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If you are looking for local independent mortgage advice in Manchester then speak to our mortgage team at Suttons Independent Financial Advisers.

Whether you are looking to buy a property, move house, remortgage or build a buy-to-let property portfolio we will be happy to discuss your plans.

As experienced mortgage advisers in Manchester we will walk you through the whole mortgage application process and use our mortgage calculator to answer that commonly asked key question “how much can I borrow?”.

We are independent which means that we work for you and not the providers of mortgages. As such, we are not restricted by company or product in choosing the right solution to meet your individual mortgage needs.

As an independent mortgage adviser, we assess your needs, complete all of the necessary research and provide a justified recommendation taking into account every available lender in the market.

We are happy to discuss mortgages for property purchases right across the UK but if you are in Manchester, you will find us right on your doorstep.


Mortgage advice in Manchester

Wherever you are based in Greater Manchester we will be happy to discuss your local mortgage advice needs, for example:


  • Blackrod
  • Farnworth
  • Horwich
  • Kearsley
  • Little Lever
  • Turton
  • West Houghton


  • Prestwich
  • Radcliffe
  • Ramsbottom
  • Tottington
  • Whitefield


  • Blackley
  • Cheetham Hill
  • Chorlton-cum-Hardy
  • Didsbury
  • Ringway
  • Withington
  • Wythenshawe


  • Chadderton
  • Crompton
  • Failsworth
  • Lees
  • Royton
  • Saddleworth
  • Shaw


  • Heywood
  • Littleborough
  • Middleton
  • Milnrow
  • Newhey
  • Wardle


  • Eccles
  • Cadishead
  • Clifton
  • Irlam
  • Little Hulton
  • Monton
  • Salford
  • Swinton
  • Paticroft
  • Pendlebury
  • Walkden
  • Worsley


  • Bramhall
  • Bredbury
  • Cheadle
  • Gatley
  • Hazel Grove
  • Marple
  • Romiley


  • Ashton under Lyne
  • Audenshaw
  • Denton
  • Droylsden
  • Dukinfield
  • Hyde
  • Longdendale
  • Mossley
  • Stalybridge


  • Altrincham
  • Bowdon
  • Bucklow
  • Carrington
  • Dunham Massey
  • Hale
  • Partington
  • Sale
  • Stretford
  • Urmston
  • Warburton


  • Abram
  • Ashton in Makerfield
  • Aspull
  • Astley
  • Atherton
  • Billinge
  • Golborne
  • Hindley
  • Ince
  • Leigh
  • Orrell
  • Shevington
  • Standish
  • Tyldesley
  • Winstanley


Independent financial advice: Mortgages

We can also help with independent mortgage advice covering a range of different needs, including:

  • First-time buyer mortgage
  • Remortgage
  • Second mortgage
  • Buy-to-let
  • Property investment
  • Shared ownership
  • Self-build / new build mortgage
  • Commercial mortgages
  • Land purchases
  • Specialist mortgages

We access the whole of market to compare hundreds of mortgage deals across a wide range of providers, such as:

  • Aldermore
  • Bank of Scotland
  • Barclays
  • Coventry Building Society
  • Halifax
  • HSBC
  • Leeds Building Society
  • Lloyds
  • L & C
  • Nationwide
  • NatWest
  • Paragon
  • RBS
  • Santander
  • The Mortgage Works
  • TSB
  • Yorkshire Bank

This is only a selection and a specialist provider may better suit your needs better.


Mortgage application process

Whether you are a first-time buyer who needs a guiding hand or a self-employed trader who needs assistance assessing income criteria we’ll be happy to assist you.

Our experienced mortgage team understands that the property journey can be long and complicated.

Issues such as a long property chains, legal concerns, survey problems and money constraints can result in some difficult choices but our team will be there to support you through the process.

To start to understand your needs we’ll be happy to discuss a range of range of issues at your free mortgage advice consultation, such as:

  1. Outlining the big picture
  • How mortgages are calculated
  • Affordability and eligibility criteria
  • Level of mortgage deposit required
  • Calculating potential monthly mortgage payments
  • How loans to value are calculated
  1. Discussing your circumstances
  • First time buyer / remortgaging / buy-to-let
  • Level of house deposit required by lenders
  • Current equity in property
  • Duration of mortgage (10, 15, 20 ,25-year mortgages)
  • Household income
  • Current outgoings and affordability
  • Credit scoring
  • Number of applicants
  1. Discussing the property
  • Is the proposed property purchase in England, Northern Ireland, Wales or Scotland
  • The proposed property purchase price
  • Is the property ownership leasehold or freehold
  • Is the property a main home, a second home or a commercial investment
  1. Discussing your needs
  • New mortgage
  • Mortgage renewal
  • Remortgaging
  • Second mortgage
  • Property investment
  1. Mortgage market research
  • Best mortgage companies and lenders to suit your needs
  • Mortgage sourcing, rates and deals
  • Mortgage costs
  • Fixed or variable mortgage rate offers
  1. Other market factors
  • Stamp duty issues
  • Current mortgage interest rates
  1. Discussing types of mortgages relevant to your needs
  • Interest only
  • Repayment
  • Fixed rate
  • Variable
  • Tracker
  1. Discussing the mortgage process
  • How long the process takes (legal, conveyancing, surveys)
  • Moving home
  • Proving income (e.g., salaried vs. self-employed declarations)

This list is not exhaustive and we’ll be happy to discuss complicated scenarios such as poor credit rating or if you receive an ongoing income from a mix of sources (work, dividends, investments).


Financial Protection for mortgages

If you have a concern that Ill health, injury, unemployment or death could affect your family’s future ability paying bills, providing for children or pay a mortgage then we are also able to discuss financial protection, such as:

  • Life Insurance
  • Income Protection
  • Critical Illness Cover
  • Key Person Cover and Business Loan Protection Cover
  • Private Medical Cover

We also own and manage Sports Financial Services ( so are able to provide specialist financial protection advice if you engage in hazardous sports and occupations.


How much does mortgage advice cost?

We’ll offer you an initial no-risk, no-obligation, free independent mortgage consultation to discuss your needs. Following this meeting we will develop a personal proposal outlining a solution to your stated needs.

In general, we are paid directly by the providers of mortgages so there is no separate fee to be paid by you.

We may in certain instances charge a fee, for example, where the commission payment from a mortgage lender does not cover the minimum costs of our advice.

Issues of costs will be discussed with you in advance at your free consultation and we will not proceed until you are happy with the cost of our mortgage advice.


Mortgage advice: trust and credibility

We believe we offer a great mortgage service and you can check out our reviews on Vouched For here:

Ben Horsfield – Mortgage Advice

Rob Ferguson – Mortgage Specialist


Next steps

If you are thinking of moving home, remortgaging or seeking advice on a property purchase then please contact:

Ben Horsfield ( ) or Rob Ferguson ( ) on 0161 969 1703

We recognise that the traditional 9am to 5pm does not always suit the modern times – so rest assured we are happy to discuss your needs at times that suit your busy lifestyle (just let us know the time and day that suits you).

We’ll be happy to discuss your needs face to face at our office (a beautifully converted chapel) in South Manchester, by telephone, by video call, at your workplace or at your home.


September 2021