Mortgage Broker Manchester
Stress-Free, Award-Winning Mortgage Advice
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Expert mortgage advice in Manchester
Looking for the best mortgage deal in Manchester? Our team of expert mortgage brokers is here to simplify the process and help you get the most competitive mortgage rates. Whether you're a first-time buyer, remortgaging, purchasing a buy-to-let property, or in need of a specialist mortgage, we offer tailored advice to find the best solution for your circumstances.
At Bell Financial Solutions, we take pride in being one of Manchester's leading mortgage brokers. With years of industry experience and a commitment to customer satisfaction, we offer:
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Let’s have a chat about what you need and how we can help.
- Access to a wide range of lenders
- Expert guidance throughout the entire process
- Transaparent fees so there's no guessing when adding up the numbers
- A hassle-free service, because we want to take then stress away, not add any
How We Work
We make getting a mortgage as smooth as possible with our structured process:
- Initial Consultation - Where we sit back and listen to exactly what it is that you're looking for, no interrupting, just listening.
- Market Research - Based on everything you've told us, we can then go away and look at specific mortgage markets you're wanting to buy in.
- Application Assistance - Once we've both agreed on the home you want, we'll help you every step of the way through the mortgage application process.
- Ongoing Support - Just because the application is over, doesn't mean we move on. We help you until you don't need us anymore, simple as.
Try Our Free Mortgage Tools!
No matter where you are in your mortgage journey, our free tools make it easy to explore your options and plan your next steps.
🏷️ Mortgage Quote Tool – Get a personalised quote based on your circumstances.
📊 Mortgage Calculator – Estimate your monthly repayments with ease.
💸 Mortgage Overpayment Calculator – See how making extra payments could save you interest and reduce your term.
🏠 Stamp Duty Calculator – Work out how much Stamp Duty you’ll need to pay on your next property.
📄 Mortgage Capacity Reports – Essential for legal or financial proceedings, showing what you can realistically borrow.
🛍️ Mortgage Best Buys – Compare the latest mortgage deals from across the market in one place.
These tools are quick, easy to use, and completely free. Perfect for taking the guesswork out of your next step. If you’d like tailored advice, our expert mortgage advisors are only a call away.
We’re all ears.
Let’s have a chat about what you need and how we can help.
Why Choose Bell Financial Solutions?
Bell Financial Solutions are CeMAP-qualified mortgage brokers in Manchester that provide a wide range of services including re-mortgages, mortgage protection, first-time buyer mortgages, buy-to-let mortgages, and more. Whichever service you require, you can trust our trusted and professional advice/recommendations.
No matter where you are in Manchester or what situation you’re in, our team is here to support you through what can be a stressful time. No project is too big or small, and we’re proud to be rated 5 stars by our customers. We’re so grateful for the kind feedback we receive, because it motivates us every day to keep working hard for every customer of ours.
Speak With a Manchester Mortgage Advisor
As mortgage advisors in Manchester, we specialise in tailored solutions for all financial situations, including complex income structures and adverse credit histories. Our expert advice covers a wide range of mortgage services, including:
🏠 First Time Buyers - If you’ve saved your deposit for your new potential home but are still unsure where to look or who to speak to, our team are fortunate enough to help new first-time home buyers get on the property ladder with tailored advice. We make sure to listen to your situation, help give you guidance on what a realistic mortgage looks like for your dream home, and give support every step of the way until purchase.
🚚 Moving House - Moving home can be complicated, especially with the remortgage process, i.e., balancing the affordability and equity you already have. Yet, no matter whether you’re looking to downsize for your retirement years or upsize to raise a family, our mortgage brokers can give you structured and specific advice for your own situation for a home mover mortgage, finding the best deal on the market.
🏘️ Buy to Let - If you’re someone looking to buy your property to rent out to someone else and not live in the property yourself to make some extra income per month, Bell Financial Solutions are on hand to help you. Being a landlord or accidental landlord can come with many questions, and we’re always on hand to give you a hassle-free service.
🏙️ Mortgage on High Rise Flats - If you’re looking to buy a high rise flat, no matter whether it’s with someone else or on your own, we can help guide you through the challenging process. Getting a mortgage is typically harder on a block of high rise flats (or single flat), but with the right support, our mortgage brokers can help you in the Manchester area whenever you need it.
Areas We Cover in Manchester
Being located in the North East of Manchester City Centre ourselves, this makes it extremely easy to help people in the Manchester area, no matter where you’re located. Whether you’re in Ancoats, Salford Quays, Oldham, Bolton, Old Trafford, or just the Greater Manchester Area, and the list goes on; no matter where you are, we can help.
