Small by design. A one-to-one service for every client.
Manchester Mortgage Solutions was set up to offer clear, personal mortgage and protection advice – one adviser, fees agreed in writing, and recommendations from a comprehensive panel of High Street and specialist lenders. We're a single point of contact from first conversation through the application.
Why we started
Most people only take out a handful of mortgages in their life. Each one matters – usually it's the largest financial decision of the year, often of the decade. And each one is buried under jargon, paperwork and lender-specific small print that's almost designed to obscure what you're signing.
We think mortgage advice should feel like talking to a knowledgeable friend who happens to have read every lender's criteria – not a hard sell, not a portal you log into, not a 90-page recommendation report.
How we work
You speak to Steve or Claire Baldwin, both CeMAP-qualified, from first call through to completion – and beyond. We charge a clear fee, stated upfront, in writing, before you commit. We tell you when not to remortgage. We tell you when to walk away from a deal.
And we work everywhere. Manchester is home, but our clients are in Glasgow, Bristol, London and everywhere in between. Most of the process happens on a phone call and a secure document portal – the only thing that needs to be local is the estate agent.
Three principles, no exceptions.
If we ever break one of these, fire us.
If we say it, you should understand it
No "MIP" without "agreement in principle" alongside. No "early repayment charge" without showing you the actual cost in pounds. The recommendation lands in writing, in the words you'd use yourself.
The right product, even if it pays us less
Sometimes the answer is "stay where you are." Sometimes it's a product transfer, not a remortgage. Sometimes it's a smaller mortgage, not the maximum you'd qualify for. We say so.
Steady beats clever
We don't chase complexity for its own sake. Where a straightforward product with a competitive rate and clear terms fits, that is usually the right answer – and when a specialist lender is needed, we say so.
Have a quick chat?
Twenty-minute call, no obligation, no diary tetris. Tell us where you are and we'll tell you what we'd do.