Tag Archives: mortgage

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.

Didsbury

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.

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 http://www.rightmove.co.uk/property-for-sale/Northwich.html). 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 http://manchestermortgages.co.uk/cheshire-mortgage-broker-advisor/).

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.