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Salford Quays - Mortgage Advice


Myself and my partner are trying to buy a flat in Salford Quays but we are getting frustrated as we are running into some unexpected problems. I'm 27 and she is 26 and we are both in full time employment. Our total salary (after tax) is roughly £45k and she also gets regular income which adds another £6k onto that figure.

The problem we are experiencing is that no lender we can find is prepared to give us a mortgage, for some reason we don't meet the lending criteria. The flat we want to buy is modest - 2 bedrooms and costs £189,000. We have accrued a deposit of £20,000 but like I say, still can't get a mortgage.

We really like the Salford Quays area, I know there are alternatives like Stretford and Chorlton but the prices in Chorlton are astronomical and well out of our price range. We have looked at some places to live in Stretford, but found that we prefer Salford Quays.

We noticed a previous post of your where your helped people in Sale get a mortgage by recommending a whole of market mortgage broker in Manchester (http://manchestermortgagebroker.postbit.com/mortgage-broker-sale.html). We are thinking of trying a business like this as at the moment we have no options and need to really get moving with obtaining a mortgage if we are to secure the house we want.

It seems that the big lenders of mortgages are really on the way out as the independent mortgage broker can offer a much larger choice of mortgages and therefore also offer a much wider choice of competitively priced deals. There's a lot of competition for housing in Manchester which seems to be getting more and more popular each month. Flats in Salford Quays don't stay on the market long so I'm keen to get a mortgage in place.

Oh just a further note: We have secured a loan from my fiancee's parents of £10,000 which will greatly help us with getting the necessary deposit for the flat and have an appointment with a mortgage broker booked.

Post by manchestermortgagebroker (2017-10-02 09:25)

Tags: manchester salford mortgage advice

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Final arrangements and negotiations - home buying


You need to barter and you'll find that some last things which have no longer yet been agreed, inclusive of buying the dealers refrigerator from them.

buying a house in Manchester

You want to make preparations for the deliver of electricity, fuel, water and telephone carrier, and that the seller has got readings made. frequently, it is easiest genuinely to alternate the account call for the existing providers to the assets, in preference to exchange suppliers, which you could do at a later date. See our moving day test-list to help you plan your flow and it is a superb idea to take into account the first-rate day to transport. The solicitor/conveyancer will tell the land registry that they may be inside the system of moving ownership of your home Your solicitor/conveyancer need to be liaising with the loan company to ensure the money might be prepared for of entirety. You want to make certain that your deposit is also ready, and usually you will pay that on your conveyancer before completition.

(Personal note: I've bought several houses in Manchester - Winton (Eccles), and Lancashire on the boundary of Greater Manchester. Things usually go smoothly, but keep an eye out for any eventualities you may not have bargained for - these can add delays to either your mortgage approval or house buying.

Complete the sale Finishing touch is when you pay for the belongings and take possession of it, and takes area at a positive time of day – often noon At the day crowning glory, the cash is transferred and the deeds of the assets are transferred, between each aspect’s conveyancer.

Welcome to your new home The vendor has to go away the assets by the point completion, and you should then be able to acquire the keys, generally from the property agent You're now unfastened to transport in, or in case you are doing any constructing work before hand, the workmen can now begin You'll need to make ordinary administrative arrangements for getting permission for parking for shipping vehicles etc

Pay stamp duty and settle up with the solicitor and conveyancer After finishing touch, your solicitor or conveyancer will ship you an account, masking all their charges and disbursements, in addition to the acquisition fee of the residence and stamp responsibility. See how lots stamp duty you may pay and when this is due

Your solicitor or conveyancer will typically pay the stamp duty for you, and make sure that the exchange of possession is registered with the land registry There can be a small refund due to you if the surveyor has overvalued the expenses.

Post by manchestermortgagebroker (2017-09-18 11:40)

Tags: manchester buying house

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Stretford - House for Sale


Humphrey Park
    Chain free !
    pinnacle floor condominium !
    Hallway
    lounge
    equipped Kitchen
    One bedroom
    3 Piece rest room Suite
    Balcony
    Double Glazed
    Secured Gated vehicle Park

Property Description
Note: If you are in need of a mortgage broker or advisory service including insurance please contact us.

