Manchester is the undisputed capital of the North - a city of rapid regeneration, industrial heritage, and booming investment. From the sleek glass towers of Deansgate Square to the Victorian terraces of Didsbury and the creative hub of MediaCityUK, the property market here is diverse, fast-moving, and incredibly competitive.
Whether you are a first-time buyer looking at the new Victoria North regeneration, a growing family seeking a forever home in Altrincham, or an investor targeting the student corridor, you need more than just a mortgage search. You need local insight.
Our Manchester-based advisers understand the unique pulse of this city. We provide expert, whole-of-market advice to help you secure the best financing for your specific needs, right here in the heart of the Northern Powerhouse.
Our Specialist Mortgage Brokers in Manchester
Although our head office is in West Yorkshire, we have advisers who live and work in Greater Manchester. They know the difference between a prime investment in Ancoats and a family fixer-upper in Prestwich. They understand the local market nuances, such as the premium on properties near the Metrolink or the specific criteria for high-rise city apartments.
As a whole-of-market brokerage, we work for you, not the banks. We have access to thousands of mortgage products, including exclusive deals from major high-street names and specialist regional lenders like the Vernon Building Society for more complex cases.
We specialise in:
City Centre & Apartment Mortgages: Lending on high-rise flats can sometimes be complex due to ground rent or cladding issues. We are experts in securing mortgages for developments in Castlefield, New Islington, and the Green Quarter.
First-Time Buyer Mortgages: Manchester remains one of the most exciting places to get on the ladder. We help buyers navigate schemes and find affordable options in up-and-coming areas like Levenshulme, Salford, and Stockport.
Self-Employed & Contractor Mortgages: Manchester is a tech and media hub. If you are a freelancer in the Northern Quarter or a contractor at MediaCityUK, we know which lenders will look at your day rate or retained profits to maximise your borrowing.
Buy-to-Let & HMOs: With one of the largest student populations in Europe, Manchester is a hotspot for investors. We provide specialist advice for student lets in Fallowfield and Rusholme, as well as corporate lets in the city centre.
High-Value Mortgages: For clients purchasing luxury homes in the "Golden Triangle" of Wilmslow, Hale, and Alderley Edge, we offer a bespoke private client service.
Commercial Mortgages and Other Specialist Products
Manchester is a city built on enterprise. Beyond standard residential lending, our team supports business owners, property developers, and seasoned investors with complex financial requirements. We have access to specialist commercial lenders who do not have a high-street presence.
Commercial Mortgages: Whether you are looking to buy your own trading premises in Trafford Park, an office in Spinningfields, or a semi-commercial unit in a suburban high street, we can source competitive rates to help your business grow.
Bridging Finance: In a fast-moving market, speed is everything. We can arrange short-term bridging finance for auction purchases (popular in the North West), property refurbishment projects, or to "break the chain" when your purchase is moving faster than your sale.
Secured Loans: Also known as homeowner loans or second-charge mortgages. If you are locked into a low fixed-rate mortgage but need to raise capital for home improvements or debt consolidation, a secured loan allows you to borrow against your equity without disturbing your existing mortgage arrangement.
Other Advisory Services We Provide
Securing the keys is just the first step. Our Manchester team is dedicated to ensuring your financial future is robust and secure. We offer specialist, regulated advice in:
1. Later-Life Lending (Equity Release): For homeowners in Greater Manchester aged 55+, your property could be your most valuable asset. Our qualified later-life lending specialists can help you understand how to unlock tax-free cash from your home. Whether you want to gift a deposit to a grandchild or fund a more comfortable retirement, we explain the options clearly and without pressure.
2. Insurance and Protection: In a city that never sleeps, peace of mind is vital. Our protection advisers will review your personal circumstances to ensure you and your family are covered against the unexpected. We offer tailored advice on:
Income Protection (Essential for our self-employed clients)
Home Insurance (Buildings & Contents)
Reviews for our Manchester-based advisers
You can read reviews from our existing customer, some of whom are based in and around Manchester, below:
Why Choose Our Manchester Advisers?
We combine the personal touch of a local broker with the clout of a national firm. We know that buying a property in Manchester moves fast - often faster than in London. You need an adviser who can move quickly, has direct lines to business development managers at the banks, and can push your application through to offer.
We handle the entire process for you. From dealing with estate agents in Chorlton to chasing solicitors in Spinningfields, we take the stress out of the transaction so you can focus on planning your move.
Don't leave your mortgage to chance. Speak to a team that knows Manchester as well as you do. Get in touch for a friendly, no-obligation chat to see how we can assist with your property goals.
FAQs
Your initial consultation is always free and without obligation. We use this time to understand your needs. We are transparent about our fees from day one. Typically, a fee is only charged for our specialist advice once your mortgage successfully completes. If we don't secure your mortgage, you don't pay us a broker fee.
Find your local adviser
- Residential mortgages: Everything from fixed-rate to tracker mortgages for first-time buyers, homemovers and remortgage borrowers
- Specialist mortgages: For borrowers who fall outside of standard lending criteria, including people with bad credit, self-employed professionals and more
- Later-life lending: Including advice on equity release, mortgages for pensioners and retirement interest only (RIO) mortgages
- Bridging & Commercial: We have specialist advisors on hand for commercial mortgages, bridging loans, development finance and more
- Insurance & Protection: Including life, home and critical illness cover for families and individuals, as well as landlord and business protection insurance
Echo Finance is regulated by the Financial Conduct Authority and is reviewed annually by an independent compliance company. All of our brokers and advisers hold industry-standard qualifications, such as CeMAP, CeRER and DipMap, where required.
We are committed to providing advice through the channels that best suit your needs. Our brokers can provide advice via phone, email, video and web chat from anywhere in the UK, but we also aim to offer face-to-face appointments for those who request them.