We recently helped a couple obtain a mortgage for a house they wanted to buy in Didsbury, Greater Manchester. He’s some feedback they provided about their story:
“I didn’t realise how difficult it would be to get a mortgage appointment even though I live in Didsbury village surrounded by banks and Estate agents.
My partner and myself work in the centre of Manchester Monday to Friday and the earliest appointment we could get was in four weeks time with the Halifax. We couldn’t even get passed the door at the Nationwide, Cheadle branch.
We are both currently renting and have saved a deposit for a house and were being given money from my partners family towards the purchase.
But how would we find out what we could afford without knowing what we could lend ?
My partner stumbled across Manchester Mortgages when looking on the internet.
We were able to speak to an adviser that day and an appointment was made for 2 days time.
We were advised how much money we could borrow and how much it would cost so we now have a better idea of what we are now able to look for.
The mortgage adviser also explained what other costs were involved like solicitor costs and survey.
The meeting was informative and gave us a lot of food for thought and we now have a much better understanding of the house buying process.”
Chatterton Place is a select development of new build homes currently being built by Eccleston Homes in the up market of Ramsbottom, Bury in Greater Manchester.
The reason this news has found it’s way onto the Yaxley site is that this new housing development will be of interest to a great number of people as Ramsbottom was recently voted one of the top places to live in the UK by The Times newspaper.
One of the reasons is the beautiful surrounding greenbelt countryside and the excellent local schools. There are 3 that are OFSTED rated as ‘Outstanding’ – St Joseph’s RC, Hazelhurst Community and Ramsbottom Stubbins which is about 100 yards away from the Chatterton development.
Having lived in Stubbins, Ramsbottom for 2 year myself I can attest to it’s beauty. In fact all my children went to Stubbins primary school and I too would recommend it.
So what is it about living in Ramsbottom? For me it’s the country feel. When I was younger I lived in Eccles and became fed up of the inner city lifestyle. Living in Ramsbottom gives you and your family space to breathe. You can get out an walk in nature, see wild animals and flowers and stroll through many of the local woods. The town is not very big so there aren’t many people, just lots of open green space where you can feel blessed to be living.
Recommended Mortgage Brokers – Ramsbottom and Bury
Here at the Yaxley blog we’re always on the look out for the latest reviews and information about mortgage brokers and advisors in Manchester. To see the mortgage brokers we recommend throughout Bury and Ramsbottom please see our home page
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.
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.
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.
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 https://www.manchestereveningnews.co.uk/news/property/buying-a-house-in-didsbury-12924443). 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. https://www.coventrybuildingsociety.co.uk/) 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.