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:
How We Work
We make getting a mortgage as smooth as possible with our structured process:
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.
Whatever stage you’re at right now in the moving process, our staff are always on hand for a free, no obligation chat that takes an in-depth look at your personal circumstances, so you’re not just getting the generic advice of what some mortgage brokers will offer.
At Bell Financial Solutions, we take the stress out of finding a mortgage by searching through all of the trusted High Street lenders along with exclusive deals you won’t find on your own, but we’ll only ever suggest options we’re confident you’ll get approved for.
Our Mortgage Services
As leading mortgage finance brokers, 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 types, including:
🚚 Moving House
🏘️ Buy to Let
🏙️ Mortgage on High Rise Flats
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?
Am I too old to get a mortgage?
In most cases, the answer is no. Many lenders will offer mortgages up to the age of 75, provided you can demonstrate affordability and are still working. Lenders will assess factors such as your age, the term of the mortgage, and how much you wish to borrow. For personalised advice, speak to us with your specific details—we’re here to help.
Can I get a mortgage if I’m self-employed?
Yes, self-employed buyers can get mortgages, but you’ll typically need to provide at least 1-2 years of accounts or tax returns to prove your income.
Can you help if I’m a first-time buyer?
Yes! We specialise in helping first-time buyers navigate the mortgage process. We’ll guide you step-by-step, from understanding your options to securing the best deal for your situation. We aim to make your first home purchase as smooth and stress-free as possible.
Do you charge for mortgage advice?
We offer a free initial consultation to discuss your mortgage needs and provide expert advice. If you choose to proceed with our services, any potential fees will be clearly explained to you upfront, ensuring transparency throughout the process.
Can I pay off my mortgage early?
Yes, many mortgages allow early repayment, but depending on your mortgage terms, you may incur early repayment charges. Check with your lender for details.
How do I get started?
Getting started with us here at Bell Financial Solutions Urmston is easy and simple. We have a team operating several methods of communication so please feel free to choose whichever one is most convenient for you. You can call us on 0161 791 4757, you can email us using the on our website, or you can message us on all major social media channels. We look forward to hearing from you.
Is it quicker to get a mortgage through a broker?
The short answer to this question is yes, it’s quicker to get a mortgage through a broker. This is because brokers in general have whole market knowledge, which leads to finding a lender quicker due to all the connections they have in the space. Not only that, but they can help with all the communication and complex paperwork with lenders and other parties involved, along with much more.
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%).
We’re all ears.
Let’s have a chat about what you need and how we can help.
