Curtis Maher - Practical Mortgage Advisers
Manchester
Mortgage advice covering self-employed, buy-to-let, first-time buyers and 1 more. Curtis Maher has not recorded a fee structure.
Main contact
About Curtis Maher
Curtis Maher - Practical Mortgage Advisers is a UK mortgage broker based in Manchester. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Curtis Maher records 4 areas of advice from its base in Manchester: self-employed, buy-to-let, first-time buyers and residential.
Self-employed and buy-to-let together suit business owners buying property, where income evidence and rental stress testing both have to line up.
Self-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. With self-employed lending also covered, business-owner landlords should find both halves of the case understood.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Paired with self-employed lending, it should cover employed and variable-income applicants equally.
Read the residential guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Curtis Maher
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 4How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 7Do you see clients at your Manchester office, or is this handled by phone and video?
Getting in touch with Curtis Maher
Curtis Maher lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Curtis Maher charge for mortgage advice?
Not recorded on this listing — ask Curtis Maher directly, as it must tell you before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does Curtis Maher handle?
Curtis Maher - Practical Mortgage Advisers records self-employed, buy-to-let, first-time buyers and residential, working from Manchester. Ask anyway if your case sits outside that list.
Does Curtis Maher work with self-employed borrowers?
Yes — self-employed lending is one of the areas Curtis Maher lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does Curtis Maher only cover Manchester?
Curtis Maher - Practical Mortgage Advisers is listed in Manchester, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Manchester on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.