And remember, if you’re in the local area, or looking to move to Manchester from another part of the country, you can always call us on 0161 791 4757 for a quick chat.
Specialist Mortgage Challenges in Manchester
Manchester’s property market comes with its own set of challenges. As local mortgage specialists, we’ve supported clients facing complex scenarios specific to Manchester. Some of the most common specialist issues we see in Manchester include:
🏢 High-Rise Apartments & EWS1 Forms
Manchester city centre has a large number of high-rise apartment buildings. If you're buying in a block that requires an EWS1 form, especially those rated B2, getting a mortgage can be difficult. We work with specialist lenders who are comfortable lending on properties with cladding concerns or interim safety measures in place.
🔁 Doubling Ground Rents & RPI-Linked Leases
Leasehold properties across areas like Salford Quays and Ancoats often come with RPI-linked lease terms or doubling ground rents. We help you understand the risks, and work with lenders who assess these leases on a case-by-case basis.
🧱 Non-Standard Construction
From converted mills in Castlefield to period properties in Chorlton, Manchester is full of non-standard builds. Luckily, we know which lenders will consider these homes and how to present your case effectively.
🛠 Renovation & Auction Finance
Manchester’s property auctions are popular among first-time buyers and investors but fast completions and renovation needs mean you’ll often need a bridging loan or specialist mortgage.
🧾 Complex Income & Affordability
With a thriving freelance and contractor community in Manchester’s tech and creative industries, many buyers struggle to get approved by high-street banks. We can help you secure a mortgage that reflects your true income.
Contact Bell Financial Solutions Today
Ready to secure the best mortgage deal with one of the top mortgage brokers in Manchester? Get in touch today for free mortgage advice and let us help you find the perfect mortgage solution for your needs. Fill out our contact form or call us: 0161 791 4757
Still have questions?
How much does a mortgage broker cost in Manchester?
As for how much a mortgage broker in Manchester costs, this will depend on the pricing structure of the broker. Some charge a flat fee of mostly anywhere between £0 and £1000, or some brokers charge on a percentage fee of the mortgage value (usually between 0.3 and 1%).
What type of challenges come with getting mortgages in Manchester?
There are many challenges you can face when looking to get a mortgage in Manchester; from not having a big enough deposit, income that doesn't match the mortgage you want, credit history that the lender doesn't agree with, etc. This is why it's so important to speak to an expert first, doing your own due dilligence and getting a Mortgage in Principle (MIP) before submitting a mortgage application.
Where in Manchester do you cover?
With our branch being based in Manchester, our team can cover any area in Manchester. That means, no matter if you're in Deansgate, Ancoats, Spinningfields, and many more, we'll be able to help you, regardless of your situation! We also operate in Liverpool and all north west areas.
How does mortgage advice in Manchester work?
If you're coming to a mortgage advisor (like ourselves) in Manchester, advice works in a way where we're essentially your professional intermediary. We assess your financial situation, the mortgage market based on our specialist tools, handle all the paperwork, and give specific solutions to exactly what you want in your dream home. It should feel like we're taking a lot of the stress from the moving process away from you!
Will having an agreement in principle taken out affect my credit score?
As to whether an agreement in principle will affect your credit score if you take one out, most of the time, no, it won't in the majority of cases. This is because most of the time, lenders won't do a full credit check but rather a soft credit check. However, depending on the lender, this may differ, so if you're worried about this, we're always here to help in your personal situation.
Can I get a second mortgage in Manchester?
In short, yes, you can get a second mortgage in Manchester. However, the caveat is that you'll need to go through the whole mortgage buying process again so lenders can make sure you can afford to pay back two monthly repayments. If you're looking at mortgage options for this, it could be worth getting in touch with an expert to see if this is a good idea in your financial situation.
How much deposit do I need for a mortgage in Manchester?
I'm self employed in Manchester, can I get a mortgage?
Yes, you can get a mortgage if you're self employed, but it's definitely more complicated for those with guaranteed income from full time jobs. Oftentimes, lenders want at least two years of tax returns to confirm that your income is regular. There will also be assessments on your credit score, the structure/future of your business, you'll need a bigger deposit (in some cases), and many more. Certain brokers can help you with self-employed mortgages to give you the best chance of securing the house you want.
Why should I use a mortgage broker in Manchester?
Of course, it's not essential to have a mortgage broker, but they can help you speed up the process and make sure everything is correct and in the right places for your mortgage. They can help you secure the best mortage deals, check if you'll meet the lender's eligibility criteria, deal with unwanted paperwork, guidance at all times throughout every step, and so much more.
We’re all ears.
Let’s have a chat about what you need and how we can help.
