Mortgage Brokers Manchester

Our Mortgage Services

As leading mortgage finance brokers, we specialise in solutions for all financial situations, including those with complex income structures or adverse credit histories. We provide expert mortgage advice across a range of mortgage types:

First-Time Buyer Mortgages

Buying your first home can be exciting and overwhelming all at the same time, and our mortgage brokers in Manchester guide you every step of the way. We take the stress out of the mortgage process by providing clear advice and support, ensuring you understand all your options.

We’ll help you find first-time buyer mortgage deals with:

• Low deposit options – Secure a mortgage with no deposit with renting experience, as little as £5k or a 5% deposit.
• Government-backed schemes – Take advantage of initiatives like Help to Buy, Shared Ownership, and First Homes.
• Competitive fixed and variable rate mortgages – We help you choose between fixed-rate stability or the flexibility of a variable-rate mortgage based on your financial needs.
• Support with affordability assessments – We ensure you meet lender criteria and understand your borrowing capacity.

Remortgaging

Want to reduce your monthly payments or release equity? Our remortgage specialists help you take control of your finances by finding a deal that better suits your needs. Whether your fixed term is ending or you want to switch to a better rate, we can assist you every step of the way.

We help you:

• Find better interest rates – Compare deals from leading lenders to reduce monthly payments.
• Consolidate debts – Use a remortgage to combine debts into one manageable repayment.
• Secure additional funds – Release equity to finance home improvements, investments, or other personal projects.
• Switch lenders with ease – We manage the transition to ensure a seamless process with minimal disruption.

Buy-to-Let Mortgages

Investing in Manchester’s booming rental market? Whether you're purchasing your first investment property or expanding your portfolio, we help landlords secure the right mortgage.

We offer:

• Mortgage options for individuals and limited companies – Choose the structure that suits your tax and investment strategy.
• Interest-only and repayment mortgage products – We help you assess the best repayment method for your long-term goals.
• Specialist deals for HMOs and student lets – Secure financing for high-yield rental properties.
• Lender options for new and experienced landlords– Whether you're just starting or managing multiple properties, we connect you with lenders that fit your needs.

Self-Employed Mortgages

Struggling to secure a mortgage as a freelancer, contractor, or business owner? Traditional lenders often struggle to assess self-employed income, but we work with lenders who specialise in flexible income structures.

We offer:

• Mortgages based on retained profits or dividend income – Tailored solutions for company directors.
• Flexible income assessments – We help sole traders and limited company directors present their income effectively to lenders.
• Competitive rates for self-employed applicants – Access mortgage products designed specifically for business owners.
• Support with documentation – We guide you through the paperwork, from tax returns to business accounts, to ensure a smooth application process.

Bad Credit Mortgages

A poor credit history doesn’t have to stop you from securing a mortgage. We specialise in finding solutions for those with financial challenges, helping you rebuild your future through responsible lending.

We help those with:

• CCJs, IVAs, or previous bankruptcies – Find lenders who understand past financial difficulties.
• Missed payments or defaults – Access specialist mortgage products designed for borrowers with imperfect credit.
• Low credit scores – Explore lending options that consider more than just your credit report.
• Higher deposit requirements – We advise on the deposit amount needed to access the best possible rates.

With access to specialist lenders, we help you secure the right mortgage despite past financial challenges, guiding you toward financial stability.

Specialist Mortgage Challenges in Manchester

Manchester’s vibrant property market comes with its own set of challenges, and we’re here to help you understand them. As local mortgage specialists, we’ve supported  clients facing complex scenarios specific to  Manchester and the surrounding areas. 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 quirky 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. We help secure finance with short turnaround times, giving you the confidence to bid.

🧾 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. Whether you're a contractor in MediaCity, a self-employed designer in the Northern Quarter, or running your own business, we can help you secure a mortgage that reflects your true income – not just your payslip.

‍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