Mortgage Adviser in Manchester

Manchester's property market moves quickly and has its own quirks. As an independent adviser I search 90+ lenders to find you the right deal, and I'll guide you through the issues that commonly trip up city buyers — particularly when it comes to flats and new builds.

Buying a flat in Manchester city centre

City-centre apartments in areas like Ancoats, the Northern Quarter, Castlefield and around Piccadilly are a popular first purchase and a popular investment. They also come with lending considerations you need to know about before you offer:

• Leasehold — lenders will look at the remaining lease length, the ground rent and the service charge.
• Building safety — some lenders ask for an EWS1 form or other fire-safety evidence on taller blocks.
• Size and height — some lenders have minimum floor areas for studios or limits on very high floors.
• New-build flats — loan-to-value limits can be lower than on houses.

Knowing which lenders are comfortable with a particular building can save you a wasted valuation fee and weeks of delay.

Buying a house in Manchester

Further out, suburbs such as Chorlton, Didsbury, Withington, Levenshulme and Burnage offer Victorian and Edwardian terraces and semis that are popular with families and young professionals. Competition can be fierce, so having an agreement in principle ready before you view puts you in a stronger position.

Mortgages I arrange in Manchester

• First-time buyers — including flats and new builds.
• Remortgages — rate switches and equity release.
• Buy-to-let — individual and limited company landlords, including city-centre investment flats.
• Home movers — moving within the city or out to the suburbs.

Book a no-obligation consultation. Talk to me by phone, video call or in person.