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We are an independent, family-run business that searches the whole of the mortgage market to bring you the very best mortgage and insurance products to suit your personal needs. Our experienced advisors are here to help you move into your dream home. Friendly, fast and hassle-free, our service is available to all. We search the “whole of the market”, meaning we won’t stop looking until we find the very best deal to suit your circumstances.
There are so many things to consider when finding the right financial product, which is why we prefer to meet face to face to put you at ease and answer all your questions. That is why you need a local mortgage broker in Stockport. We’re not just ‘whole market providers’ – we’re full-service providers; we will be there for you every step of the way until completion and beyond.
You might be tempted to go to your own bank as the first port of call, but banks have a vested interest in offering only their own products. For the best possible chance of finding a great deal, it’s been shown time and again that independent advice is the way forward. Woodhall Mortgages are always available for a no-obligation, informal chat to get the ball rolling. We will assign you your own dedicated advisor from start to finish, to be ready at all times to take your calls, answer your questions, and guide you on your journey to homeownership. We pride ourselves on making life easier for you and helping you understand how to navigate what can be a complex, jargon-filled industry. This is the advantage of seeing a local mortgage broker Stockport.
Deciding where you wish to buy your first property is only the first action in getting the keys to your house The process can seem a little overwhelming if you’re totally brand-new to the residential or commercial property ladder, but here at Woodhall Mortgages, we can be with you every step of the way. From finding the very best mortgage deals on the market to liaising with estate representatives and solicitors in your place, our advisors make sure the whole process runs as smoothly as possible.
Even when you have actually been through the process of purchasing a house before, it’s still worth looking for expert assistance if you’re moving to a new home. Having to juggle two houses can be a little complex especially when you’ve got other purchasers in the mix so it works to have a helping hand along the process.
Whether you’re updating your household house or downsizing due to the fact that the kids have actually left home, we can help you find the very best home loan on the marketplace for you to guarantee your relocation is as worry-free as possible.
If you’re aiming to buy a buy-to-let property in Stockport, you’ll need a different type of mortgage than if you were going to make it your house. Our advisors will scour the marketplace for you to guarantee you get the best buy-to-let offer.
No matter if you’re purchasing your first rental property or you currently have a thorough portfolio, getting that extra help is always handy as it permits you to fret about other things!
This includes finding out the current worth of your existing house and just how much you can obtain. Your credit history, incomings and also outgoings play an important role in computing cost.
Where do you wish to move to? How many bedrooms would you like? Do you want a yard, a garage, accessibility to a local school? Once you have actually discovered your best house it’s time to make a deal.
Tell us when you have actually made an offer and we’ll find you the most appropriate deal we can. You’ll require to designate a solicitor to look after the sale of your present home in addition to the acquisition of your new one. We will certainly require his or her details to proceed.
A survey is usually carried out by the lender for peace of mind. This is usually paid for up front by the borrower. If the results are satisfactory to all then a Contract for Sale can proceed. It agrees a price and completion date.
Don’t neglect that selling your existing home might take a while. Are you planning to move after you sell? You might need to rent before moving into your new residential or commercial property or take out a Bridging Loan.
Prior to completion, your solicitor must formally request the finance funds from your lender. When this is attained it is just a matter of grabbing your new keys and moving into your new home!
Just before completion, your solicitor needs to formally ask for the funding funds from your lender. Once this is attained it’s a matter of picking up your brand-new secrets and relocating to your new residence!
As your Mortgage Broker Stockport, we carry out a Fact Finder to establish your personal requirements before we suggest the most appropriate mortgage for your needs. A credit check is then needed for an Agreement in Concept. A formal home mortgage offer can be issued as soon as you have provided all the relevant documents and an appraisal of the home has been undertaken. with the mortgage.
To avoid possible frustration, we recommend you acquire an agreement in Principle prior to you start viewing homes in Huddersfield and the surrounding areas. At the very least you must get one prior to making an offer which can assist your bargaining position when purchasing a home. So if your looking for a mortgage broker stockport we can help
Typically, a mortgage in principle is valid for up to 90 days. If it expires before you need it, you can quite easily reapply, but be careful not to request too many mortgages in principle, as too many credit searches could end up damaging your credit profile.