Chain loose ! home property dealers are extremely joyful to deliver to the marketplace this one bedroom flat with a balcony situated at the popular development of Humphrey Park, Stretford. In short the property accommodates of communal entrance and hallway, flat front, hallway, storage cupboard, living room with patio doorways main onto a balcony, fitted kitchen and three piece outfitted toilet suite. situated at the Urmston border with true Manchester transport links and nearby amenities To e book a viewing for this property call domestic.
Hallway

Communal front hallway with keypad entry, wooden front door main into the flat with storage cupboards.
front room (four.88m x three.51m (16'00 x 11'06))

UPVC double glazed door and window main onto the balcony, television point and wall installed electric heater.
Kitchen (2.44m x 2.41m (8'00 x 7'11))

UPVC double glazed window to the rear elevation, choice of wall and base devices fitted with roll part paintings surfaces and incorporating a 1.5 bowl stainless steel sink with mixer tap, electric oven, ceramic hob, extractor hood, tiled splash backs and laminate ground.
bed room One (4.17m x 2.57m (13'08 x 8'05))

UPVC double glazed window to the front elevation and electric powered wall established heater.
bathroom

3 piece bathroom suite comprising of tub equipped with electric powered shower, sink with pedestal, low degree w/c, tiled to praise with vinyl flooring.
Externally there is a mortgage broker situated about 100 yards from the property on Stretford Road.

To the front of the property is a gated private car park and to the rear specifically lawned private gardens.
important statistics

Please word: home property dealers and mortgage brokers have no longer tested the offerings and home equipment described inside this document (consisting of important heating structures), and recommend customers to have such items tested to their personal delight by a expert. All sizes quoted are approximate. Making an offer: in case you are inquisitive about this belongings, please touch us at the earliest opportunity previous to contacting a bank, constructing society or solicitor. Failure to achieve this could result in the property being bought elsewhere and will result in you incurring needless expenses along with survey or criminal fees. most of our clients require us to advocate them on the repute of ability buyers, who make a proposal to purchase, consequently you're strongly counseled to make an appointment at this level.

Post by manchestermortgagebroker (2017-09-06 11:07)

Tags: stretford manchester for sale

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Mortgage Broker Sale


Sale is a bustling city which originated on the banks of the river Mersey many hundreds of years in the past. This website is for all residents, past and gift, and visitors. we hope it's going to give a complete guide to all that is going on in Sale. Sale is a part of Greater Manchester and has several good mortgage brokers.

One of them, the standout brokers Manchester Mortgages, provide lender and advisory services to mortgage hunters across Manchester. The city has gone through a number of re-improvement in current years. go to Google maps, streetview for a excursion of the town - example. you could click on at the arrows to journey spherical the town and double click to zoom in. maintain the mouse button and drag to pan spherical - extremely good!!

This internet site is specifically directed at publicising Sale and what goes on inside the community. the primary emphasis is on the voluntary quarter, local activities and client issues usually.

Use the navigation menus on the Manchester Mortgages site, above and under to locate your way round. there may be a search facility and placement map hyperlink at the pinnacle right nook of each web page so that you have to find what you need fairly effortlessly.

Sale Moor community Organiser. Maddie is a network organiser operating in Sale Moor. network Organisers pay attention to citizens approximately what they love about their area, and what they would like to alternate. we can support them to do a variety of different things in the network, like social businesses, activities, campaigns. there may be additionally volunteer opportunities as a “Volunteer network Organiser”

Post by manchestermortgagebroker (2017-08-21 11:37)

Tags: sale manchester adviser

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Great house for sale in Fallowfield


Fallowfield is an area of Greater Manchester that is popular with students and young people. I recently looked at a great house that's for sale in Fallowfield. Here are it's particulars:

