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Debt Consolidation Mortgages Manchester

Historic debt? Lets find a mortgage for you

Financial situations can deteriorate for everyone, Use a Mortgage Broker who will help you get the right mortgage.

Our debt consolidation mortgage adviser may be able to help

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 a debt consolidation mortgage broker is 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 adviser 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 most suitable 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.

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Getting Debt Consolidation Mortgage Advice Manchester

The right starting point to get things moving along for you is to talk through your financial situation with a specialist adviser. 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 most suitable route available to move forward. We really hope to have a chance to help you to satisfactorily consolidate your debt. 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.

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

Contact us today. 8am – 10pm
7 days a week

0800 756 7794

Search Mortgage Solutions

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We know life can get hectic. That’s why our mortgage
broker is available for fee free advice over the phone
from 8am until 10pm, 7 days per week.

Borrowing on your property to tackle other financial concerns is not at all unusual. Here at Search Mortgage Solutions, we endeavour to get the right 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 Financial Conduct Authority do not regulate buy to let mortgages

Think carefully before securing other debts against your home – by consolidating your debts into a mortgage, you may be required to pay more over the entire term than you would with your existing debt which could increase the amount of interest payable overall

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  • 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..

  • 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!.

  • 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!!.

  • 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..

  • 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..

  • 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..

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0800 756 7794


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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.

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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 report including 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 external links for you to obtain your credit profile.


Search Mortgage Solutions


Search Mortgage Solutions
125 Deansgate,
M3 2BY
0161 710 2587


Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage

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