Mortgage Brokers, Advisors Manchester

Welcome to Huxley Mortgage Services Manchester! We're independent, whole-of-market mortgage brokers with access to over 140 lenders, giving us an unrivalled range of products to choose from. Our team of friendly, professional and experienced mortgage advisors are here to help you find the right mortgage solution to suit your needs.

Welcome to Huxley Mortgage Services Manchester!

 

Huxley Mortgage Services are independent, whole-of-market mortgage brokers who are committed to providing expert financial advice and excellent customer service. We offer a wide range of mortgage products and are here to help you find the best solution for your individual situation, whether you’re looking to remortgage, get insurance, consolidate your debts, or secure a mortgage as a first-time buyer, self-employed individual or a contract worker.

 

As an independent mortgage broke, we put out clients first. Our team of friendly, professional and experienced mortgage advisors will take the time to discuss your situation, guide you through the process in a simple, straightforward fashion, and help you to find the right financial solution for you.

 

Although Huxley is a national mortgage broker with offices across the UK, we’re proud to have a dedicated branch in Manchester and to serve the local people of this wonderful city. We also cover many surrounding areas including Bury, Salford, Oldham, Trafford, Stockport, Rochdale and Tameside.

 

Our Manchester office is easy to find. It’s located in Jactin House in Ancoats, right off Great Ancoats Street. It’s just a 15-minute walk from Piccadilly Gardens tram stop while there are numerous parking options available nearby.

 

We’d love for you to pop into our Manchester office, where our friendly mortgage brokers will be happy to sit down with you, have a brew and give you the expert advice you’re looking for!

What Mortgage Services Do We Provide In Manchester?

✓  Remortgaging

Remortgaging is a great way to save money on your mortgage. It involves changing your current mortgage for a new deal with better, more competitive terms. You can either stay with your current lender or switch to a different lender – you’re free to shop around for the best deal. Remortgaging is recommended if you’re reaching the end of the initial term of your fixed-rate mortgage and don’t want to be placed on your lender’s far-less-competitive standard variable rate.

 First-Time Buyers

If you’re buying a house and you don’t own — or haven’t previously owned — a residential property, you’re what’s known as a first-time buyer. Stepping onto the property ladder for the first time can be daunting, but there are actually unique benefits, such as being eligible for Help to Buy schemes and Stamp Duty relief, which can help you to boost your savings and cut costs.

 Moving Home

If you’re moving home, you have two options when it comes to your mortgage: you can “port” (or transfer) your existing mortgage to your new house, or you can remortgage – which can be useful if you’re upsizing and you need to borrow more money to purchase the house. Moving home can be a hectic/stressful time — but we’re here to eliminate the hassle when it comes to your mortgage.

✓  Buy-to-Let Mortgages

If you’re purchasing a property with the intent of renting it out to tenants, you’ll need a buy-to-let mortgage. It’s similar to a regular mortgage but there are various key differences you need to be aware of, including higher lender fees, a larger deposit and the interest rates you can get.

✓  Commercial Mortgages

A commercial mortgage is a type of mortgage specifically for buying a non-residential property, such as an office, retail unit or restaurant. Commercial mortgages are similar to traditional mortgages but with several key factors to consider, such as the criteria for approval, larger deposit and the type of interest you’ll pay.

✓  Self-Employed Mortgages

If you’re self-employed, securing a mortgage certainly isn’t impossible. You can get access to the same mortgages as everybody else — it’s usually just a case of jumping through a few extra hoops to prove the reliability of your income.

✓  Contractor Mortgages

Whether you have a fixed-term contract, a zero-hour contract or you work for a temp agency, you can still apply for the same mortgages as everybody else — you just need to provide your lender with certain financial documents to prove the reliability of your income. In fact, with the number of contractors and freelancers in the UK rising, many banks and lenders take a more favourable approach to lending to contract workers these days.

✓  Adverse Credit Mortgages

Just because you have bad credit, that doesn’t mean it’s impossible for you to secure a mortgage. Whether you have defaults, CCJs or have even been declared bankrupt, we have access to over 140 lenders and can help you to find a lender that’s willing to approve your application.

✓  Mortgage Protection

Mortgage protection covers your mortgage repayments if something unfortunate happens, such as if you’re made redundant, you suffer an illness or accident or, worse, you pass away. It eliminates the worry of keeping up with your mortgage if you’re unable to work and can relieve the financial burden from your family if the unthinkable happens. Mortgage protection isn’t a legal requirement, but it’s certainly worth considering.