DOUBLE BEDROOMS two RECEPTION ROOMS UPVC DOUBLE GLAZING gas central HEATING SUNNY REAR garden properly APPOINTED for the duration of equipped KITCHEN elegant rest room extraordinary vicinity

assets description A high-quality, 710 sqft, bed room, reception room, garden fronted, Victorian give up-TERRACE assets. fantastically appointed at some stage in and with a stunning rear lawn that enjoys the sun for a lot of the day, this would be the appropriate, geared up to move in to, first time consumer' purchase. Boasting Upvc double glazed home windows and doors, gas relevant heating with a contemporary aggregate boiler and all situated in this maximum famous road. With super links to Didsbury and the metropolis centre, close to Platt discipline Park and the Fallowfield Triangle for stores and amenities and offered with out a supplier CHAIN. With a contemporary outfitted kitchen and modern-day tiled rest room. name JP & Brimelow, to arrange a viewing.

entrance hall: - enter the belongings through a modern-day Upvc door, with inset double glazing. there's laminate floors and internal doors leading to every reception room, plus carpeted stairs to the first floor.

living room: - thirteen'four x thirteen'four (four.06m x four.06m) - a lovely big reception room, with feature, papered wall and newly installed, centre-piece, dwelling flame effect fireplace. With laminate floors, a huge Upvc double glazed window, looking on to the rear garden, radiator and glazed inner door to the kitchen.

eating Room: - eleven'1 x nine'10 (three.38m x 3.00m) - A beautiful front dwelling room with neat, neutral walls, a massive Upvc double glazed window, radiator and beige carpet.

Kitchen: - 7'0 x 6'7 (2.13m x 2.01m) - A contemporary outfitted kitchen with a spread of white, base and eye degree cupboards, with brown, wood impact, roll edge paintings surface and black, ceramic splash returned tiles. also featuring an inset stainless steel sink, space and plumbing for a gasoline cooker, with fitted extractor hood, combination boiler, lawn component Upvc double glazed window and all delivered collectively with terracotta colored floor tiles.

First ground landing: - Beige carpeted runs up the stairs and alongside the landing, wherein 3 period, stripped wooden doors lead to every double bedroom and the rest room. With neat neutral decor and outfitted storage cupboards.

bedroom One: - thirteen'four x eleven'nine (4.06m x three.58m) - A big the front thing bedroom, that enjoys Upvc double glazed windows, for optimum ranges of herbal light. featuring a single stylish papered walls, to offset easy, impartial experience of the other white painted walls and beige carpet. also proposing a radiator.

bedroom two: - 12'10 x eight'4 (three.91m x 2.54m) - A 2d double bedroom, with white painted walls, beige carpet and a rear aspect Upvc double glazed window, that enjoys lighter and extra significant open views, being an quit of terrace property.

rest room: - 8'2 max x four'five (2.49m max x 1.35m) - A fashionable, white, 3 piece rest room, with wall that are tiled ground to ceiling, in big beige ceramic tiles, with a neat, mosaic border. presenting a panel bath with energy shower and glass shower screen, low level W.C, and pedestal wash hand basin. there may be a frosted Upvc double glazed window, timber style, linoleum floors and radiator, with equipped towel rail above.

external: - a pleasing, paved patio and decked lawn with pebbled borders. enjoying greater open views, courtesy of the enviable give up of terrace role and getting the solar for an awful lot of the day.

Please word that we've no longer checked any of the appliances or the primary heating machine covered within the sale (if any). All potential purchasers must fulfill themselves in this factor previous to getting into a agreement.

Post by manchestermortgagebroker (2017-08-14 12:07)

Tags: fallowfield house buying

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Home buying in Sale - Manchester


In addition to being named the fourth exceptional location to live in England, this leafy Trafford city does offer commuters a manner of thrashing the morning site visitors.

Positioned right at the Altrincham Metrolink line, commuters can be in Manchester city centre in around 20 mins at the tram.

The number of colleges rated ‘great’ via OFSTED within the area is likewise another primary draw.

And although it could have fewer bars and restaurants than Levenshulme, new additions along with the Cork of the North and the Block and Gasket and staples just like the King’s Ransom and the JP Joule are ever popular.

Daniel coins, from Watersons estate agent, stated: “It’s the rate of the travel virtually. we've 3 tram stops here this means that you could hop on at any of them and get into the town centre. It’s superb.”

Commute time? Tram: There are three tram stops - Sale, Dane avenue and Brooklands - which take around 20 minutes to get to Deansgate-Castlefield.

