Straightforward mortgage advice for Manchester buyers, homeowners and landlords. We compare suitable options from more than 90 lenders and handle the application through to offer.

More than mortgages, we cover the whole journey
With access to over 90+ lenders
5 Star Reviews
In mortgages arranged for clients



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Manchester offers very different mortgage cases within a small area. A city-centre or Salford Quays apartment may involve lease length, service charges and building-safety documents, while a Victorian terrace in Chorlton or a family home in Didsbury raises different valuation and affordability questions. The right lender depends on the combination of applicant, property and deposit.
We check those details before recommending a mortgage. For flats, that can include ground rent, service charge, construction and EWS1 evidence where relevant. For every applicant, we review income, commitments, credit history and deposit source, then compare lenders whose criteria and overall product cost fit the case.




We help Manchester clients at every stage, including buyers of leasehold flats, growing families, self-employed applicants and landlords with individual or portfolio cases.
We explain what you can realistically borrow, which costs to budget for and what a lender will need, so you can search Manchester properties with fewer surprises.
We compare porting and new mortgage options, factor in the timing of your chain and keep the finance moving as your sale and purchase progress.
We present contractor, freelance and company-director income to lenders that understand the way it is earned, rather than forcing it into a standard employed assessment.
We advise first-time landlords and established investors on rental coverage, property eligibility and ownership structure for Manchester buy-to-let purchases and remortgages.
MBNM supports Manchester clients remotely by phone, video and WhatsApp, with access to more than 90 lenders. We do not claim that one mortgage fits everyone. Your adviser checks the detail, compares suitable products on rate and cost, explains the recommendation and manages the application. You also have one point of contact for updates and lender queries through to mortgage offer.

As an independent broker, MBNM has access to mortgage options from over 90 lenders, giving clients access to deals they won’t find by walking into a single bank.
We regularly handle applications involving self-employed income, remortgaging, buy-to-let properties, and time-sensitive purchases, situations where bank-only advice often falls short.
From your first conversation through to mortgage offer, we handle paperwork, lender queries, and follow-ups, keeping things moving and keeping you informed.
MBNM is FCA regulated and focused on clear, jargon-free advice. No sales pressure, no hidden agendas, just guidance that makes sense for your goals.
We start by understanding the purchase or remortgage, your finances and the property. After checking criteria, we compare suitable lenders and products, obtain an Agreement in Principle where appropriate and submit a properly evidenced application. We monitor valuation and underwriting, answer queries and update you through to offer.
We start with a straightforward conversation to understand your situation, goals, and timeframe. This helps us assess affordability, lender criteria, and the most suitable mortgage options from the outset.
We compare mortgages across the whole market, reviewing rates, terms, and lender requirements to find an option that fits your circumstances, not just what’s easiest to place.
Once you’re happy, we manage the full application process. That includes paperwork, lender questions, and follow-ups, keeping things progressing without unnecessary delays.
When your mortgage offer is issued, we guide you through the final steps and coordinate with solicitors or agents as needed, right through to completion.
If you have a question, please do not hesitate to reach out!
Yes. We check the lease, service charge, ground rent, building construction and any relevant cladding documentation before identifying lenders that may accept the property.
Many do, but deposit requirements, incentives, warranties and maximum loan-to-value can differ. We review the development and your circumstances before recommending a lender.
Yes, subject to affordability and lender criteria. We compare lenders that can use contract income, salary and dividends, profit or other evidenced earnings as appropriate.
Yes. We can advise on suitable lenders and rental-cover requirements. You should take separate tax and legal advice on whether a limited company structure is right for you.
Starting several months before the current deal ends gives time to compare staying with your lender and moving elsewhere, while checking fees and early repayment charges.
Your first chat is free. If we can help, we explain any fee before you decide whether to proceed. There are no hidden fees, and we do not move forward until you have agreed them.
Tell us what you are planning and we will explain the next step. Your first chat is free and appointments are available by phone or video, with WhatsApp updates if preferred. If we can help, any fee will be explained and agreed before work begins.