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FIRST TIME BUYER MORTGAGES MANCHESTER

Search Mortgage Solutions

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

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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.

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

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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

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.

Have a Question?

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

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

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

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

First Time Buyer Mortgages Frequently Asked Questions

How much could I borrow on a mortgage?

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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