Mortgage Brokers Manchester
Stress-Free, Award-Winning Mortgage Advice
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Expert mortgage advice in Manchester
Looking for the best mortgage deal in Manchester? Our team of expert mortgage brokers is here to simplify the process and help you secure the most competitive mortgage rates. Whether you're a first-time buyer, remortgaging, purchasing a buy-to-let property, or in need of a specialist mortgage, we offer tailored advice to find the best solution for your circumstances.
At Bell Financial Solutions, we take pride in being one of Manchester's leading mortgage brokers. With years of industry experience and a commitment to customer satisfaction, we offer:
Access to a Wide Range of Lenders – From high street banks to specialist mortgage providers, we source options that suit your needs.
Expert Guidance – Our experienced mortgage advisors ensure you make the right decision for your financial future.
Transparent Fees – Enjoy a clear, flat-rate fee structure with no hidden costs.
Hassle-Free Service – We take care of the paperwork, liaise with solicitors, and handle the entire process from start to finish.
How We Work
We make securing a mortgage as smooth as possible with our structured process:
- Initial Consultation – We discuss your needs and financial situation.
- Market Research – We compare mortgage products from leading lenders to find the best fit.
- Application Assistance – We handle all the paperwork and liaise with lenders on your behalf.
- Ongoing Support – From application to approval and beyond, we’re here to help.
Mortgage Services in Manchester
As leading mortgage finance brokers, we specialise in solutions for all financial situations, including those with complex income structures or adverse credit histories. We provide expert mortgage advice across a range of mortgage types:
First-Time Buyer Mortgages
Buying your first home can be exciting and overwhelming all at the same time, and our mortgage brokers in Manchester guide you every step of the way. We take the stress out of the mortgage process by providing clear advice and support, ensuring you understand all your options.
We’ll help you find first-time buyer mortgage deals with:
- Low deposit options – Secure a mortgage with no deposit with renting experience, as little as £5k or a 5% deposit.
- Government-backed schemes – Take advantage of initiatives like Help to Buy, Shared Ownership, and First Homes.
- Competitive fixed and variable rate mortgages – We help you choose between fixed-rate stability or the flexibility of a variable-rate mortgage based on your financial needs.
- Support with affordability assessments – We ensure you meet lender criteria and understand your borrowing capacity.
Remortgaging
Want to reduce your monthly payments or release equity? Our remortgage specialists help you take control of your finances by finding a deal that better suits your needs. Whether your fixed term is ending or you want to switch to a better rate, we can assist you every step of the way.
We help you:
- Find better interest rates – Compare deals from leading lenders to reduce monthly payments.
- Consolidate debts – Use a remortgage to combine debts into one manageable repayment.
- Secure additional funds – Release equity to finance home improvements, investments, or other personal projects.
- Switch lenders with ease – We manage the transition to ensure a seamless process with minimal disruption.
Buy-to-Let Mortgages
Investing in Manchester’s booming rental market? Whether you're purchasing your first investment property or expanding your portfolio, we help landlords secure the right mortgage.
We offer:
- Mortgage options for individuals and limited companies – Choose the structure that suits your tax and investment strategy.
- Interest-only and repayment mortgage products – We help you assess the best repayment method for your long-term goals.
- Specialist deals for HMOs and student lets – Secure financing for high-yield rental properties.
- Lender options for new and experienced landlords– Whether you're just starting or managing multiple properties, we connect you with lenders that fit your needs.
Self-Employed Mortgages
Struggling to secure a mortgage as a freelancer, contractor, or business owner? Traditional lenders often struggle to assess self-employed income, but we work with lenders who specialise in flexible income structures.
We offer:
- Mortgages based on retained profits or dividend income – Tailored solutions for company directors.
- Flexible income assessments – We help sole traders and limited company directors present their income effectively to lenders.
- Competitive rates for self-employed applicants – Access mortgage products designed specifically for business owners.
- Support with documentation – We guide you through the paperwork, from tax returns to business accounts, to ensure a smooth application process.
Bad Credit Mortgages
A poor credit history doesn’t have to stop you from securing a mortgage. We specialise in finding solutions for those with financial challenges, helping you rebuild your future through responsible lending.
We help those with:
- CCJs, IVAs, or previous bankruptcies – Find lenders who understand past financial difficulties.
- Missed payments or defaults – Access specialist mortgage products designed for borrowers with imperfect credit.
- Low credit scores – Explore lending options that consider more than just your credit report.
- Higher deposit requirements – We advise on the deposit amount needed to access the best possible rates.
With access to specialist lenders, we help you secure the right mortgage despite past financial challenges, guiding you toward financial stability.
Contact Bell Financial Solutions Today
Ready to secure the best mortgage deal with one of the top mortgage brokers in Manchester? Get in touch today for free mortgage advice and let us help you find the perfect mortgage solution for your needs. Fill out our contact form or Call us: 0161 791 4757
Still have questions?
Am I too old to get a mortgage?
In most cases, the answer is no. Many lenders will offer mortgages up to the age of 75, provided you can demonstrate affordability and are still working. Lenders will assess factors such as your age, the term of the mortgage, and how much you wish to borrow. For personalised advice, speak to us with your specific details—we’re here to help.
Can I get a mortgage if I’m self-employed?
Yes, self-employed buyers can get mortgages, but you’ll typically need to provide at least 1-2 years of accounts or tax returns to prove your income.
Can you help if I’m a first-time buyer?
Yes! We specialise in helping first-time buyers navigate the mortgage process. We’ll guide you step-by-step, from understanding your options to securing the best deal for your situation. We aim to make your first home purchase as smooth and stress-free as possible.
Do you charge for mortgage advice?
We offer a free initial consultation to discuss your mortgage needs and provide expert advice. If you choose to proceed with our services, any potential fees will be clearly explained to you upfront, ensuring transparency throughout the process.
Can I pay off my mortgage early?
Yes, many mortgages allow early repayment, but depending on your mortgage terms, you may incur early repayment charges. Check with your lender for details.
Why choose Bell Financial Solutions?
Bell Financial Solutions are CeMAP-qualified mortgage brokers in Manchester that provide a wide range of services including re-mortgages, mortgage protection, first-time buyer mortgages, buy-to-let mortgages, and more. Whichever service you require, you can trust our trusted and professional advice/recommendations. Moreover, we are a 5-star mortgage broker.
How do I get started?
Getting started with us here at Bell Financial Solutions Urmston is easy and simple. We have a team operating several methods of communication so please feel free to choose whichever one is most convenient for you. You can call us on 0161 791 4757, you can email us using the on our website, or you can message us on all major social media channels. We look forward to hearing from you.
We’re all ears.
Let’s have a chat about what you need and how we can help.
