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Mortgage Advice For First Time Buyers in Manchester

The steady increase in the cost of renting accommodation over recent years is attracting many people to consider purchasing a property for the first time. For Manchester first time buyers, mortgage hunting and buying your first home can be stressful and confusing particularly with the stringent requirements of the lenders nowadays. With Search Mortgage Solutions, the Manchester based mortgage broker you are able talk to a Manchester mortgage expert who can fully review your eligibility and circumstances for the many different schemes designed to help you with the first difficult step to becoming a home owner.  Terminology such as shared equity, affordability, credit profile, lending criteria, fixed rates, trackers, etc, are confusing for many Manchester first time buyers and our  professional mortgage advisors are here to help .

We will help you all the way from Initial consultation to mortgage completion

Whether you are buying on your own, with a partner, relative or got a more complex mortgage situation then we can help. As an experienced Mortgage broker in Manchester we are here to recommend the right mortgage deals for first time buyers in Manchester. We at search mortgage solutions can arrange an agreement in principle which will provide you with the security of knowing that you are in a position to proceed once you have found the right property for you Undoubtedly, the internet is a great source of information on all types of mortgages but to try to navigate through the myriad options without expert mortgage advice and assistance is really daunting and a potentially dangerous task.

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 :)

Getting a first time mortgage Manchester

We hope that you will choose to contact Search Mortgage Solutions so that we can explain in detail all the options available to you and which lender from the whole of the market will be the right one based on your circumstances and objectives. We have exclusive 90-95% first time buyer mortgages to help you purchase your new home. We would be delighted to be given the opportunity to explain the whole mortgage and house buying process to you in an easy to understand way and then to proceed to an application only if you are comfortable to do so.

Advice For First Time Buyers Manchester

The steady increase in the cost of renting accommodation over recent years is attracting many people to consider purchasing a property for the first time. For first time buyers, mortgage hunting can be stressful and confusing particularly with the stringent requirements of the lenders nowadays.

With Search Mortgage Solutions you will talk to a mortgage expert who can review your eligibility for the many different schemes designed to help you with the first difficult step to becoming a home owner. Terminology such as shared equity, affordability, credit profile, lending criteria, fixed rates, trackers, etc, are confusing for most first time buyers and professional help is strongly advisable.

Undoubtedly, the internet is a great source of information on all types of mortgages but to try to navigate through the myriad options without expert advice and assistance is really daunting and a potentially dangerous task.

We hope that you will choose to contact Search Mortgage Solutions so that we can explain in detail all the options available to you and which lender from the whole of the market will be right based on your circumstances and objectives.

We would be delighted to be given the opportunity to explain the whole mortgage and house buying process to you in an easy to understand way and then to proceed to an application only if you are comfortable to do so.

Unlike banks and building societies we are authorised to search the whole of the market on your behalf to ensure that you get the most suitable first time buyer mortgage to fit your specific needs according to your personal circumstances and eligibility.

Protection insurance is strongly recommended for your peace of mind. Please refer to our separate web page ‘Mortgage Protection Insurance’ which gives details of how we can help with this.

Search Mortgage Solutions are specialists in arranging shared ownership and shared equity mortgages. For more information please call one of our mortgage advisors on 0800 756 7794.

Finding the right mortgage providers for first time buyers in Manchester

Unlike banks and building societies we are available from 8.00 am till 10.00 pm, 7 days a week and can work around your busy schedules’ to arrange your new mortgage. We are a whole of the market mortgage broker and work on your behalf to ensure that you get the most suitable first time buyer mortgage advice to fit your specific needs according to your personal circumstances and eligibility. Our Manchester mortgage advisers will provide you with clear , concise information throughout the mortgage application process and will also guide you through all the steps of buying a property right from the initial consultation , putting an offer in , advising all associated costs eg solicitor stamp duty etc to when the mortgage completes.

Mortgage deals for first time buyers Manchester

Search Mortgage Solutions and our Manchester Mortgage advisers can advise on a whole range of First time buyer mortgage Manchester based Scenarios

  • First time buyer Mortgage Advice
  • Help to buy mortgage advice for first time buyers
  • Right to buy mortgage advice for first time buyers
  • Self-employed mortgage advice for first time buyers
  • Buy to let mortgage advice for first time buyers
  • Let to buy mortgage advice for first time buyers
  • Shared Ownership mortgage advice for first time buyers
  • Shared Equity mortgage advice for first time buyers
  • Had previous adverse Credit issues and looking for a first time buyer mortgage
First Time Buyer Mortgage Frequently Asked Questions

Calculating how much you can borrow to buy a home will be based on your income / incomes. If you wish to apply for a mortgage, use our borrowing calculator on the website as this will give you a rough idea of how much a lender might offer you. This is based on how much you earn and whether you’re buying with anyone else. Mortgage lenders will decide how much you can borrow by basing income multipliers on your salary / salaries .Banks and building societies will offer between three and four-and-a-half times the annual income of you and anyone you are buying with. This means if you are buying on a single applicant basis and earn £30,000 a year, you could be offered anything between £90,000 and £135,000. There are exceptions to this, however, especially if you work in a certain profession and then income multipliers may be higher. Other factors will impact how much you can borrow as well. Lenders will want to know your monthly outgoings and how you spend your money to complete an affordability assessment. Loan repayments , student loans and credit card balances , Regular bills (e.g. gas and electricity) Transport costs Grocery costs Spending on leisure activities Recent bank statements may be needed and payslips to support your application.

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