Mortgages
Natwest award
Chartered Financial Planner

We’re award-winning mortgage advisors

Our team of award winning mortgage advisors are on hand to provide you with the best advice and tailored mortgage solutions for your personal circumstances. We’re proud of our recommendations and thankful for our 5-star reviews and testimonials. See the below links to find out more:

Home Mover Mortgages >

Remortgages >

Buy-to-Let Mortgages >

First Time Buyer Mortgages >

Help to Buy Mortgages >

Self-Employed Mortgages >

Mortgage Capacity Reports >

We offer a FEE FREE, no obligation, initial consultation, contact us >

Google Rating
5.0
Based on 86 reviews
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Google Rating
5.0
Based on 86 reviews
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Helping you to move home

We’re happy to help home movers, whatever their circumstances.  Whether you are considering how much you could raise on a mortgage for your new house or have already found your new dream home, we’re here to help.  As award-winning mortgage brokers, we provide expert mortgage advice on suitable mortgage deals to make the home moving process as straightforward as possible.  Mortgage applications are very personal to you so what product offers and deals you can get depends on your circumstances.  Read more about Home Mover Mortgages here >

Use our calculator below to work out how approximately much you could afford to borrow, and contact us to find out more >

Helping you to get the best remortgage deal

Whatever your remortgage requirements, Money & Mortgages are here to help.  Some people switch mortgages because it will work out cheaper for them overall Other people remortgage to consolidate their debts or look to borrow more.  Remortgaging isn’t always the most suitable option and depends on your product and lender criteria as well as your personal financial circumstances.  We provide expert financial advice on suitable deals for your circumstances to make the process as straightforward as possible.  Remortgage applications are very personal to you so what product offers and deals you can get depends on your circumstances. Read more about Remortgages here >

Use our calculator below to work out how approximately much you could afford to borrow, and contact us to find out more >

Helping you to get on the property ladder

Buying your first home can be tough and we’re happy to help.  Money & Mortgages will expertly guide you through the first time buyer process from start to finish.  We will help you to understand your personal financial circumstances and calculate what you can afford.  For example, with the government’s Help to Buy: Shared Ownership scheme you can buy as little as 25% or as much as 75% of a home and pay rent on the rest.  Mortgage applications are very personal to you and so the product offers and deals you can get will depend on your circumstances. Read more about First Time Buyer Mortgages here >

Use our calculator below to work out how approximately much you could afford to borrow, and contact us to find out more >

Helping you to buy

Money & Mortgages are proud to work with some of the most exciting and innovative developers in Manchester and the North West.  Many of these developers are in contract for Help to Buy, the governments’ Help to Buy scheme which offers Equity Loans and Shared Ownership options.  Our award-winning mortgage advisors will expertly guide you through the first time buyer process from start to finish and help you to understand your personal financial circumstances and calculate what you can afford. Read more about Help to Buy Mortgages here >

Use our calculator below to work out how approximately much you could afford to borrow, and contact us to find out more >

Making the most of property investment

Money & Mortgages are very experienced in all aspects of Buy-to-Let investments including off-plan property.  We’re proud to work closely with residential developers across the North West. Working out the potential rental yield of a buy to let property will allow you to estimate the return on your property investment, so you can ensure that your rental income is sufficient for your investment.  The rental yield calculator below enables you to enter the costs associated with the acquisition of a buy to let property in order to see the potential return on your investment, however  Buy to Let mortgage applications depend on your personal circumstances. Read more about Buy-to-Let Mortgages here >

Please talk this through with one of our qualified financial advisers, contact us to find out more >

Helping small business owners

Money & Mortgages are very experienced in all aspects of helping self-employed, freelancers and independent contractors to get a mortgage as long as they meet the lender’s criteria.

Our team of award winning, expert mortgage advisors are on hand to provide you with the best advice and tailored mortgage solutions for your personal circumstances, contact us to find out more >

 Read more about Self-Employed Mortgages here >

Please talk this through with one of our qualified financial advisers, contact us to find out more >

Certified experts

A mortgage capacity assessment report is an in-depth report detailing the amount and type of mortgage you are likely to get after a divorce or separation. Many clients use the report as a starting point for discussions regarding financial settlements including as part of DIY divorce kits. It can be very useful for solicitors in family court proceedings and can often have a direct impact on any settlement.

