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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.

Search Mortgage Solutions Manchester

125 Deansgate, Manchester M3 2BY

5.0 27 reviews

Ed Pollard
a month ago
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
3 months ago
David regularly proposes the most convenient deal and solution in the best of your interest. Professional and trustworthy, highly recommended.
1st Wootton Beavers
5 months ago
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 :)

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.

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.

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Debt Consolidation Mortgages Frequently Asked Questions

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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Your home may be repossessed if you do not keep up repayments on your mortgage.