What Other Services Do We Offer?

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 Debt Consolidation

Debt consolidation allows you to merge your outstanding debts into a single, larger loan, making your debt easier to manage while helping you to reduce your repayments. Debt consolidation doesn’t magically make your debt disappear, but it can make life a lot simpler.

 Secured Loans

Similar to how a mortgage works, a secured loan allows you to borrow money using an asset that you own (such as your house or car) as collateral. Because the loan is secured, secured loans offer more favourable interest rates compared to unsecured loans (like a personal loan), However, if you fail to meet your loan repayments, you risk losing possession of your asset.

 Bridging Loans

As the name suggests, a bridging loan is a short-term finance solution that helps you to “bridge the gap” from A to B. It’s a popular option for homeowners who are looking to complete the purchase of a property before selling their existing home, as well as for property developers seeking to fund a new project.

 Business Protection

Business protection insurance helps to keep your business up and running if you lose an owner, director or key member of your team through ill health or death. From Relevant Life Insurance and Key Person Insurance to Shareholder Insurance, we offer a range of business protection insurance policies that safeguards all areas of your business, allowing it to continue to operate if the unthinkable happens. 

Why Choose Huxley Mortgage Services?

If you’re looking for mortgage advisors in Manchester, Huxley Mortgage Services is the name you can trust.

As whole-of-market mortgage brokers, we scour the entire market, as opposed to a just small number of lenders that we’re partnered with. With access to over 140 lenders, we have a wealth of options to choose from. More choice means more chance of finding the mortgage product that’s perfect for you.

Since opening our Manchester office in 2018, we’ve become intimately familiar with the local area and market. We’ve developed strong relationships with several high-street banks and building societies, as well as many of the city’s smaller independent lenders. Thanks to our wide-ranging connections, we can offer you exclusive and highly competitive mortgage deals that you won’t be offered by going directly to lenders.

At Huxley, we pride ourselves not only on our mortgage expertise, but our excellent customer service. We value all of our clients while making things as easy, simple and stress-free for you as possible. That’s why we offer a red carpet service, which means you get immediate access to one of our mortgage advisors; the availability of evening and weekend appointments, seven days a week; constant updates throughout the entire process; and a fully-managed service from start to finish.

If you’re looking for expert mortgage advisors in Manchester, get in touch with Huxley Mortgage Services on 0151 374 0105 or at info@huxleyms.co.uk. Or come into our Manchester office for a chat!

A Little Bit About Manchester

 

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The Second City. The Capital of the North. Madchester. Whatever you want to call it, Manchester is without a doubt one of the UK’s most historic, vibrant and culturally-significant cities.

As the birthplace of the industrial revolution, Manchester has a long and proud heritage of industry and innovation. In the 18th century, powered by its production of cotton (earning the nickname “Cottonopolis”) and consumption of coal, Manchester rapidly transformed from a small market town into the world’s first industrial city, complete with Britain’s first man-made waterway, Bridgewater Canal.

Manchester is also where John Dalton developed atomic theory, the precursor of all modern chemistry; where Emmeline Pankhurst founded the Suffragette movement; and where Alan Turing laid down the theoretical plan for a programmable computer. It’s impossible to overlook Manchester’s rich musical history either, having blessed the world with iconic groups such as Oasis, The Smiths, Joy Division, New Order, The Chemical Brothers and Happy Mondays.

Today, Manchester remains as dynamic and diverse as ever. With a rich offering of museums, galleries, shops, bars, restaurants, parks and libraries, it’s no surprise that the city attracts over a million visitors each year. There’s always something going on in Manchester, whether it’s the annual Manchester Pride LGBT festival, Warehouse Project club nights or star-studded Parklife music festival.

Of course, you can’t talk about Manchester without mentioning football. The city is home to two of the world’s biggest and best football teams, Manchester United and Manchester City, who play their home games at Old Trafford and the Etihad Stadium, respectively. Football fanatics would be well advised to pay a visit to the National Football Museum, too.

With a constant injection of investment and ambitious developments, planned improvements to the Metrolink network and measures to improve the environment by tackling air pollution, Manchester is set to further cement its status as one of Europe’s leading cities in the years ahead.

If you’re looking to get a mortgage in Manchester, get in touch with Huxley Mortgage Services on 0151 374 0105 or at info@huxleyms.co.uk today, or pop into our Manchester office!