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Mortgage broker Aatif Fazal of Frida Finance Financial Solutions provides clear, practical mortgage advice to clients across Greater Manchester and the surrounding areas. He supports first-time buyers, home movers, landlords, and business owners with tailored mortgage solutions based on individual circumstances.
As a mortgage broker in Cheetham, Aatif takes time to understand income structure, residency status, credit history, and property goals. This ensures every recommendation aligns with current UK lender criteria and affordability requirements.
Clients value his structured approach, transparent communication, and focus on long-term financial suitability.
Aatif Fazal specialises in helping foreign nationals secure UK mortgages with confidence. This includes clients on skilled worker visas, spousal visas, and those progressing towards indefinite leave to remain.
Each application is reviewed against lender-specific rules on residency length, visa type, income stability, and deposit levels. Some lenders accept applications with shorter UK residency, while others require higher deposits or UK based income.
Aatif explains documentation requirements clearly, including visa evidence, employment contracts, payslips, and bank statements. This reduces delays and helps avoid unnecessary declines.
Foreign national mortgage advice is always tailored to current lender policy and to an individual’s immigration status. For more information, visit Aatif’s Skilled Worker Visa Morgages page
Residential mortgage advice is available for first-time buyers, home movers, and clients remortgaging in Cheetham and Greater Manchester.
Aatif carefully assesses all income types, including employed income, self-employed earnings, contract income, and overseas income, where applicable. Credit history, existing commitments, and deposit sources are reviewed to ensure affordability criteria are met.
This approach helps clients secure suitable mortgage terms while planning for future financial stability.
Buy-to-let mortgages are suitable for landlords looking to build long-term rental income. Aatif advises both new and experienced landlords across Greater Manchester.
HMO mortgages apply to properties rented to multiple unrelated tenants. These require careful assessment of rental stress tests, local licensing rules, property layout, and landlord experience.
Aatif reviews expected rental income, personal income requirements, and lender criteria before recommending suitable options.
Commercial mortgages support properties such as shops, offices, warehouses, and trading premises. Semi-commercial mortgages apply where residential accommodation is combined with commercial use.
Aatif assesses business accounts, lease agreements, trading history, and property use classifications. This ensures the mortgage structure matches both the property and the borrower’s income profile.
Advice is provided for owner-occupiers and investors.
Bridging finance provides short-term funding where speed is essential. This includes auction purchases, chain breaks, refurbishments, and properties that are not immediately suitable for a standard mortgage.
Aatif reviews the exit strategy from the outset, whether this is a sale or refinance. Interest rates, fees, loan terms, and risks are explained clearly before application.
This ensures clients understand both the benefits and costs of short-term finance.
Limited company mortgages are suitable for property investors using special purpose vehicles. Aatif reviews the company structure, directors’ income, retained profits, and portfolio performance, where relevant.
Second charge mortgages allow homeowners to raise funds without replacing their existing mortgage. These can be used for home improvements, debt consolidation, or property investment, subject to affordability checks.
Each recommendation is based on overall cost and suitability.
Development finance supports ground-up builds and heavy refurbishment projects. Funding is usually released in stages based on build progress and valuation milestones.
Aatif works with lenders who understand residential, mixed-use, and small-scale development projects. He helps clients prepare costings, timelines, and exit plans before submission.
Mortgage advice is supported by protection planning to help safeguard long term financial commitments.
Protection advice includes life insurance, income protection, and critical illness cover. General insurance includes buildings insurance and, where required, landlord insurance.
This ensures clients are protected against unexpected events that could affect mortgage repayments.
Aatif Fazal provides mortgage advice in English, Urdu, and Punjabi, supporting foreign nationals who prefer to discuss financial matters in their first language.
This is particularly helpful for clients on skilled worker visas, spousal visas, or those new to the UK mortgage system. Clear communication ensures that visa status, income sources, and documentation requirements are fully understood.
Multilingual mortgage advice helps reduce delays, avoids misunderstandings, and improves confidence throughout the mortgage application process for foreign national clients in Cheetham and Greater Manchester.
Alongside Cheetham, Aatif supports clients in:
If you are a foreign national looking for a mortgage, Aatif Fazal provides clear, tailored advice based on your visa status, income structure, and UK lending criteria. Complete the form below.
is is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.
