Author Archives: Bluesman Keith

About Bluesman Keith

Started playing the blues in the 70's, and have seen some great acts through the years. Now I have a blues music club and an interest in music production and computers

Recommended Mortgage Broker in Didsbury

A quick look at the Reeds Rains houses for sale in Didsbury web site lists many houses available to buy in what is a very desirable place to live in Manchester.

Didbury, Manchester

Didsbury is an excellent place to live in Manchester

But why is Didsbury so popular? There are many reason, a big one is being in very close proximity to Manchester city centre, but still having the feeling that you are separate from it. Another is the lifestyle, Didsbury is quite well off, many families with a yearly income of at least £60k live in Didsbury. This money makes it a pleasant community to live in. Third is the schools, there are many decent schools, for example the Didbsury CofE Primary has an “outstanding” OFSTED rating.

So how do you actually get a mortgage and buy a house in Didsbury? One of the best known recommended mortgage brokers in Didsbury is Alan Dee of Manchester Mortgages. His mortgage advice is highly regarded and he brokers many mortgages for people moving to Didsbury each year. Covering the surrounding areas for Withington, Fallowfield and Chorlton, Andy says “There are some excellent mortgages that are available to people wanting to move into the villages of Didsbury and Chorlton at the moment. Getting a fixed rate deal for 2 or 5 years will ensure you beat the rise in inflation too.”

It’s always a good idea to get advice from a mortgage broker when you are buying a property, even if you don’t end up using their services. With over 30 years experience in getting mortgages for people wanting to move to Didsbury, Alan’s knowledge of the local area is much sort after and a valuable commodity in this day and age.

House Mortgages in Warrington

Warrington is an interesting place to live, in between Manchester and Liverpool and well connected by both the M62 and M6 it has great access to all 4 compass points of England. With areas like St Helens and Culcheth nearby, there’s a great choice of different areas to buy houses in too (see this conversation on Mumsnet for more).


Browsing Rightmove for houses for sale in Warrington produces a typical mixed bag of results, and there’s plenty of different houses available to suit different tastes and affordability.

Popular mortgage brokers are currently offering great mortgages on houses in Warrington for all types of buyer – ie. first time buyers, people who want to remortgage, those who wish to move into the area and those wanting to upsize into a bigger property. Indeed a popular mortgage broker from Manchester is currently offering a fixed term 5 year deal at a very attractive interest rate. It’s a mortgage deal that’s proving very popular with the inhabitants of Warrington, many of whom are from St Helens and are moving to Culcheth.

For those of you who don’t know, St Helens is a town – known for it’s rugby league team and has more of a city feel, Culcheth is out in the countryside and is known for its beautiful green parks and steam rallies during the summer months.

If you’re wanting to find a mortgage lender who can advise you on properties in the Warrington area then browse the pages of this blog to find some recommendations.

Remortgaging in Manchester

A popular way of raising extra cash for home improvements or to fund a large expense is to remortgage your house. Remortgaging has become very popular in the last few years and is especially attractive to people whose houses have increased significantly in value from when they first got their mortgage.

remortgage your Manchester home

For example if you first took your mortgage out 10 years ago, your house may have cost you £180,000. Now, 10 years later it may well be worth £250,000, so it’s increased in value by £70,000. You can’t spend this £70,000 however unless you sell your house. By remortgaging you get access to this £70,000.

Remortgaging works by switching your mortgage deal to a new one that releases equity and is more suitable for you. Remortgaging can extend the term of your mortgage and reduce the monthly repayments or you can keep your existing mortgage repayment schedule, often at a cheaper cost.