Money & Mortgages are certified experts.  Our team of award winning, expert mortgage and financial advisors are on hand to provide you with the best tailored solutions for your personal circumstances.  A member of our team also has Chartered Financial Planner status- the gold standard in financial planning.  This ensures that your mortgage capacity assessment is deemed as credible by solicitors and the courts.

The bespoke assessment report (from £195) will compare the level of maximum borrowing with the amount of mortgage that you can afford to maintain.   Read more about Mortgage Capacity Reports here >

Please talk this through with one of our qualified financial advisers, contact us to find out more >

Why Choose Money & Mortgages?

  • We love what we do

  • We’re a team of trusted, award-winning financial advisors

  • We offer no jargon, just clear, straightforward professional financial advice.  

  • We search a comprehensive range of mortgage products to meet your needs – from high street lenders, regional building societies and intermediary only-lenders – we’ve got it covered. We have access to exclusive mortgage deals, many of which you may not find on the high street or from any other advisors

  • Some lenders require that you use a broker and won’t accept applications directly from applicants, which means we can give you access to more lenders and better rates

  • We’re highly recommended for taking care of everything-  expert advice, a simple and cost-effective process and seamless service

  • We offer a fee FREE, no obligation, initial consultation. Contact us here >>

Try one of our online tools

For illustrative purposes only

Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

A Lifetime Mortgage is not suitable for everyone and may affect your entitlement to means tested benefits so it is important to seek financial advice before taking any action.  If you are considering releasing equity from your home, you should consider all options available before equity release.  The interest that may be accrued over the long term with a Lifetime Mortgage may mean it is not the cheapest solution.  As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time reducing the equity left in your home and the value of any inheritance, potentially to nothing.  Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries as a Lifetime Mortgage could have an impact on potential inheritance.  We would also encourage you to invite them to join any meetings with your financial adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead.

