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Debt Consolidation Mortgages Manchester

Search Mortgage Solutions

Our Manchester Debt Consolidation Mortgages will help you get the best mortgage deal available and we won’t charge a fee for our services

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First Time Buyer

Moving Home

Remortgages

Buy To Let

Debt Consolidation

Bad Credit Mortgages

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Debt Consolidation Mortgage Manchester

Financial situations can deteriorate for everyone from time to time for very many reasons. For some people the answer may be to take out a loan or open a new credit card to help pay off their debts but often these can only be arranged with high interest charges. Search Mortgage Solutions, Manchester’s leading debt consolidation remortgage, mortgage brokers, are happy to offer help and advice for those having the inconvenience and worry of persistent debt problems. Most people would find it difficult to find a lender that will accept their mortgage application if there are significant debts to be taken into consideration.

This is where our Manchester and north west debt consolidation mortgage advisors can help by discussing with you your own personal circumstances, income, employment, credit commitments, and residential history, so that we can advise you which lender is likely to accept your application at the best combination of interest rate, fees, and early repayment charges.

Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.

Our Customers

Have a lot to say about us

Will Slegg

09:47 27 Jul 21

As a self employed person, I am always aware of additional difficulties in finding the right mortgage for me and my partner. Add to the mix a national pandemic and banks either reluctant or nervous to lend, and I was faced with quite a challenge to find the right mortgage. Luckily we had used Search Mortgage Solutions before so had no hesitation in their ability to help us find the right product. David helped us with quite a lengthy process in which a property purchase fell through resulting in an extended search and subsequent need for a new product. David took much of the stress out of an otherwise stressful situation and we could not be happier. Fully recommend!

Matt Brown

09:16 11 May 21

We dealt with David after struggling to get accepted by banks ourselves, within 2 weeks we had been accepted and are now a few weeks away from moving into our first home. He was very helpful, quick and responsive and I would highly recommend their services. Will definitely use again in future.

Ed Pollard

19:06 12 Dec 20

I have used David and his team at Search Mortgage Solutions on a number of occasions and every time, his availability, advice and knowledge have been absolutely invaluable in helping with our mortgages. This has included some tricky, urgent issues to help us secure the house we wanted. The only thing that will stop me using David is when he retires! Thank you David for all your help over the years.

Nick Ventolini

13:29 30 Sep 20

David regularly proposes the most convenient deal and solution in the best of your interest. Professional and trustworthy, highly recommended.

1st Wootton Beavers

11:37 30 Jul 20

David was really easy to deal with, I swear he works ever hour under the sun! great service and thank you for sorting out my minefield of a mortgage (well, it felt like that to me, but you made it simple!) Will be using you next time i buy a house for sure :)

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Looking for a top class mortgage broker?

How do you pick a good one? By checking their Reviews and Testimonials page to see how earlier clients have rated them. We offer our testimonials for scrutiny by our industry regulators to verify that they are genuine.

You gave good guidance throughout, identified the best mortgage products for us and made the whole process simple. We will certainly have no hesitation in recommending Search Mortgage Solutions to our friends and family..

Diane & John
Your help was excellent. I would use your services again..

Abdul
They are right when they say buying a house is the most stressful thing you can do. When we didn’t know what to do, we were advised to contact David and his team. From the first conversation, I knew we were in good hands and were speaking to someone who understood us and what we needed. I am so grateful for the help and advice we received from David and everyone at Search Mortgage Solutions. My advice to anyone looking for a mortgage would be, don’t go to the banks, go straight to a mortgage broker, go to Search Mortgage Solutions. You will receive a far better service. Thank you for helping us..

Kat & Salvatore
I would like to say that I am very happy with the Mortgage David Sharples arranged for me and have told friends and family moving home to contact Search Mortgage Solutions. I must say it was the least stressful part of the whole moving process thanks to David..

Marian
Search Mortgage Solutions took a quick understanding of our circumstances, very clear advice, always available and helpful, gave clear information and well organised, very professional and we would recommend them to friends and colleagues..

Mourad
I found Search Mortgage Solutions really helpful in getting me the mortgage I wanted. They got me a good deal, gave comprehensive advice, were easily contactable, I would definitely recommend Search Mortgage Solutions to others..

Richard
Search mortgage solutions provided an excellent service for me. David was very contactable through phone and e-mail and would reply very rapidly to any correspondence which was much appreciated. Would highly recommend..

Neil
I just wanted to say a big thank you to David for all his help in arranging my mortgage. He was always available to talk and took the time to answer any queries I had. He gave me really good advice and helped me find the perfect mortgage. I would absolutely and wholeheartedly recommend him to my friends and will be seeking his advice again when I look to re-mortgage/move home..

Lucy
We’ve been very impressed with the service provided by Search Mortgage Solutions and the ease with which they’ve found the right mortgage for us. The whole process was clearly explained and we’ve been kept informed every step of the way. We’d like to thank David and the team for their advice and friendly service. We will definitely be recommending you to family & friends and look forward to dealing with you again!.

Nick & Ashley

Read all Testimonials

No Fee

Fee Free Debt Consolidation Mortgage Advice Manchester

The best starting point to get things moving along for you is to talk through your financial situation with one of our specialist advisors. Over the years we have built up an enviable reputation for advising our clients through good times and bad. Once we have had an in depth discussion we will recommend the best route available to move forward. We really hope to have a chance to help you to satisfactorily consolidate your debt. An informal discussion with one of our debt consolidation remortgage specialist advisors will cost you nothing and could prove to be the best move you could have ever made. Even if you have been turned down by other lenders we will still make every possible effort to find a suitable lender for your situation.

Free Mortgage Consultation

Borrowing on your property to tackle other financial concerns is not at all unusual. Here at Search Mortgage Solutions, we endeavour to get the best deals to suit individual circumstances. We take great care to fully explain the financial process that you are entering into. We also clearly point out the downside to debt consolidation so that you are made fully aware of any negative effects to your personal circumstances in the longer term.

One of the main benefits of a debt consolidation mortgage is that it can significantly decrease the interest rate you will pay which in turn will lower your overall monthly payment amount. It simplifies the debts into one monthly commitment rather than various payments being scheduled for different days of the month.

The FCA do not regulate buy to let mortgages.

Helping You

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.

0800 756 7794

FAQ’s

Debt Consolidation Mortgages Frequently Asked Questions

What credit score do you need for a mortgage?

When you make a mortgage application, the lender works out a credit score. This helps them decide if they think you are a risk worth taking. Are you going to be a reliable and responsible borrower and will repay the new proposed mortgage debt? Generally, a higher score means you are seen as a lower risk. The more points you score the more chance you have of being accepted and obtaining a better rate.

Looking at your credit report will give the lender an insight into your credit history and will show how much you owe on credit cards, if you’re registered to vote, and if you’ve missed payments in the past. They will put that all together and give you a credit score of their own.

All lenders don’t think the same way, they may have different ways of making their lending decisions. But all of them will look at some key factors to help them decide. These include:

information on your on your credit reportincluding your credit history and public record data (e.g. County Court Judgements and Individual Voluntary Arrangements)
information you’ve given to them on your application form.
information they may already hold on you, for example if you have a bank account with them.
their own lending policy, which may be different from those of other lenders.

The exact score you’ll need varies from lender to lender as their attitudes to risk can vary. Consequently some will require higher scores than others.

Below are some useful links for you to obtain your credit profile.

https://www.experian.co.uk/

https://www.equifax.co.uk/

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