grown to more than the £50m turnover mark and i'm excited to tackle one of these manufacturers to ensure our clients get exactly what they need, whilst pushing the business to the subsequent degree.”

“She founded the commercial mortgage enterprise with me in 1999 and has been with me every unmarried day when you consider that. She has all the trends that I value in a pacesetter; she is affected person, enormously clever and he or she’s a notable listener. I understand that with Gail alongside Jonathan on the helm the two of them will make a powerful crew.”

Levenshulme mortgage - Manchester

Attending to paintings is the bane of most of the people’s lives. So where ought to you live if you paintings in Manchester metropolis centre and also you need to journey less than 20 minutes from your private home on your office?

Levenshulme
Way to its bustling marketplace and developing cafe/bar culture this South Manchester suburb is drawing increasingly more people in - and retaining them there.

There are bars, restaurants and parks. people tour far and extensive to discover Levenshulme marketplace - on each Saturday and 1/3 Friday of the month.

Neil Fletcher, from Kaye MacKenzie property sellers, said: “There’s pretty some things occurring. one in all the biggest modifications is the market, which is crazy and definitely nicely prepare - like all of them are nowadays.

“It’s an interesting time for Levenshulme.”

Trip time?
Educate: It takes simply six mins to get to Piccadilly educate Station, that is the fastest trip of the lot.

Vehicle: driving may be a piece of a warfare inside the morning rush but heading to upper Brook avenue through Plymouth Grove and Stockport road, you could be at your nearest vehicle park in 9 minutes - on a good day.

Bus: each the 192 and X92 take simply 18 minutes to get to the town centre.

Cycle: Heading down Stockport road then - depending how speedy you cycle, that is - you could be at Piccadilly Gardens in just 18 mins.

House fees?
Regardless of the growing reputation the common house in Levenshulme will set you lower back £a hundred thirty,488 - a rise of nearly £2,000 on the preceding yr.

Large families trying to pass to the hip South Manchester suburb can find a semi-indifferent house for £154,524 on average.

There are an abundance of conventional terraced houses for around £120,000.

What do they are saying?

Resident Pauline Johnston, 34, a PR consultant, said: “you can’t help however sense linked to the city of Manchester via being six minutes on a teach. The 192 is each 5 mins too.

“It doesn’t have the constraints of quite a few different suburbs nearby, the dearth of chains on the high street make for innovative agencies and pop ups.”


Manchester Housing News - Part 2

A second option, understood to have been favoured by Mr Burnham, would put the consultation back until early next year.

That raised questions among leaders over the impact on the local elections next May, however, while some councils - including Oldham and Stockport - could need longer than others to revisit their own particularly controversial proposals.

As a result a third, even longer delay, putting back consultation until next June, is also on the table.

That would mean no final draft would be published until at least December 2018 - and nothing formally adopted until Spring 2020.

Sources close to Mr Burnham said no decision had been reached on the timetable following Friday’s meeting, but stressed extra time was needed to get it right.

Last year’s consultation on the first draft drew 25,000 responses, huge numbers of which opposed building on the green belt. There was also considerable criticism of the plan’s methodology.

Mr Burnham’s office also believes the first version paid too little attention to building high-density housing in town centres, although attracting developers to those areas - where there is currently little investor interest - is not expected to be straightforward.

He believes the plan does not dovetail clearly enough with the region’s long-term visions for transport and affordable housing.

Delaying the plan in order to meet the mayor’s promises will raise questions over why last year’s consultation, which cost at least £80,000, was not put off until after he was elected.
[with thanks to https://www.facebook.com/manchestermortgages/]


Meanwhile - in signs of emerging tensions following the mayoral election - it is understood around half the region’s council bosses do not want to see the plan delayed, particularly those confident in their existing proposals. More than one senior insider suggested Mr Burnham had underestimated the level of work needed to fully re-think and re-write the plan, as pledged in his manifesto. One warned the absence of such a masterplan would harm investor confidence, particularly in the wake of Brexit, since developers and businesses would not know where they stood. The idea of delaying until 2020 was ‘ridiculous’, they added. A second said it was causing ‘frustration’ since ‘the timetable already existed’, adding: “Andy was fully briefed on this plan as an MP but he didn’t understand until now what he would have to deliver.” Individual councils are now carrying out an initial review of their own parts of the draft masterplan, which originally included development on green belt in every part of the region. That includes looking at land not currently included in green belt that could be re-designated in order to make up for losses elsewhere. (source: http://www.manchestereveningnews.co.uk/news/greater-manchester-news/greater-manchesters-controversial-housing-masterplan-13288112)

Manchester Housing News - Part 1

A rift has emerged among town hall chiefs and new mayor Andy Burnham over how quickly to plough ahead with the Greater Manchester Spatial Framework (GMSF)

Greater Manchester’s controversial 20-year development masterplan could be delayed by well over a year so council bosses can go back to the drawing board.

A rift has emerged among town hall chiefs and new mayor Andy Burnham over how quickly to plough ahead with the Greater Manchester Spatial Framework (GMSF).

Officials are eyeing up a major rewrite fallowing of Mr Burnham’s manifesto pledges and public concern over green belt.

One option now under discussion is to aim for it to come into force in Spring 2020, considerably later than the December 2018 date originally intended.

But some council bosses are opposed to the delay, believing it will harm investor confidence in the region.

The GMSF - the region’s long term development blueprint - caused a storm when it was unveiled in draft form last year due to the dozens of greenfield and green belt sites earmarked for new housing and businesses.

Council chiefs now believe it was not clear enough in its vision, while also accepting some green sites will need to be removed due to public opposition.

