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Mortgage Broker in Macclesfield

Let us guide you through the entire mortgage process. We can help with:

  • Working out what you could borrow
  • Securing your AIP within 24 hours
  • Finding you the most suitable mortgage
  • Navigating complicated scenarios

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Looking for expert mortgage advice in Macclesfield?

Navigating the mortgage market can feel complicated, but the guidance of a knowledgeable mortgage broker in Macclesfield, like UK Moneyman, can make all the difference. Whether you’re buying your first home, moving to a new property, investing in buy to let, or looking to remortgage, professional advice ensures you find the best options for your situation.

By understanding your financial circumstances and long-term goals, our experienced advisors can help you explore thousands of mortgage products to find the one that fits. This personalised approach makes the entire process smoother, giving you the confidence to make well-informed decisions.

Our Customers Rate us 4.9/5

Our Customers Rate us 4.9/5
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Speak With a Mortgage Advisor in Macclesfield- It's Free!

Accessing expert mortgage advice in Macclesfield has never been easier. With appointments available every day, including evenings and weekends, you can arrange a meeting at a time that suits your schedule. This flexibility ensures you can explore your options without disrupting your routine.

We will assess your financial position, helping you compare products from a wide range of lenders. From the initial consultation to securing your ideal mortgage, our support makes the process simple and stress-free.

Appointments 7 Days a Week

Appointments 7 Days a Week
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Facing a complicated mortgage situation in Macclesfield?

If your situation involves complexities such as self-employment, specialist property types, or a less-than-perfect credit history, a mortgage broker in Macclesfield like us can provide tailored solutions. Our experienced advisors understand how to match you with lenders who accommodate unique needs, ensuring you find a deal that works for you.

From first-time buyers with limited income history to those seeking specialist products, professional support can help you navigate even the most challenging circumstances with ease.

Explore 1000s of Mortgage Options

Explore 1000s of Mortgage Options
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What can we help you with today?

I Want Buy My First Home in Macclesfield

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Buying a home as a first time buyer is an exciting milestone, but it can also feel overwhelming. Understanding affordability, saving for a deposit, and navigating the mortgage process are common challenges for first-time buyers.

As a mortgage broker in Macclesfield, we’re here to support you at every stage. We can explain how a larger deposit might help you secure more competitive mortgage deals and talk you through the options if you’re self-employed.

I'm Looking at Moving Home in Macclesfield

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Whether you’re upsizing, downsizing, or relocating, moving home presents opportunities alongside important financial decisions. If you’re moving home, we can help you decide whether transferring your current mortgage to your new property is possible or if securing a new deal would be a better fit for your needs.

By carefully considering factors like income, deposit size, and credit history, they’ll help you secure a mortgage that supports your goals.

I Want to Remortgage in Macclesfield

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If your current fixed-rate mortgage is ending, remortgaging could help you avoid the higher costs associated with standard variable rates. It’s also an opportunity to reduce monthly payments, release equity for home improvements, or consolidate existing debts.

We take the time to understand your financial situation, search the market for suitable deals, and recommend mortgage options tailored to you.

I Am Looking For a Buy to Let Mortgage in Macclesfield

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For property investors, securing the right buy to let mortgage is crucial. Most lenders require a 25% deposit, though options with lower deposits may also be available. Rental income and your financial circumstances will also play a role in determining what’s possible.

Whether you’re looking to build or expand your property portfolio, we’re here to guide you through the process and help you find the most suitable mortgage options.

I Want to Learn About the Different Mortgage Schemes

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Government-backed schemes can provide valuable support for buyers. Some popular options include:

  • Right to Buy: For eligible council or housing association tenants purchasing their homes at a discount.
  • Shared Ownership: Purchase a share of a property and pay rent on the rest, with the option to increase ownership over time.
  • Lifetime ISA: A savings account with government contributions to help first-time buyers build a deposit.

As a mortgage broker in Macclesfield, we can help you explore the schemes available to you, showing how they could support your journey to homeownership.

I'm Self Employed and Are Looking For a Mortgage in Macclesfield

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Self-employed individuals often face additional challenges when applying for mortgages. Most lenders prefer at least two years of accounts, but there are options for those with shorter trading histories.

We work with lenders who understand complex income structures, such as retained profits or dividends, making it easier for you to secure a deal that suits your situation.

I'm Looking For a Mortgage Over 55 in Macclesfield

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Mortgages for those over 55 can help unlock new financial opportunities. Popular options include:

As a mortgage broker in Macclesfield, we’ll guide you through your options, helping you find a mortgage that fits your financial situation.

I Want to Know If I Can Get a Mortgage With Bad Credit in Macclesfield

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If you have faced financial challenges such as missed payments or CCJs, securing a mortgage is still possible. Specialist lenders offer tailored products for applicants with adverse credit. Factors such as income, deposit size, and the severity of credit issues will be considered.

We take the time to understand your circumstances, matching you with lenders who offer solutions tailored to your needs.