Remortgage Example
Using the above example, let’s say you’ve a house in Manchester that you bought 10 years ago for £180,000. It’s now worth £250,000, and you’ve got £130,000 left to pay on your mortgage, with monthly repayments of £900. Let’s also say that you want to raise £20,000 for some home improvements. Here’s how it works:

You remortgage your house, stopping your old mortgage arrangement and setting up a new one but instead of borrowing the outstanding £130,000 you borrow £150,000. You can set the term to 25 years or keep your existing one. With interest rates considerably lower now than they were 10 years ago when you bought your house you’ll find that you have been able to borrow more money but are paying back less because of the lower interest rate!

Remortgaging your house makes great sense for many people.

Do you live in Greater Manchester?Celebrate the history of the city by finding out where your nearest blue plaque is at

Mortgage Broker Didsbury

Didsbury is a thriving community of well to do people within Greater Manchester. The area is mainly inhabited by professionals and has always has a sort of cult kitsch about it. Now with the house pricing increasing significantly with Manchester, Didsbury is no exception, and house prices have risen over the last 18 months or so.


With great places to eat, shop and live, Didsbury is attracting many people to the area. In fact, according to the Manchester Evening News it is Manchester’s most expensive suburb (see It’s interesting then that it attacks so many first time buyers too.

“But how does a first time buyer afford a house in Didsbury?” I hear you ask. Well it’s all to do with clever mortgage planning. The chances of first time buyers getting a mortgage in Didsbury from a high street mortgage lender are slim to say the least, however, this is where independent brokers who specialise in Didsbury come into their own.

This is because they are able to find mortgages offered by all lenders, not just those of the Halifax, RBS, Virgin etc. Quite often these larger companies won’t offer you a competitive rate, or even a mortgage deal at all, but smaller lenders (e.g. will be interested in lending you the money – and at a competitive rate too.

So my advice if you’re looking to buy a house in Didsbury is to use an independent mortgage broker. Look around some of the other pages on this site for recommendations.

Buying a House in Chester, Frodsham or Warrington, Cheshire

The M56, otherwise known as the North Cheshire Motorway extends from Manchester and runs west into the Ellemere Port and Chester area of Cheshire. It’s a convenient route for commuters who work in the large cities of Liverpool, Manchester and Chester.

Northwich pubBut let’s not also forget about the smaller towns between Manchester and Chester, such as Frodsham or Warrington, that provide equally good housing (sometimes better) and offer a degree of rural living to people who choose to buy houses and settle here.

Two places of note as one drives towards Chester from Runcorn are Frodsham and Northwich. Both are very pleasant areas, offering lots of countryside and a degree of elegance. House prices reflect this – with many houses coming in the upper income bracket (see Similarly Frodsham (& Knutsford) offer an even higher standard of living for those with the money to be able to buy a house there. With the larger properties of course, often one requires a local mortgage broker to arrange the finance and in Chester and Warrington there is a branch of the popular Manchester Mortgages, who are probably the #1 brokers and advisors for home buyers in the M56 area (see

I look at the houses for sale in both Frodsham and Northwich and am actually surprised to find they are not more expensive that I thought. True I am looking at the ‘top end’ of prices, and there are some very nice houses for less than a million pounds. I also note that in addition to houses for sale there is land for sale too. This will appeal to housing developers who are looking to build some nice properties in the area.

So in conclusion, the M56 North Cheshire Motorway offers a great deal of scope for people who want a semi rural way of life, but at the same time are close to the larger cities of Manchester, Liverpool and Chester to make commuting possible.

Nice Houses in Lancashire

The Lancashire Life magazine run an interesting page related to houses for sale in the North West of England (see The cost of houses is highly dependent on the cost of the land they will be built on and the more desirable the area, the higher the cost of the land.

Pendle walkers

The same magazine provides a useful list of land prices by area throughout Manchester and the north west of England (Lancashire focused), you can see that here:

Clitheroe and Whalley are towns to the north of Manchester that are far enough away from any major conurbations that they qualify as “rural” or “semi rural”. Prices per sq metre of land here are about £300 more expensive that they are in Bury.