Money & Mortgages and Openwork awards

Trusted by our clients

Just renewed a part of our outstanding mortgage with Paul from Money and Mortgages UK. Very professional and helpful. We were recommended Paul by a family member and he has always given that professional service that the customers want. First class!
David S.
David S.
1709824171
As a first time buyer, I was daunted at the prospect of getting a mortgage. Paul Elliot and his team made it feel like the easiest process in the world. I highly recommend their services. Nothing is too much trouble, responses are almost instant, there is no need to chase them for anything as... everything happens like clockwork!!read more
Richard L.
Richard L.
1709812296
Jon and Jade were so easy to work with on our house purchase. Proactive thinking and very quick to respond. Would highly recommend Money & Mortgages, and will definitely work with again.
Rob W.
Rob W.
1692715870
Both Paul & Jade were lifesavers throughout our buying process. As first time buyers, we had so many questions and uncertainties and Paul was always on hand to answer anything and was super honest with our options throughout! It was so handy having them do all the hard work behind the scenes for us... when applying for our mortgage and we would definitely use them again in the future! Thank you!read more
EmBarnes
EmBarnes
1692038436
Jade and Paul have been brilliant from the start of this process to the end, informing me every step of the way. I can't thank them enough for their guidance and help and I'll be back when my current mortgage deal runs out.
Clare G.
Clare G.
1688470208
Benjamin C.
Benjamin C.
1683207214
I cannot thank Paul and Jade enough for their help over possibly the longest house purchase ever!Paul helped us in the process of porting our previous mortgage, over to our new property with some additional borrowing. The process was made so simple and the did all the leg work for us, which was a... massive help when you are stressing about the conveyancing process.Jade was fantastic at keeping on top of solicitors, although they didn’t like responding to her. Jade made sure everything was in place, such as life insurance and got one of her colleagues to arrange home insurance with me, so moving in would be a smooth process.Paul and Jade are the reason I returned to use money and mortgages and I will continue to use them in the future.Thank you for helping us buy our dream home.Scott & Catharineread more
Scott G.
Scott G.
1679767948
We have used Money & Mortgages twice over the past few years. First to buy our first home, then when we moved. They were recommended from parents.Advice and guidence could not have been better nor friendlier. We have always been amazed at how quickly communication went and how thorough the team... are.Highly recommended.read more
Chris H.
Chris H.
1664316480
I am returning customer. Paul was amazing to deal with from start to finish. Very helpful and always there to answer any questions.100% recommend.
Patrycja M.
Patrycja M.
1657721810
M&M never let us down. We’ve been using their services for 8 years and this time we’re taken good care of by James.James was an absolute star. Very personable and made the whole process of getting a mortgage for a new property easy. He also managed to switch us onto a fixed rate mortgage for our... other property which the bank had previously refused to do when we tried several times prior.Really can’t speak highly enough of James and the whole Money & Mortgages team. Thank you all.read more
Gary S.
Gary S.
1654108045
Stephen Seward from Money & Mortgages is absolutely first class, extremely helpful and very friendly, Stephen definitely knows his job, he goes out of his way to find the best deal suitable for you, I would absolutely recommend, I wouldn’t use anyone else now
Gym F.
Gym F.
1653908224
Really fast efficient and reliable service, couldn’t recommend them enough . Everyone who dealt with our mortgage was really friendly and polite. Top quality service!!!!!
William R.
William R.
1650386484
I am now a returning customer of money & mortgages. My initial enquiry was a renewal of my buy to let property. Jon was extremely efficient in gaining a fantastic deal to suit our needs. We received support from the first contact to the completion of the product. We then needed to remortgage our... own home as our current deal was coming to an end. There was only one company I was going to give my return business to after the excellent service we received the first time around. Once again absolutely exceeded our expectations. Prompt contact with a very competitive new deal which not only cleared the existing mortgage but gave us extra funds to clear some other debts and look at some home upgrades. We received constant phone/email support from Megan who consistently chased the legal firm and kept us fully updated throughout. Absolute 5 star service and I would happily recommend to anyone looking for a professional, personal and prompt serviceread more
Kelly J.
Kelly J.
1649710279
Have used every time we have done a mortgage or remortgage, Jon explains everything very simply and gets us the best deal, once the offer is received you are then looked after until completion with any issues explained and followed up with the solicitors. Would definitely recommend Money &... Mortgages!read more
ABIW P.
ABIW P.
1648641918
Hi, Just bought our first property and couldn't speak highly enough of Money Mortgages! Thanks James and the team. Danny B
Danny B.
Danny B.
1648128299
The service I received from James was second to none. He went above and beyond, supporting me through the whole process of buying the house, not only finding me a mortgage. Truly a 5 star device. I would definitely recommend.
