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
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
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
Our Customers Love Us
3,500+ 5 Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
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.
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.
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.
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.
Government-backed schemes can provide valuable support for buyers. Some popular options include:
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.
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.
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.
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.
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.
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.
Book a no-obligation mortgage appointment and receive expert guidance without any upfront costs.
From application to approval, your personal case manager will keep everything on track and provide regular updates.
Unlike banks and lenders, we work solely in your best interests to find the most suitable mortgage for your needs.
We pride ourselves on delivering fast, friendly service, backed by excellent customer reviews and ratings.
With access to a vast range of lenders, we compare thousands of mortgage products to find the right deal for you.
Our mortgage experts have decades of industry knowledge, helping customers across Macclesfield secure the right mortgage.
Whether you’re a first time buyer, remortgaging or moving home, we’ll be with you every step of the way.
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.
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.
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.
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.
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.
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.
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.
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.
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