Vehicle: again, driving is usually a piece tricker within the morning but on a very good run, immediately down Chester road, it takes simply 18 mins to get to the city.

With a number of car parks close to Deansgate, that is clearly the fastest choice.

Bus: For velocity the tram is almost sincerely a higher choice however if you select the bus then the 263 runs often down Chester avenue, stepping into Piccadilly Gardens, in just over half-hour.

The forty one, which is going through West Didsbury, takes between forty five minutes and an hour to Piccadilly Gardens.

Cycle: There are several ways to access the Bridgewater Canal - Marsland avenue, Sale Waterside and Dane road - that may have you ever on the town in only 29 mins.

Waxi: in case you’ve got an hour and 15 minutes to kill you could get a water taxi alongside the Bridgewater Canal from Sale Waterside to Castlefield/Dukes 92.

House costs? Homes don’t come cheap here.

In the final twelve months house expenses have risen via greater than £7,000, with the common domestic going on the market for £294,796.

It’s now not all bad news even though, sellers are being forced to shift on asking costs - with the real common sale price at £274,830.

Daniel cash delivered: “Sale has constantly proved popular, it is a massive location for housing and gives homes from 100k – 900k so it caters for all of us.

“It amazes me that most neighbourhoods provide the entire unfold of housing, one avenue will have every house rate on it.”

What do they say? Resident and nearby commercial enterprise owner, Jenny Au-timber, 30, said: “I moved to sale 4 years ago from north Manchester. i used to be transferring in with my boyfriend, however what become really amazing changed into being so near the tram, and the way quick the tram changed into entering into metropolis.

“Its proximity to the entirety is terrific - the motorway, Manchester and the Trafford centre and the sort of ways people can get here, be it tram, bus, car or Waxi, is mind-blowing.”

Post by manchestermortgagebroker (2017-07-27 11:07)

Tags: sale mortgage lender manchester

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Buying a House in Eccles


Eccles is an inner city part of Greater Manchester and is itself part of Salford. Salford is known as being "the cheap part of Manchester" and has some of the cheapest houses available throughout the whole of Greater Manchester. One such area is Eccles - this area has (in my opinion) struggled over the years, but ironically enough it is bordered by some very affluent areas (if house prices are anything to go by) like Worsley and Monton.

There's a decent mortgage broker in Monton who covers both Eccles and Worsley by the name of Andrew Butterworth. His company (Manchester Mortgages) operates out of Monton and rather than list their website url I will instead tell you their Facebook details: https://www.facebook.com/manchestermortgages/. Andrew has been a mortgage broker for over 20 years and in this time has accrued much invaluable experience in getting people mortgages.

For example, if you have had difficulty getting a mortgage or have had to wait several weeks waiting for a decision from a big mortgage lender, try Andrew - he's confident he can get you a deal within a matter or days. With much of Salford and Greater Manchester being redeveloped, big plans could be on the horizon for Eccles, so if you are seeking to buy a house in Eccles or the more expensive surrounding areas I suggest you have a word with Andrew.

Post by manchestermortgagebroker (2017-07-13 09:09)

Tags: eccles salford mortgage broker

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Going it Alone: Audenshaw


It's a big move, going it alone. If you've been married for any length of time and felt an affinity to the person you've been spending your life with, the thought of separating can seem daunting. Whilst thoughts about leaving occupying your mind, from personal experience I know that you have to also focus your attention on where you are going to move to and how your are going to afford it.

AudenshawA friend of mine in Audenshaw, Greater Manchester recently did something similar to this. Close to Ashton under Lyne, Audenshaw is part of Greater Manchester and as such there is a lot of housing and apartments that are available to rent or buy.

She works hard but soon discovered that setting up on your own was going to be an expensive business. Although many types of mortgage were available, she was not eligible for some due to her personal circumstances.

Indeed, so small was the choice of available mortgage products, that she found it difficult to find one to suit her requirements. Fortunately, being resourceful, she sort out a decent independent mortgage broker located in Monton who was able to greatly broaden the amount of mortgage products available to her.

The fact that she had to use an independent (otherwise known as 'whole of market') mortgage broker to do this raises an interesting point: what are the 'usual' mortgage lenders actually doing? Why are their products so limited and unsuitable for so many people? In these days of austerity, mortgage lenders need to be flexible and accommodating to suit people's needs.