I'm Looking For a Bridging Loan in Macclesfield

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Bridging loans are a flexible short-term financing option, designed to cover scenarios such as purchasing a new property before selling your current one or funding renovations. Lenders will assess your financial position, the loan amount, and your repayment strategy.

As a mortgage broker in Macclesfield, we can help you arrange a bridging loan that aligns with your specific timeline and requirements.

8 Reasons to Choose Us

Mortgage advice in Macclesfield7 days a week

Our expert mortgage advisors in Macclesfield are available every day, including weekends, so you can get the advice you need at a time that suits you.

Free mortgage appointment with a mortgage advisor in Macclesfield

Book a no-obligation mortgage appointment and receive expert guidance without any upfront costs.

Paired with a dedicated case manager

From application to approval, your personal case manager will keep everything on track and provide regular updates.

We're on your side, we work for you!

Unlike banks and lenders, we work solely in your best interests to find the most suitable mortgage for your needs.

Responsive, 5 star service

We pride ourselves on delivering fast, friendly service, backed by excellent customer reviews and ratings.

We search 1000s of mortgages

With access to a vast range of lenders, we compare thousands of mortgage products to find the right deal for you.

Over 20 years experience

Our mortgage experts have decades of industry knowledge, helping customers across Macclesfield secure the right mortgage.

Support from start to finish

Whether you’re a first time buyer, remortgaging or moving home, we’ll be with you every step of the way.

Answering Common Mortgage FAQs in Macclesfield

How much can I borrow for a mortgage in Macclesfield?

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The amount you can borrow depends on factors such as your income, outgoings, and deposit size. Most lenders offer between four and 4.5 times your annual income, but this can vary based on individual circumstances.

Self-employed applicants may find their borrowing potential is calculated using an average of their recent earnings.

As a mortgage broker in Macclesfield, we’ll assess your situation and connect you with lenders offering options that suit your needs.

What deposit do I need to buy a home in Macclesfield?

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While many lenders accept deposits as low as 5 percent, a larger deposit, often 10 percent or more, can improve your chances of securing a better interest rate.

For applicants with complex circumstances, such as self-employment or adverse credit, a deposit of 10 to 15 percent may be required.

We’ll guide you through your options, including schemes like shared ownership or using a gifted deposit, helping you understand what works best for you.

Can I get a mortgage in Macclesfield if I’m self employed?

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Applying for a mortgage as a self-employed individual often requires additional documentation to prove your income. Lenders may request evidence such as accounts, tax returns, or bank statements. While this can feel challenging, there are lenders who specialise in working with self-employed borrowers, including those with shorter trading histories or complex income structures.

As a mortgage broker in Macclesfield, we work closely with you to find lenders who understand your financial situation. We’ll help you present a strong application, making it easier to secure a mortgage that fits your needs.

How does remortgaging work, and when should I do it?

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Remortgaging is a valuable option for many homeowners, offering opportunities to secure a better interest rate, reduce monthly payments, or release equity. If your fixed-rate period is ending, switching to a new deal can help you avoid higher repayments associated with a standard variable rate.

Lenders will assess factors such as your income, affordability, and credit history before approving a remortgage.

We compare deals across the market to find the option that best suits your current circumstances, ensuring you have access to competitive rates.

What mortgage options are available for first time buyers in Macclesfield?

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First-time buyers often worry about saving enough for a deposit, but options are available to make this step more achievable. Mortgages requiring a deposit as low as 5 percent are common, and schemes such as Shared Ownership or the Lifetime ISA can provide additional support.

As a mortgage broker in Macclesfield, we’ll guide you through the process, from understanding how much you can borrow to navigating the steps involved in securing a mortgage. With our support, you can approach this exciting milestone with confidence.

Can I get a mortgage in Macclesfield with bad credit?

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If you have experienced financial difficulties in the past, such as missed payments or adverse credit, it is still possible to secure a mortgage. Specialist lenders cater to applicants with less-than-perfect credit, assessing factors such as income and deposit size to offer tailored solutions.

We’ll connect you with lenders who are more understanding of your personal circumstances, helping you secure a deal that works for you.

How do buy to let mortgages work for landlords?

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Buy to let mortgages are specifically designed for landlords looking to purchase or refinance rental properties. These mortgages often require a 25 percent deposit, although some lenders may accept less. Expected rental income is a key factor in determining eligibility, alongside your financial position and landlord experience.

If you’re expanding your property portfolio, remortgaging an existing property can release equity to fund further investments. As a mortgage broker in Macclesfield, we’ll help you explore your options and secure a mortgage that supports your investment plans.

Why should I use a mortgage broker in Macclesfield instead of going to a bank?

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As a mortgage broker in Macclesfield, we provide access to a wide range of lenders, including those offering specialist products for self-employed applicants, buy to let investors, and individuals with adverse credit.

We’ll handle the paperwork, compare deals, and liaise with lenders to make securing a mortgage as straightforward as possible.

We Search 1000s of Mortgages in Macclesfield

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UK Moneyman Limited is Registered in England, No. 6789312

Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.

© UK Moneyman Limited 2025.

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