Clelia Lo V.
Clelia Lo V.
1647817448
Fabulous service from start to finish for Paul and the team. Talked us through options and really helped up choose the right product. Can't thank them enough.
Krystine L.
Krystine L.
1647545114
Wanted to say a massive thank you to James Lawton for helping through my first time buy. Been with me from the start and only a phone call away for when i needed anything. Would highly recommend! Great Communication and Advice.
Bruno P.
Bruno P.
1645789626
I recently used Money & Mortgages to re-mortgage, they found me a really good deal (much better that the one I was on). They were very professional and helped me through out the process, would definitely recommend using them.
Cefin W.
Cefin W.
1643726414
Excellent company that provides an excellent service from beginning to end: sensible, balanced, customer-focused advice; helpful, responsive and supportive customer service. Will definitely use Money & Mortgages again.
Richard Girvan (.
Richard Girvan (.
1640846479
Jon, Kelly, Megan and Jade are a delight to deal with. They helped with my mortgage back in 2014 and were outstanding with my remortgage in the difficult pandemic years. They are responsive, professional, caring and were the only ones that took the time to help me through a difficult remortgage... process. They are hands down the most reliable and trustworthy business I have come across in the UK and I am not sure what I would have done without them. I would highly recommend.read more
Damiana C.
Damiana C.
1639671072
Great service once again from Steve and Megan - very response and even after they've provided their brokerage service, they keep in touch to see how the purchase is going right up until completion. Hoping to be working with you guys again very soon.
Mark C.
Mark C.
1638796308
Jon and the team at Money & Mortgages provided us with a professional and friendly service !They worked quickly and efficiently with great communication every step of the way to find us a mortgage under tricky financial circumstances ! Could not recommended them more :)
Lucy B.
Lucy B.
1637075124
Jon and the team did an incredible job in sorting my recent re-mortgage. Such a professional service and all the team always respond immediately to any email/call. I wouldn't hesitate in recommending Money and Mortgages to anyone looking to re-mortgage.
Paul D.
Paul D.
1636405874
New Mortgage handled with no issues. All very professional with regular updates
Paul G.
Paul G.
1635857558
My wife and I recently used James Lawton from Money & Mortgages for assistance with our first property mortgage. James went above and beyond what we expected and was always on hand to answer any questions and walk us through the whole process. From our experience, if you want personalised, friendly... advice and support whilst buying your first home and navigating the mortgage process as well as, life and critical insurance cover, we would highly recommend James and Money & Mortgages.read more
Max G.
Max G.
1632836901
James Lawton arranged my new mortgage. He was extremely professional and explained everything to me in simple terms. Communication was great throughout and everything was set up smoothly. Would recommend!
Marissa W.
Marissa W.
1632467116
Just bought my first flat with Steve Seward and Megan Kittrick and they made the whole process so easy and stress-free. Very professional and always very responsive. Totally removed all the hassle of what seemed like a never ending and daunting process and I would encourage anyone reading this... review to consider getting in touch with them. Highly recommend. I will definitely use again when my mortgage deal is up.read more
Iwona S.
Iwona S.
1631873906
Our whole experience with Money and Mortgages was excellent from start to finish, who got us our first mortgage. They were always happy to help and answer any questions, helping us feel at ease and in capable hands. We couldn’t recommend them enough! Great service!
Hannah M.
Hannah M.
1630835020
As a worker in the property industry i used the guys at Money & Mortgages for everything in my purchasing process. If you are lucky enough to fall in the hands of Steve Seward and Megan Keerick then you literally have nothing to worry about. From the very first phone call and introduction both of... them have been brilliant in keeping me up to date and been reassuring throughout the whole process (I definitely didn't have the easiest purchasing process!). The price of the broker fees are some what undervalued for the amount of work these guys put in and they are a huge credit to their team and the company they work for. Thanks for everything i will not be using any other broker for any of my purchases!!read more
George B.
George B.
1630677464
Dealt with Paul who was great…Responds to emails quickly and made everything clear throughout the whole process of the remortgage. Would definitely recommend!
Amanda D.
Amanda D.
1630591769
Just completed a re-mortgage via Money & Mortgages. Still consistent and efficient throughout the process, as they were when used in the past. Particular thanks to Paul & Megan.
Dave M.
Dave M.
1627912743
I’ve used Money and Mortgages for arranging mortgages and remortgages for over 10 years and have always been exceptionally pleased with their services, professionalism and expertise. Thanks this time to James Lawton for all his assistance throughout my mortgage offer process: he was always one step... ahead, kept in touch regularly and explained things clearly. Great service, nice people and fairly priced. I certainly recommend the team here.read more
