First-Time Buyer Mortgages in Manchester
If you’re a first-time buyer in Manchester looking for a mortgage, Search Mortgage Solutions can help you navigate the complexities, making it easy to understand and offering the most suitable mortgage deals from the whole market.
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Fee-free mortgage advice means a whole lot more for a whole lot less
Are you a first-time buyer in Manchester? The rising cost of renting has made property ownership more appealing. But navigating the complex world of mortgages can be overwhelming. At Search Mortgage Solutions, we’re here to simplify the process.
Our Manchester-based mortgage broker will assess your eligibility and situation, guiding you through various schemes like shared equity, affordability, and credit profiles. We’ll help you understand confusing terms like lending criteria, fixed rates, and trackers. From the initial consultation to mortgage completion, we’ve got you covered. Whether you’re buying alone, with a partner, or facing a complex mortgage situation, our experienced Manchester mortgage broker will recommend the right deals. In principle, we can arrange an agreement, ensuring you’re ready to proceed when you find your dream property. While the internet provides plenty of mortgage information, navigating it without expert advice can be daunting and risky. Let us make your first-time buyer journey smoother and more secure.
100% Fee-Free Advice
Getting a first-time mortgage in Manchester
We hope that you will choose to contact Search Mortgage Solutions so that we can explain in detail all the options available to you and which lender will be the right one based on your circumstances and objectives. We would be delighted to be given the opportunity to explain the whole mortgage and house buying process to you in an easy to understand way and then to proceed to an application only if you are comfortable to do so.
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0161 710 2587
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Advice For First Time Buyers Manchester
The steady increase in the cost of renting accommodation over recent years is attracting many people to consider purchasing a property for the first time. For first time buyers, mortgage hunting can be stressful and confusing particularly with the stringent requirements of the lenders nowadays.
With Search Mortgage Solutions you will talk to a mortgage expert who can review your eligibility for the many different schemes designed to help you with the first difficult step to becoming a home owner. Terminology such as shared equity, affordability, credit profile, lending criteria, fixed rates, trackers, etc, are confusing for most first time buyers and professional help is strongly advisable.
Undoubtedly, the internet is a great source of information on all types of mortgages but to try to navigate through the myriad options without expert advice and assistance is really daunting and a potentially dangerous task.
We hope that you will choose to contact Search Mortgage Solutions so that we can explain in detail all the options available to you and which lender from the whole of the market will be right based on your circumstances and objectives.
We would be delighted to be given the opportunity to explain the whole mortgage and house buying process to you in an easy to understand way and then to proceed to an application only if you are comfortable to do so.
Unlike banks and building societies we are authorised to search the whole of the market on your behalf to ensure that you get the most suitable first time buyer mortgage to fit your specific needs according to your personal circumstances and eligibility.
Protection insurance is strongly recommended for your peace of mind. Please refer to our separate web page ‘Mortgage Protection Insurance’ which gives details of how we can help with this.
Finding the right mortgage providers for first time buyers in Manchester
Unlike banks and building societies we are available from 8.00 am till 10.00 pm, 7 days a week and can work around your busy schedules’ to arrange your new mortgage. We are a whole of market mortgage broker and work on your behalf to ensure that you get the most suitable first time buyer mortgage advice to fit your specific needs according to your personal circumstances and eligibility. Our Manchester mortgage adviser will provide you with clear , concise information throughout the mortgage application process and will also guide you through all the steps of buying a property right from the initial consultation , putting an offer in , advising all associated costs eg solicitor stamp duty etc to when the mortgage completes.
Mortgage deals for first time buyers Manchester
Search Mortgage Solutions and our Manchester Mortgage adviser can advise on a whole range of First time buyer mortgage Manchester based Scenarios
- First time buyer Mortgage Advice
- Help to buy mortgage advice for first time buyers (only available in Wales)
- Right to buy mortgage advice for first time buyers
- Self-employed mortgage advice for first time buyers
- Buy to let mortgage advice for first time buyers
- Let to buy mortgage advice for first time buyers
- Shared Ownership mortgage advice for first time buyers
- Shared Equity mortgage advice for first time buyers
- Had previous adverse Credit issues and looking for a first time buyer mortgage
Buy Your Dream Home
We offer our services to you at no cost, so why wait? Search Mortgage Solutions Mortgage brokers Manchester are here to help.
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Mortgage Advice
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We are here 24/7 providing customers with expert advice and solutions for their next mortgage, whether that’s for a New Home, remortgage or but to let.
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Of Mortgage Deals
We have access to the whole of the market of mortgage providers and because we don’t charge a fee, this can mean a savings for you of hundreds of pounds.
FAQs
Calculating how much you can borrow to buy a home will be based on your income / incomes. If you wish to apply for a mortgage, use our borrowing calculator on the website as this will give you a rough idea of how much a lender might offer you. This is based on how much you earn and whether you’re buying with anyone else. Mortgage lenders will decide how much you can borrow by basing income multipliers on your salary / salaries .Banks and building societies will offer between three and four-and-a-half times the annual income of you and anyone you are buying with. This means if you are buying on a single applicant basis and earn £30,000 a year, you could be offered anything between £90,000 and £135,000. There are exceptions to this, however, especially if you work in a certain profession and then income multipliers may be higher. Other factors will impact how much you can borrow as well. Lenders will want to know your monthly outgoings and how you spend your money to complete an affordability assessment. Loan repayments , student loans and credit card balances , Regular bills (e.g. gas and electricity) Transport costs Grocery costs Spending on leisure activities Recent bank statements may be needed and payslips to support your application.
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51 Customer Reviews
Excellent Service
Excellent service from David, he secured my remortgage deal 2 years ago and he is always very helpful. He went above and beyond to get the best deal for me for my current mortgage and is always there to reassure me and offer advice and the best deals to go with.
Nicholas Ward
Call Us On 0161 710 2587
Email Us At enquiry@searchmortgagesolutions.co.uk