Mortgage broker in Manchester and Cheshire

Our Manchester and Cheshire office sits on Fir Road in Bramhall, between Stockport and the Cheshire villages. From here we help people across Greater Manchester and Cheshire buy their first home, move up the ladder, remortgage, invest in property and put sensible protection in place.

We arrange mortgages for all kinds of clients. Our real specialism, though, is how lenders assess complex income. If you are a limited company director, a partner in a professional firm, a contractor or a landlord, the lender you choose can change how much you may be able to borrow.

A Manchester mortgage broker for complex income

Most lenders look at the salary and dividends you have drawn, usually averaged over two years. For many directors and partners, that is only part of the story.

Some lenders can use your share of the company’s net profit, including profit retained in the business. Some will use your latest year on its own where your income has grown. Some assess contractors on their day rate rather than their accounts. We read your income the way an underwriter will, then shortlist the lenders whose criteria fit how you are actually paid. Our pages on company director mortgages and contractor mortgages explain more.

Any borrowing is subject to underwriting and valuation. We will tell you plainly what looks likely and what doesn’t.

What you’ll usually need

• Two years’ accounts for each company you own shares in, ideally signed by your accountant
• SA302s and tax year overviews
• Recent business and personal bank statements
• Your shareholding and how long you have held it
• For contractors, your current contract and a record of your contracting history

After our first conversation, we send a checklist built around your own income so you only gather what is needed.

Advising Manchester’s professional community

Manchester has a large professional services sector, with law firms, accountancy practices, consultancies and technology businesses across the city centre and beyond. We advise people who work in these firms, whether they live in the city or in the towns and villages around our Bramhall office.

Partners in law firms and accountancy practices make up a large part of our work. Partnership income has its own quirks: drawings through the year, a balancing payment later, a share that may have grown recently, or a short history as a new partner. Some lenders handle these well and some don’t. You can read more on our partner mortgages page.

We also work with accountants. Much of our work comes from accountants who recommend us, and with your permission we are happy to speak to yours directly.

Areas we cover across Manchester and Cheshire

From Bramhall, we advise clients in Stockport, Cheadle, Cheadle Hulme, Hazel Grove, Poynton, Wilmslow, Alderley Edge, Prestbury, Knutsford and Macclesfield. We also help people in Didsbury, Chorlton, Sale, Altrincham, Hale and across central Manchester.

Wherever you are in the UK, we can advise you by phone and video. We are based in Leeds, with a further office in London.

Meeting us in Bramhall, or by phone and video

Our Manchester and Cheshire office is at:

Fir Road, Bramhall SK7 2NP Phone: 0161 300 3350

You are welcome to meet us in person in Bramhall. Many clients prefer a phone or video call, often early or late in the day, and that works equally well. During office hours we aim to reply within the hour.

How we work and what happens next

Your initial consultation is free, and this is how a case usually runs.

1. A proper conversation. We spend 30 to 45 minutes understanding what you are buying, how you are paid and what you need.
2. Your documents, once. You upload everything through our secure portal, using a checklist built for your income.
3. Research the market. We compare how lenders would assess your income and set out your options in plain English.
4. Decision in principle. We obtain an agreement in principle so you can make offers with confidence, subject to underwriting and valuation.
5. Full application. We package your case for the underwriter, explaining anything unusual up front, and deal with lender queries for you.
6. Offer to completion. We keep you, your solicitor and the lender moving, and review your protection along the way.

When you are ready, get in touch and we will arrange a time to talk.