Katherine H.
Katherine H.
1627230983
Money and Mortgages have been fantastic every step of the way with my mortgage application. As a self employed person, mortgages can be a minefield and Paul was patient and extremely helpful throughout the whole process. I was informed at every step of the application, via both email and phone... calls. No question went un answered and my understanding of the process has improved immensely with Paul and Megan’s support. I would highly recommend Money and Mortgages if you are looking for a broker( especially if you are self employed) they are reliable , informative and ,most importantly, understanding of individual circumstances. Their help has proved invaluable to me.read more
Jennie G.
Jennie G.
1626972943
I've used Money & Mortgages several times now and the level of service and attention to detail is second to none. They provided me with a detailed search of mortgage options, helped with a complex purchase and communicated clearly with me throughout, proactively chasing parties along the way. ... I've recommended M&M, especially Paul Elliot and Megan Kittrick to several people now.read more
A G
A G
1626278726
Highly recommend money mortgages. James Lawton has been looking after us and has been brilliant! Keeping us informed, being very patient why we make our decision and helping us every step of the way. I will definitely use again when my mortgage deal is up.
Karen A.
Karen A.
1625811104
I recently purchased my 1st flat and the whole process could not be done in a straightforward way without the team's helps and efforts! Stephen, Luke, James and Megan looked after everything from the very beginning and they are always responsive and professional! Definitely recommend!
Haoyi G.
Haoyi G.
1623787601
I recently opened my first pension with Stephen and couldn’t recommend him enough! With being self employed I really didn’t know where to start. Stephen took the time to go through and explain things in further detail and was always at the end of the phone when I had any questions.A very... trustworthy company, thanks again 👍🏻read more
Lindsey C.
Lindsey C.
1621887307
Amanda and I have sort mortgage and money advice from M&M on a few occasions and each occasion the advice and service has been nothing short of exemplary. We can not recommend this service enough, thank you again and look forward to our next venture with your guiding approach.
Ian J.
Ian J.
1619361468
The staff at Money and Mortgages are very friendly and helpful from start to finish. Fantastic service, they provided us with fair and impartial advice - highly recommend.
Claire H.
Claire H.
1615561012
From start to finish of the whole process, Stephen was attentive and responsive to all my needs and wants. Very happy with the overall service to which I received and especially the overall outcome. Highly recommended.
Jamie D.
Jamie D.
1615482424
I have had the pleasure of procuring Money & Mortgages services since 2014! They are absolutely efficient, courteous, professional and proactive. A big shout out to Paul E., Megan K., Kelly G., James L. and the entire team. I strongly recommend their superb services.
Abass “Juni” B.
Abass “Juni” B.
1614557191
Jon has helped me for many years find the best mortgages to suit my circumstances and I have always found him professional and responsive. Recently instructed Jon to re-mortgage my home and with the help of Megan the whole transaction was smooth and painless. Would highly recommend this company.
Rachel F.
Rachel F.
1613989697
100% recommend - Paul who assisted me went above and beyond and I am so thankful
Tilly T.
Tilly T.
1613063685
Jon organised my first mortgage, despite not having a great credit history he got me sorted and into my first home.Have recently remortgaged onto a much better deal thanks again to Jon.The process both times was efficient, professional and totally stress free for me.I would happily recommend... money and mortgages and in particular Jon.read more
Howard A
Howard A
1608297894
Georgina M.
Georgina M.
1608216518
SPOT ON!!! Was our first time buying a house so didn't have a clue, Jon and James helped us every step of the way, always there for all the questions we had! Made it very easy and a very enjoyable experience! 10/10 would recommend!!
TheBeenhed
TheBeenhed
1607857709
Would recommend M&M 100%. Paul was professional & quick to respond to any queries. As first time buyers he was able to advise what was best for us and provide us with a detailed breakdown of our options.Thank you so much!
Natasha V.
Natasha V.
1606943690
Cannot recommend this company enough.Paul Elliott and team arranged our initial mortgage then two years later we went to remortgage and the process was always professional and efficient. Everything was explained clearly with options for us. A big thank you to Paul Elliot who handled everything so... well. Nothing was too much trouble. Luke and Megan also dealt with any queries professionally regarding the completion process.For a hassle free and professional service please contact them..!!read more
Sam K.
Sam K.
1606693582
Had the most fantastic experience with Money & Mortgages! Stephen & Luke who looked after us made everything so straight forward and understandable. Before buying a house my partner and I where daunted by the whole prospect and they consistently went above and beyond to make sure we knew what was... going on and that we where happy. A fantastic company that I would highly recommend!read more
Jasper C.
Jasper C.
1606296879
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