Mortgage Broker Oldham

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Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
Bespoke Mortgage Rates**
We handle the whole  Mortgage Process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Oldham

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Oldham Tip 1
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Mortgage Broker Tip 1

Mortgage Broker Tip 2

Only started using credit? Don’t open too many credit sources too quickly

New accounts lower your average account age, which can affect your score negatively, particularly if there isn't a lot of other credit information about you readily available.

Additionally, opening a lot of credit accounts rapidly can make you look like a higher risk if you are a relatively new credit user.

First time buyer mortgage

First time buyer mortgages are those which are constructed to appeal particularly to those buying homes for the first time. Some lenders provide incentives such as cashback – a cash lump sum when you've just moved in is perhaps more likely to be attractive to a first time buyer who might have less property etc. than a home mover who has much of the fixtures and fittings to put in place in their new home already bought over the years.

Fixed term mortgages are another example of a device which can be very marketable towards first time buyers. They take these out to have the security of knowing exactly how much they'll need each month to make their repayments. They have to remember to organise a new fixed term when the initial one expires to avoid going on a lender's standard variable rate, but the incentive of saving cash through organising this, perhaps by selecting a new mortgage provider, is arguably likely to appeal as well.


Oldham is a town in Greater Manchester, 5.3 miles southeast of Rochdale and 6.9 miles northeast of Manchester. 

Oldham rose to prominence in the 19th century as an international centre of textile manufacture. Among the first ever industrialised towns, rapidly becoming "one of the most important centres of cotton and textile industries in England". At its peak, it was the most productive cotton spinning mill town in the world, producing more cotton than France and Germany combined. Oldham's textile industry fell into decline in the mid-20th century; the town's last mill closed in 1998.

Today Oldham is a predominantly residential town, and the improvement of the town centre is the focus of a project for transforming Oldham into a centre for further education and the performing arts. It is, however, still distinguished architecturally by the surviving cotton mills and other buildings associated with that industry.

Property Price Stats for Oldham


Average property price in Oldham£139,991
% Change compared to last year5%
Population of Oldham233,759 (2017)


The property price data is sourced from  the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >>Land Registry
 

Mortgage Broker Oldham - Recently Completed

  • Mosshey Street, OL2 8QL
  • Kings Road, OL6 8JX
  • Kenworthy Avenue, OL6 9EH
  • Bowland Close, OL6 8XD
  • Montague Road OL6 6PW

Local High Street Banks in Oldham

Mortgage Broker in and around Oldham

Our Oldham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Manchester, Ashton-under-Lyne, Rochdale, Bury, Salford, Huddersfield and Stockport.

Which banks are local to you?


  • Lloyds Bank - 16 Market Pl, Oldham OL1 1JG
  • Handelsbanken - 9 Salmon Fields Business Village, Salmon Fields, Royton, Oldham OL2 6HT
  • NatWest Bank - 10 Yorkshire St, Oldham OL1 1QT

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Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Oldham

Mortgage Brokers Oldham offering free first consultation (terms apply).

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Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

Independent Mortgage Broker

Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Oldham Mortgage Broker Insider Tips

Instruct a solicitor even before your offer has been accepted.

If you instruct a solicitor at the earliest possible time, once your offer on a Oldham property is accepted, you will be ready to get things underway and the seller will see how intent you are on purchasing their property. 

By being organised you are indicating to the seller that you should be able to complete in good time and the process will be as smooth as possible, thereby potentially increasing your chance of success.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote Fixed Fee – No Sale No Fee – On all Major Lender Panels