Fidenti Mortgages & Protection Ltd
Manchester
Mortgage advice covering buy-to-let, first-time buyers. Fidenti Mortgages & Protection Ltd is listed as fee-free.
Main contact
About Fidenti Mortgages & Protection Ltd
Fidenti Mortgages & Protection Ltd is a UK mortgage broker based in Manchester. Its website describes mortgage advice for buy-to-let, first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Fidenti Mortgages & Protection Ltd works across buy-to-let and first-time buyers from Manchester — a focused listing led by buy-to-let work.
Buy-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. The firm covers first purchases too, so first-time landlords should not be turned away for having no rental history.
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. On a fee-free listing that removes one up-front cost at the stage you have least spare money.
Read the first-time buyers guideFees: what this means for you
Fee-free to you
Fee-free means the lender pays this firm a procuration fee on completion, so the advice costs you nothing directly. You still pay any lender product fee, valuation and legal costs. 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 Fidenti Mortgages & Protection Ltd
Tailored to this listing.
- 1You list buy-to-let and first-time buyers — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2You are listed as fee-free — does that hold for a case like mine, and what will the lender be paying you?
- 3How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 4What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 5Do you see clients at your Manchester office, or is this handled by phone and video?
Getting in touch with Fidenti Mortgages & Protection Ltd
Fidenti Mortgages & Protection Ltd lists a phone number alongside its own website, so you can either call or start with an online enquiry.
- 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 Fidenti Mortgages & Protection Ltd charge for mortgage advice?
Fidenti Mortgages & Protection Ltd is listed on MortgageMatch as fee-free, meaning the broker is paid commission by the lender rather than charging you for advice. You would still pay any lender product fee, valuation and legal costs. 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 Fidenti Mortgages & Protection Ltd handle?
Fidenti Mortgages & Protection Ltd records buy-to-let and first-time buyers, working from Manchester. Ask anyway if your case sits outside that list.
Does Fidenti Mortgages & Protection Ltd arrange buy-to-let mortgages?
Yes — buy-to-let is one of the areas Fidenti Mortgages & Protection Ltd lists. How much you can borrow is set mainly by the rent the property will achieve against a lender's stress rate, not by your income. Ask about limited-company lending too, since the tax treatment differs and the rates usually do as well.
Does Fidenti Mortgages & Protection Ltd only cover Manchester?
Fidenti Mortgages & Protection Ltd 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.