Fee free mortgage advice means a whole lot more for a whole lot less
Are you a first-time buyer in Manchester? The rising cost of renting has made property ownership more appealing. But navigating the complex world of mortgages can be overwhelming. At Search Mortgage Solutions, we’re here to simplify the process.
Our Manchester-based expert will assess your eligibility and situation, guiding you through various schemes like shared equity, affordability, and credit profiles. We’ll help you understand confusing terms like lending criteria, fixed rates, and trackers. From the initial consultation to mortgage completion, we’ve got you covered. Whether you’re buying alone, with a partner, or facing a complex mortgage situation, our experienced Manchester mortgage broker will recommend the right deals. We can arrange an agreement in principle, ensuring you’re ready to proceed when you find your dream property. While the internet provides plenty of mortgage information, navigating it without expert advice can be daunting and risky. Let us make your first-time buyer journey smoother and more secure.
100% Fee free
Getting a first time mortgage in 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 will be the right one 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.
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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.
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 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 adviser 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 adviser 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 (only available in Wales)
- 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
Aaron was fantastic. We had a few highs and lows in our house buying process and he guided us through the issues expertly and was always on hand to answer our queries or calm our nerves! He went the extra mile for us and we really appreciate it. Thanks Aaron!.Liz Lawson
I found Aaron at Search Mortgage Solutions extremely helpful and a necessity in sourcing a remortgage and new mortgage. I find all of the legal vocabulary very confusing, so having Aaron break it all down for me and go through the different options made it manageable. Quick, efficient and easy. I would highly recommend this company..Cathy
I cannot recommend David and Search Mortgage Solutions highly enough, the service was exceptional throughout the whole mortgage process. I work away a lot and found it difficult to arrange an appointment with lenders, but David came to see us on a Sunday night to go through the initial application and always had time to answer any subsequent queries and keep us up to date. I felt confident that the whole team were giving us the very best service they could, and they could be relied upon to chase the application on our behalf and to deal with queries from the lender to take as much hassle away from us as possible. I would recommend to all of my friends and colleagues, and we’ll be back in 3 years for the renewal!.Adrian
I have been extremely happy with your assistance in helping us find and apply for our mortgage. You have always promptly responded to any questions I have had along the way and been clear and concise with all the information you have provided. You have made everything much smoother and easier to understand than I ever thought possible! Vicky Hayward you are a star – you go above and beyond I’m sure. You do a fabulous job and I will definitely be recommending you..Kay & Chris
Search Mortgage Solutions were recommended to me by a work colleague who had said they had been very helpful with the purchase of her first home and she wasn’t wrong! I didn’t really understand how the whole mortgage process worked as I was a first-time buyer, but David was excellent at explaining the process and he was very helpful and friendly. He was always prompt at replying and always kept us up to date with progress, he even sorted our life insurance too. The whole process was made simple and so stress-free and I would highly recommend David and the Search Mortgage Solutions team to friends and family. Thank you so much!!.Stephanie
This is the second time that I have used Search Mortgage Solutions and once again I’ve been very impressed. My advisor went out of his way to do additional research by talking directly to a series of underwriters and offered me a range of advice about how to increase my ability to borrow. The service has been friendly and efficient and, in terms of the product secured, got me exactly what I need. I’ll be recommending SMS to any friends who need a mortgage broker..Chris
I have used Search Mortgage Solutions twice now in the last 2 years, first when my wife and I purchased our first home, we had received so many knock backs from other brokers saying it wasn’t feasible yet David was excellent he searched the market effortlessly and worked hard to get us a deal which we could afford. Always kept us up to date with progress and even sorted our life insurance too. Therefore I had no hesitation returning when our fixed period was up to remortgage to a better deal which was taken care of swiftly. I have already recommended David and Search Mortgage Solutions to friends and family and will continue to do so..Neil
I just wanted to drop you a quick line to say thank you so much for all your help with the mortgage. As first time buyers you made the whole process extremely simple and stress free and we cannot thank you enough for all your assistance. Feel free to post this review on any websites you use. Thanks again for everything!! Thanks..Anne Marie
Search Mortgage Solutions where very courteous and prompt in all correspondence, further providing all necessary information in easy to access files that could be accessed via PC or mobile phone. When we agreed upon a new mortgage quote, Search Mortgage Solutions took care to arrange everything and have it all delivered to our home. Overall the service was prompt, friendly and thorough and we would highly recommend to anyone..Sarah
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.
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Of Mortgage Deals
We have access to the whole of the market of mortgage providers and because we don’t charge a fee, this can mean a savings for you of hundreds of pounds.
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.