Roberts McBain Mortgage & Finance Ltd
Manchester
Mortgage advice covering bad / adverse credit, commercial, buy-to-let and 1 more. Roberts McBain Mortgage & Finance Ltd has not recorded a fee structure.
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About Roberts McBain Mortgage & Finance Ltd
Roberts McBain Mortgage & Finance Ltd is a UK mortgage broker based in Manchester. Its website describes mortgage advice for residential mortgages, buy-to-let, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Roberts McBain Mortgage & Finance Ltd records 4 areas of advice from its base in Manchester: bad / adverse credit, commercial, buy-to-let and residential.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
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. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
Read the buy-to-let 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. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
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. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
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 Roberts McBain Mortgage & Finance 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?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 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?
- 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 Roberts McBain Mortgage & Finance Ltd
Roberts McBain Mortgage & Finance 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 Roberts McBain Mortgage & Finance Ltd charge for mortgage advice?
Not recorded on this listing — ask Roberts McBain Mortgage & Finance Ltd directly, as it must tell you before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Roberts McBain Mortgage & Finance Ltd handle?
Roberts McBain Mortgage & Finance Ltd records bad / adverse credit, commercial, buy-to-let and residential, working from Manchester. Ask anyway if your case sits outside that list.
Can Roberts McBain Mortgage & Finance Ltd help if I have bad credit?
Roberts McBain Mortgage & Finance Ltd lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does Roberts McBain Mortgage & Finance Ltd only cover Manchester?
Roberts McBain Mortgage & Finance 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.