Oliver Smith - Mortgage Broker
Mortgage Advice in Manchester & Cheshire
I’m Oliver Smith, a Registered Individual of The Money Group.
I provide clear, friendly mortgage advice for first-time buyers, home movers and homeowners looking to remortgage.
Whether you are buying your first home, moving to a new property or reviewing your current mortgage deal, I can help you understand your options clearly and take the next step with confidence.
First-Time Buyers
Buying your first home is exciting, but it can also feel overwhelming. I can help you understand how much you may be able to borrow, how much deposit you may need, what documents lenders usually ask for and what happens during the mortgage application process.
Remortgages
If your current mortgage deal is coming to an end, it may be worth reviewing your options early. I can help you understand whether a remortgage, product transfer or another route may be suitable based on your circumstances.
Home Movers
If you are moving home, I can help you understand your borrowing position, whether you may be able to port your existing mortgage and what your next mortgage could look like.
Mortgage Protection
A mortgage is a major financial commitment, so it is important to think about how you and your family would manage if life changed unexpectedly. Where appropriate, I can help you understand protection options such as life insurance, critical illness cover and income protection, alongside your mortgage advice.
Why Speak To Me?
Clear Explanations
I explain the mortgage process in plain English so you understand what is happening and why.
Personal Support
You deal with me directly, from the first conversation through to the next steps.
Straightforward Advice
The focus is on helping you understand your options clearly, without pressure or unnecessary jargon.
Your Mortgage Journey
I can help from initial advice to mortgage completion
01
Get In Touch
An informal chat to see what your needs are.
02
Initial Consultation
I gather all of the information I need to recommend the most suitable product for you.
03
Submit Application
If you're happy with my recommendation, I will begin the mortgage application.
04
Mortgage Offer
I'll call you with the good news.
When Should You Get Mortgage Advice?
You may benefit from speaking to a mortgage broker if:
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You are buying your first home;
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Your fixed rate is coming to an end;
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You are thinking about moving home;
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You want to understand how much you may be able to borrow;
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Your income or circumstances have changed;
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You are unsure what documents you need;
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You want help understanding the next steps.
You do not need to have everything worked out before getting in touch. A first conversation can help you understand where you stand.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.