Post by manchestermortgagebroker (2016-10-18 05:44)

Tags: audenshaw manchester moving living

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How Much can I borrow as a First Time Buyer ?


Choosing the right mortgage can be a difficult choice and time consuming. There are lots of different lenders on the market and they all use different criteria when assessing your income and circumstances. One of the main objectives of the Financial Conduct Authority is TREATING CUSTOMERS FAIRLY.

But do all High Street Banks, Building Societies and specialist lenders do that ?
Lenders can change their criteria at anytime and what they are prepared to lend dependent on a number of factors. So how as a first time buyer are you able to know what those factors are ?

Below is an example of what various Banks & Building Societies and other well known lenders were prepared to lend in the Month of August 2016.

EXAMPLE CASE STUDY.

Joint first time buyers at 90% Loan to Value (LTV) and with a 10% deposit. No dependants. Student loan and credit card debts. Incomes £28,000 and £25000 + car allowance £500 pcm respectively.
 
Barclays £281,204
Nationwide BS £280,300
Skipton BS £275,250
Halifax £268,850
Accord £264,910
Santander £262,550
Platform £251,440
NatWest £250,700
Leeds BS £248,872
Virgin £237,500
Kensington £237,204
Coventry BS         £231,800

As you can see there is nearly £50,000 difference from one lender to another. This can be quite confusing  knowing where to go to get the best deal for your individual services. If you make the wrong choice in lender it might mean you missing out the property you really would want to buy because the lender will not provide you with sufficient funds for the mortgage.

By using a mortgage broker they would be able to research the whole market place and establish who is the most suitable lender for your particular circumstances saving you all the time and effort of having to do the work yourself.

Most mortgage brokers will meet at a time and place convenient to you so removing the inconvenience of having to do all the research yourself. You will be the brokers client and they would work on your behalf not the lenders.

So if you are wanting to get on the property ladder and are not sure how much you can borrow then you need to contact a Mortgage Broker checking that they are independent and whole of market and let them do all the work for you.

Post by manchestermortgagebroker (2016-09-21 07:37)

Tags: money. loans finance uk

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My Mortgage History


I've had a mortgage for let me see... some 25 or so years. In the United Kingdom 25 years is the standard number of years over which is mortgage is paid. If a new mortgage is taken out in this time, it usually has the effect of resetting the clock and the mortgage term begins again from 0,

Street view of RamsbottomI got my first mortgage in 1991 when I bought a house in Wythenshawe, Manchester for £34,500. It's so long ago now that I can't remember who I got the mortgage with but I think it was high street bank, perhaps HSBC or NatWest. Now I come to think of it, it was the Skipton building society. Two years later my wife and I decided to travel overseas and let the house. A couple of days before we went we thought (in our naivety) that we'd call into our mortgage lender's Manchester branch and as a courtesy, inform them of what we were going to be doing. That's when we got a shock, and they told us we were not allowed to do this. We panicked for a few days wondering what on earth we were going to do before it occurred to us "what were they going to do about it anyway?".

Move to 2002 now and we were looking to move. The house in Wythenshawe was no longer suitable for our requirements and we wanted to move to the Ramsbottom area of Lancashire, with it's hills and scenery, away from the inner city feel of Wythenshawe. There was a problem however, I was self employed and therefore unable to provide proof of a regular income. My option of using a high street mortgage broker as I had previously was now closed to me so I had to find an alternative way of getting a mortgage.

Whilst looking at houses in Ramsbottom, one of the estate agents recommended an independent mortgage broker who were at the time known as 'Mortgages 4 U'. They are still trading today, and are known as Manchester Mortgages. They were the lifeline I needed as they were able to find a mortgage and get an offer out to me.

To this day I don't know how they did it, and they helped me again in 2004 when we moved again to a much larger house. Again they provided the necessary step of finding a suitable mortgage provider for me. I was still self employed, but my business had become a company and employed me.

Post by manchestermortgagebroker (2016-09-06 06:55)

Tags: mortgage ramsbottom bury wythenshawe

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