(source: http://www.manchestereveningnews.co.uk/news/greater-manchester-news/greater-manchesters-controversial-housing-masterplan-13288112) A private meeting of combined authority leaders last week saw three new potential timetables put forward for the plan so it can be rewritten. One option would involve consulting on a new draft this autumn, a couple of months later than originally planned, before submitting to government a year later in the hope of adopting it in September 2019.

New Housing Development - Ramsbottom

Attention all people looking for a home in a really good area - there's a new housing development being built in Stubbins, Ramsbottom.

The developer is Eccleston Homes and details of the development are up at http://www.ecclestonhomes.co.uk/developments/chatterton-place/.

The development, off of Bolton Road North, Ramsbottom has the BL0 0NB postcode which puts it right in the middle of one of the most affluent and up and coming areas of Lancashire. Situated on the Lancashire / Greater Manchester boarder it has excellent motorway links, local shops and good schools.

As yet I have no details of how much the housing is going to cost but if you bookmark the above site and check back often you should soon learn more details.

If you are interested in buying one of these houses or a similar one in the Ramsbottom / Stubbins area you should also consider the areas of Holcombe, Helmshore and Edenfield. These are 3 villages with quaint charm that have a lot going for them.

If you need a mortgage, then get in touch, there are many excellent mortgage brokers in Manchester who will be able to help you.

Wigan and Bury Mortgage Brokers, Manchester and Lancashire

Here's a question that recently came into us. The person is looking for mortgage brokers who can secure them a deal in either the Wigan or Bury areas of Greater Manchester / Lancashire.

I'm looking to get a mortgage and wonder if you can help me? I'm wanting to move into the Manchester area - perhaps around Bury or Wigan. I'm a first time buyer and am looking for a mortgage of about £120,000. I have a deposit of £45,000 and wonder if this will be enough?

I've tried some high street lenders such as HSBC and RBS but there's a ridiculous waiting list of several months. I've seen the house I'd like to buy and I need a decision on whether I can get a mortgage or not - I can't wait for HSBC or RBS - they take too long. Hopefully you can help me find a mortgage? I was recommended to you by a friend who also lives in Manchester.

I'd probably prefer to live in the Wigan area rather than Bury and have found some 3 bedroom houses in the Haigh, Aspull and Tyldesley areas. The prices are above £150 so it's a bit of a stretch but I reckon I should be able to find myself a mortgage broker who can sort me out with a good deal.

I've been reading your blog and noticed that in one post you mentioned Manchester Mortgages. I found a general Manchester portal of mortgage brokers too at http://www.manchester.com/money/mortgage_brokers_advisors.php so I will try the phone numbers on there and look at the web site.

In the meantime if you can get back to me with what criteria you need to find me a mortgage in the Wigan or Bury areas that would be great!

Levenshulme and West Didsbury Mortgages

Levenshulme and West Didsbury and up and coming areas of Manchester where the demand for property is high and mortgage approvals are at an all time high. Manchester mortgage brokers like Manchester Mortgages are getting mortgage approvals for many types of customer weekly. Levenshulme is set 4 miles south of the metropolis centre on Stockport street, a main route to the south of Manchester.

Residing in Levenshulme Levenshulme is a vibrant vicinity with a good blend of housing and numerous groups.

There is an amazing variety of neighborhood stores, eating places, antiques stores and offerings alongside busy Stockport street, and a huge Asda grocery store in close by Longsight.

Public shipping is superb, with regular buses along Stockport street to the colourful city centre, with its employment, leisure and amusement centers. There are ordinary trains to Manchester and Stockport from Levenshulme station.

Cringle Fields and Crowcroft park at either cease of the place provide inexperienced space and lesiure centers. houses to rent in Levenshulme

There are round 1,100 houses rented out via not-for-profit landlords like housing institutions and housing trusts. Getting a mortgage is easier if you use a broker.

West Didsbury
West Didsbury is ready 4 miles south of the town centre, on the east facet of Princess street, a prime path into the metropolis from the M56 and the toll road network. living in West Didsbury

It's just over a mile to the wide type of shops, banks, post places of work, bars and restaurants in Chorlton or Didsbury.Mortgage arrangers Manchester Mortgages have an office here.

There are extra neighborhood offerings in Northenden a pleasing mile walk away across one of the neighborhood golfing courses.

There are very common buses alongside Barlow Moor road to Didsbury and Chorlton, the town centre and the university, and masses of buses along Princess street to the city centre and to Wythenshawe and the airport. houses to lease in West Didsbury

There are round 180 homes rented out via no longer-for-earnings landlords like housing institutions and housing trusts.

Struggling to get a mortgage?

If you are finding it difficult to get a mortgage, you can either struggle a lot or a little. Most of us would prefer the least amount of effort and tips available on http://www.moneysavingexpert.com/mortgages/boost-mortgage-chances provide some good advice on active steps you can take if you are finding it difficult to get a mortgage.

But, and there is a big but, there are other avenues open to you that sites like Money Saving Expert would prefer not to tell you about. These sites are mortgage brokers and advisors who are independent or 'whole of market' as the latest ludicrous phrase from the FCA comes into use.

Using this blog post as a case study, it can be easily demonstrated that independent mortgage brokers are far better placed to find suitable and competitive mortgages for all types of home buyer. Wythenshawe - part of Greater Manchester that includes the airport is an area of huge economic growth and has a very active housing market. If you were to approach a bank or building society to lend you the money to buy a property you would be letting yourself in for paying higher rates and getting a much worse deal than you would if you were to use one of the independent brokers.