It may be possible to get a second mortgage on your home in Stockport for things like debt consolidation or home improvements/renovations. It may also be possible to take out a mortgage on a 2nd residential or commercial property if you’re wanting to use it for yourself, a relative, a vacation or a Buy to Let.
The minimum deposit when purchasing a house in Stockport with high street lenders is typically 5%. This can be higher if you have had previous credit problems.
It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.
In preparation for air attacks on this industrial centre, the red sandstone underneath Stockport was burrowed with nearly a mile of underground tunnels. The warren of tunnels was started in 1938 and eventually expanded to accommodate up to 6,500 people. The shelters are owned by Stockport Council, and in 1996 the biggest tunnel was opened to the public. You can see life through the lens of a war-time Stockport resident, and using an audio-guide you’ll feel what it might have been like to await an air raid in this space.
This newly restored Tudor manor house is in 70 acres of landscaped parkland to the south of Stockport. Bramall Hall reopened in 2016, and you can appreciate the ornate studwork on the facade, the enigmatic wall paintings from the 1500s, masterful Elizabethan plasterwork and the Victorian kitchens and servants’ quarters. The gardens, once part of a huge 2,000 acre estate, were remodelled in the Romantic Victorian style in the 1880s. They are dotted with towering ancient trees and have a terrace leading down to a tangle of brooks and little lakes.
The stirring Wellington Mill (1831) is the venue for a charming museum about Stockport’s hat-making industry, appealing to everyone from fashion fans to industrial historians. The Wellington Mill started out as a cotton-spinning factory before being converted into a hat works in the 1890s. You can explore two floors of interactive exhibits taking you back to when Stockport was the UK’s hat-making capital.
Not just is Stockport a hassle-free home for commuters, it is a family-friendly town and has lots of good fee-paying and state schools to choose from, among lots of extremely high rated by Ofsted. “And, if checking out the countryside if your thing, Lyme Park is nearby as are the windswept landscapes of the Peak District.
Where to buy in Stockport – Some exceptionally great and relatively well-priced late-Victorian and Edwardian houses. The avenues of Bramhall are lined with huge stacks; more detailed in, Davenport has wonderful Victorian rental properties. West to Heaton Mersey and Heaton Moor, on and off Didsbury Roadway and Heaton Moor Roadway is denser. Hazel Grove for more modern-day suburban areas. Big removed and townhouses, ₤ 350,000- ₤ 1.6 m. Separated and smaller townhouses, ₤ 200,000- ₤ 350,000. Semis, ₤ 120,000- ₤ 750,000. Cottages and terraces, ₤ 100,000- ₤ 400,000. Flats, ₤ 75,000- ₤ 350,000. Rentals: a one-bedroom flat, ₤ 385- ₤ 675pcm; a three-bedroom house, ₤ 650- ₤ 1,300 pcm.
Stockport is also house to some of the most popular postcodes in Greater Manchester and has a fabulous area, bridging the space between Manchester and Cheshire. The Heatons, Cheadle and Bramhall are a few of the most popular places in the area for households searching for their permanent homes however you can still bag a bargain. New investment in the town centre and wonderful transportation links are encouraging buyers to take a serious look at other areas with more budget-friendly housing significantly popular. Competition for school places has had a knock-on effect on housing costs with homes on Carrwood Road and Broadway, in Bramhall routinely bring over ₤ 1m now.
To the south, Davenport is close to the town centre and has an abundance of budget-friendly housing. It’s also house to worldwide rock band Blossoms.
Now, with a wave of brand-new bars and dining establishments opening up, such as MFDA winning Heaton Hops, it’s simple to see why. There is a growing cafe/bar scene that has been acquiring kudos recently which is quickly starting to competing Didsbury and Chorlton?
Craft beer connoisseurs have enough to wet their whistles at the award-winning Mounting Stone, in Bramhall and The Chiverton Tap in Cheadle Hulme.
Food lover Fridays which happens on the last Friday of every month takes control of Stockport Market Place and is a genuine reward.
According to regional experts, Stockport’s food scene will one day even match the likes of Didsbury and Chorlton. The town is getting a lot of investment with a ₤45m Redrock advancement in Stockport town centre is already underway. This will see a brand-new ten-screen cinema open along with a variety of restaurants including Zizzi and Pizza Express. Stockport is a great place to live some speak to our mortgage broker Stockport to help you get the ball rolling.