Mortgage Managers Ltd
Dundee
Mortgage advice covering later life / equity release, help to buy, buy-to-let and 1 more. Mortgage Managers Ltd has not recorded a fee structure.
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About Mortgage Managers Ltd
Mortgage Managers Ltd is a UK mortgage broker based in Dundee. Its website describes mortgage advice for buy-to-let, first-time buyers, later life lending. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Mortgage Managers Ltd records 4 areas of advice from its base in Dundee: later life / equity release, help to buy, buy-to-let and first-time buyers.
Later Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideHelp to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy 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. 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. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
Read the first-time buyers 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 Mortgage Managers Ltd
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?
- 3What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 4What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 5How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 6What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 7Do you see clients at your Dundee office, or is this handled by phone and video?
Getting in touch with Mortgage Managers Ltd
Mortgage Managers Ltd 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 Mortgage Managers Ltd charge for mortgage advice?
Not recorded on this listing — ask Mortgage Managers Ltd 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 Mortgage Managers Ltd handle?
Mortgage Managers Ltd records later life / equity release, help to buy, buy-to-let and first-time buyers, working from Dundee. Ask anyway if your case sits outside that list.
Does Mortgage Managers Ltd advise on equity release and later-life lending?
Mortgage Managers Ltd lists later life and equity release among its areas. This is separately regulated advice and an adviser needs a specific qualification to give it, so ask which one they hold. Ask too about the alternatives — a retirement interest-only mortgage or downsizing may cost your estate far less than a lifetime mortgage.
Does Mortgage Managers Ltd only cover Dundee?
Mortgage Managers Ltd is listed in Dundee, 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 Dundee 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.