A short distance away from these places is Burnley, which has some of the cheapest hour prices in the country. Surrounding Burnley are Hyndburn and Pendle – 2 more ruralish areas where getting a nice house could be within your price range.

Of course it’s not just about location. Most people need amenities to go with the nice location. It’s no good having a lovely house if the nearest school is 10 miles away, or the nearest shop is a 20 minute drive. In some cases, this is the reason that some houses in rural areas of Lancashire are so cheap – the house might be perfect, but it’s very cut off meaning that everything you need is a drive away. This is not ideal, especially if you have a young family that need entertaining.

Channel 4 move to Salford

Salford is one of the cheapest areas of Manchester to live. Officially of course, Salford is a city in it’s own right and is separate from Manchester. And now with the recent announcement by Channel 4 that they are moving to Manchester (, Salford is set to become a boom area for housing and mortgages.

salford university stationSalford is divided into various areas such as Broughton, Claremont, Irwell Riverside, Kersal, Ordsall, Langworthy and Weaste. Mortgages of many different types are available for first time buyers, buy to let, remortgagers and homeowners. Ensure you get a good mortgage deal by seeking out a good mortgage broker: someone who can supply you with all the mortgages available from all the different mortgage brokers, rather than just those of a specific company. Did you know that if you go to the Halifax for a mortgage in Salford, they will only tell you about THEIR OWN products that cover Salford. Similarly if you go to First Direct, they will only tell you about their own products that they offer in Salford.

Salford has good rail links too, with many stops only 5 minutes away from Manchester. Here’s a picture of Salford station, from the University, which is also good.

The moving for Channel 4 to Salford is just one factor that will do a lot for the area of Salford. Expect house prices to rise shortly and property becomes more desirable.

Bredbury, Burnage, Stockport and Mortgages

If you live in the Greater Manchester area, then you’ll probably be familiar with the areas of Burnage and Bredbury. To most Mancunians, Burnage is a poor part of Manchester where the band Oasis came from, and Bredbury is a posh part of Stockport. The two places aren’t that far away geographically, but in terms of house prices and the type of accommodation available they vary considerably.

house for sale in manchester

Bredbury and the well known Bredbury Hall Hotel are both popular areas for homebuyers and home movers. There are less buy-to-let properties available than in Burnage, and more of the desirable 3, 4 and 5 bedroom detached properties that you’d expect from such a smart area.

Rightmove estate agents ( is currently selling 3 bedroom detached bungalows in Bredbury for £300,000 whilst detached houses of smaller size are going for less money. Mortgage experts Manchester Mortgages are advising potential home buyers to be careful in choosing the right mortgage as a poor decision of mortgage lender could reflect in a mortgage overspend of £10,000 or more.

Available houses for sale in Burnage are also highlighted by Manchester Mortgages as being potential traps for people getting the wrong type of mortgage. It’s our advice to (a) choose the area you wish to live in carefully and (b) choose your mortgage broker carefully. Always consider your options when it comes to mortgage lender.

MEN Property Pages

MEN logoIf you’re looking to buy a property in Greater Manchester, may I suggest that you look at the Manchester Evening News’ Property Pages at

While it’s not ideal for locating your dream house in a specific area, it is good for getting a feel of various areas of Manchester, new housing projects and the latest information.

For example you’ll find that Rusholme and Withington are areas of cheaper housing but higher social problems, whereas Cheadle Hulme and Dunham Massey are far more affluent areas with lower crime but high house prices.

Once you’ve got some areas you’d like to start looking at houses in, simply Google something like “Houses for sale in Withington” or “Houses for sale in Rusholme”. What will be returned with be Estate Agents and mortgage brokers in that area. Then you can either visit their web sites to browse the houses they have for sale or call in and speak to them.

For example a recent post in the MEN ( discusses the very high property prices in Hale and Altrincham, where prices are only affordable for very few people.

Know that you’ll need to be in full time employment (ideally) and have a substantial deposit in order to buy a house.