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Independent Mortgage Advice Burnage

Your Mortgage Options provides completely independent mortgage advice in Burnage. With access to the whole market, we’ll explore all of your options to find and arrange the right deal for you.

When buying a home, you need to decide which type of mortgage is the most appropriate for your needs and circumstances. From the information you give us, our experts in Burnage will search the market and find the most suitable products for you. With so many options to explore it can feel overwhelming at first, which is where we come in to help with mortgage advice in Burnage.

Whether you are a first time buyer, self employed or if you have less than a perfect credit history, we’ll tailor our search to you. We can also offer guidance and advice if you are looking for bridging loan finance or to release equity from your home.

We are experts in mortgages of all kinds: Residential and Commercial, Self build and Flexible, Offset and Retirement Interest Only, the options seem almost endless. Speak to one of our experts who can provide tailored mortgage advice in Burnage

How We Help With Mortgage Advice in Burnage

For a lot of people, buying a property and getting a mortgage is one of the biggest decisions that they will ever have to make in their whole lives. It’s a decision that you certainly don’t want to risk getting wrong, which is why getting expert independent mortgage advice in Burnage is the best route forwards. In years gone by, you might have been able to speak to your bank manager about getting a mortgage, but this is less common nowadays and this approach also limits your options to what’s available from just one lender.

People of all ages and financial positions can benefit from professional mortgage advice here in Burnage. Whether you’re a first-time buyer, a property developer, somebody looking to remortgage or to release equity from your property, you’ll want to ensure that you are getting the very best deal available on the whole of the mortgage market. Many are surprised to learn that even if they have a poor credit history, it’s possible to obtain a mortgage with the right advice. Speak to one of our Burnage mortgage advisors today and learn more about your options with a free initial consultation.

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Why Choose Us For Mortgage Advice in Burnage?

Whole of Market Access

There are many different types of mortgages so only looking at deals from one lender means you’re unlikely to end up with the best available option. Our mortgage advisors in Burnage have access to the whole of the market, including products that are not available from high street lenders.

We Are On Your Side

Our Burnage mortgage advisors are whole of market and work for you, not the lender. So we will act solely in your best interests. So you can be confident that the mortgage lender we place you with will be the one best suited to your individual needs and personal circumstances.

We Do The Hard Work For You

At Your Mortgage Options we leave no stone unturned in our whole of market research here in Burnage. We also handle the whole application process end to end, including all the paperwork, valuations, solicitors and conveyancing. Get in touch today to discuss all Your Mortgage Options.

We Consider Your Circumstances

We take the time to understand your individual circumstances. This helps us to find the right mortgage that works for you and your family in Burnage. We will assess all that you can realistically afford and guide you through Your Mortgage Options.

Mortgage Advice Burnage FAQs

The amount you can borrow depends on your personal situation, your household income and current credit commitments. All lenders have different ways of calculating what someone can borrow. They’ll take into consideration factors such as:

  • How much deposit you can put down
  • Type of employment
  • Your salary (combined if you’re buying with a partner)
  • Your monthly outgoings
  • Your credit history and rating

By speaking to an advisor and getting expert mortgage advice in Burnage, you’ll have a much better understanding of how much you will be able to borrow. This will guide you on your house buying journey, as you’ll know what properties in Burnage are affordable.

At the moment, because of assistance available from the government, you can put down as little as 5% of the value of the property as a deposit for a mortgage in the UK.

If you would like to discuss how this works in greater detail, speak to one of our independent experts in Burnage today.

A Repayment Mortgage is guaranteed to pay off the mortgage in full by the end of the term whereas an Interest Only Mortgage has monthly payments which cover only the cost of the interest and your loan amount will remain the same.

At the end of the term you would either need to sell the property in Burnage to repay the mortgage or find another way to repay the loan.

If you’re thinking of enquiring about mortgage advice in Burnage, the sooner you speak to and expert the better. Involving a mortgage advisor earlier on in the application process gives us more opportunity to help you and reduces the stress and disappointment of not being able to secure a mortgage that suits your needs.

Buying a home and taking out a mortgage is one of the biggest decisions you’ll ever make, so it helps to be able to draw upon the knowledge of a qualified professional. There’s also a lot to wrap your head around, especially if you’re a first time buyer, self employed, or if you’ve got a bad credit record.

The most common term for a mortgage is 25 years, but 35 year and even 40 year mortgages are also available. Longer term mortgages might come with higher arrangement fees and interest rates attached, but they can offer a degree of flexibility which is helpful for those whose income might fluctuate month to month.

For example if your deal allows you to make overpayments (which many do), you could pay extra on your monthly repayments when your income allows you to do so. If times become a bit tighter and your income is reduced, you could then revert back to repaying the smaller amount.

Get in touch today for mortgage advice in Burnage, to find out which mortgage term would be best for you and your situation.

Yes, you may well be able to get a Mortgage in Burnage, even with bad credit.

At Your Mortgage Options, we are independent and whole of market and we have access to every available product on the mortgage market, so we have lenders available to us that are happy to take applications from people even if they have CCJ’s, arrears and low credit scores.

Get in touch to speak to one of our experts today and we can help you with all you’ll need to know.

Burnage is 4 miles south of Manchester City Cente and easily accessible with its own train station. There are also access to plenty of surrounding green spaces making Burnage a great mix of the hustle and bustle and relatively quiet for somewhere so close to the city centre.

Burnage is famed for being the hometown of the Gallagher Brothers, Noel and Liam from the British rock band, Oasis.

Oasis soared to fame in the mid 1990’s when their first album became the fastest selling debut album in history.

Hits include Wonderwall, Live Forever, Cigarettes and Alcohol and Don’t Look Back in Anger.

According to Rightmove, properties in Burnage had an average price of around £265,000 over the last year leading up to November 2021.

Most of the sales in Burnage during the last year were semi-detached houses, selling for an average price of £278,568, whist terraced properties have been selling for an average price of £257,832, with flats going at an average £113,850.

The trend is that house prices in Burnage were 11% up over the last year and 28% up on the 2018 peak of £209,187.

Mortgage Advice Burnage - Enquire Online