Whole-of-market mortgage and protection advice for buyers and homeowners in Wilmslow, Handforth, Alderley Edge and nearby villages. We're based in Warrington and advise you by phone, Zoom or Teams, at a time that suits you.
Mortgage Broker and Adviser for Wilmslow
A Wilmslow mortgage broker that works around you
Many of the Wilmslow clients we speak to have busy working lives. They commute into Manchester, travel for work or run their own businesses. So we keep things simple: we're based in Warrington and advise you by phone or video call in the evening, at the weekend or whenever suits you. You don't need to visit an office.
We compare mortgages from across the market, explain your options in plain English and handle the application, the lender and the paperwork through to completion. That covers Wilmslow town centre, Lindow, Dean Row, Handforth, Styal, Alderley Edge and the surrounding villages.
What's different about borrowing in Wilmslow
Wilmslow's prices are well above the Cheshire East average, so many of our conversations here involve larger loans. That makes the detail matter more: how a lender treats your bonus or dividends, which income multiple it will use, and whether part of the mortgage could be on an interest-only basis. Above £500,000, first-time buyers also lose stamp duty relief.
The town has a wide range of homes. There are older terraced homes and flats close to the town centre, family houses in areas such as Lindow and Dean Row, and new homes planned at the Garden Village at Handforth. That scheme is a Cheshire East Local Plan site for around 1,500 homes, where enabling works began in August 2026. Lenders assess new-build, leasehold and higher-value properties differently, and we check those points before you apply.
Location is a big draw. Wilmslow station has direct trains to Manchester Piccadilly (from about 17 minutes) and London Euston (from just under two hours), and Manchester Airport is close by. If you'll commute, we build travel costs into your budget.
Sources: GOV.UK, Stamp Duty Land Tax: residential property rates; Cheshire East Council, The Garden Village at Handforth and media release of 18 August 2026; Avanti West Coast and Trainline journey planners (fastest scheduled times, October 2026).
Wilmslow property at a glance
£432,000: median price of homes sold in Wilmslow (12 months to June 2026).
£760,000: median price of a detached home in Wilmslow over the same period.
About 4 in 10: share of Wilmslow sales at £500,000 or more, the price above which first-time buyer stamp duty relief no longer applies.
£309,000: average house price across Cheshire East in July 2026, for comparison.
Sources: HM Land Registry Price Paid Data, standard residential sales in the Wilmslow postal town (SK9 1–6, which includes Handforth and Styal), July 2025 to June 2026, 563 sales. Retrieved October 2026. Recent months may be revised as more sales are registered. ONS, Housing prices in Cheshire East, July 2026 (provisional), published 16 September 2026. Contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0. These figures are guides only and don't show what you personally can borrow. (Link "Housing prices in Cheshire East" to https://www.ons.gov.uk/visualisations/housingpriceslocal/E06000049/ .
Get in touch
Tell us what you need and when suits you, and we'll arrange a call. Prefer to talk now? Call 0330 133 2620
Explore our products
First-Time Buyers
Buying your first home in Wilmslow often means a bigger deposit or a higher income multiple, and the £500,000 stamp duty relief cut-off matters here. We work out a realistic budget and explain gifted deposits, joint buying and Lifetime ISAs (for homes up to £450,000). Where appropriate, we get a Decision in Principle so agents know you're ready, then manage the application through to completion.
Remortgaging
Many lenders let you secure a new deal several months before your current one ends, so you don't have to drift onto a standard variable rate. We set your current lender's product transfer options against the wider market. We also look at whether the repayment method still suits you, for example moving some or all of an interest-only mortgage onto repayment, or raising money for home improvements.
Moving Home
Moving within Wilmslow, or into the area from Manchester or further afield, often means borrowing more. We compare porting your current mortgage, including any early repayment charges, with taking a new one. We then plan around your sale and chain and keep your solicitor and estate agent updated, all by phone and email so you don't lose time at work.
Buy-to-let and landlords
Private rents across Cheshire East averaged £985 a month in August 2026, up 6.6% in a year (ONS). We arrange buy-to-let mortgages for first-time, accidental and portfolio landlords, in personal names or through a limited company, and explain how lenders' rental stress tests and your tax position could affect what you can borrow before you commit to a purchase.
Self-employed, directors and higher earners
Company directors, consultants, contractors and people paid significant bonuses or commission don't always fit a lender's standard affordability checks. We look for lenders whose approach matches how you're paid, whether that's salary and dividends, retained profits, day rates or variable bonuses. We also help you prepare your accounts, SA302s or payslips before you apply, so the application is as strong as it can be.
Bridging & Short-Term Finance
Please note: bridging finance will be arranged by introduction only. This service will involve a referral to a third-party specialist. Second charge mortgages are also provided via a referral to a specialist third-party service. I J Mortgage Solutions does not directly advise on or arrange these products. Some forms of bridging finance are not regulated by the Financial Conduct Authority.
Life insurance and protection
A larger mortgage means a larger commitment for your family if you couldn't work or weren't there. We explain how life insurance, critical illness cover and income protection could sit alongside any death-in-service or sick pay from your employer, so you can see where the gaps are. Then we help you choose cover that suits your family, your mortgage and your budget, and review it when things change.
Cover is subject to the insurer's underwriting, and premiums depend on your age, health, lifestyle and the cover you choose. If you stop paying premiums, your cover will end and you will not get any money back.
🔎 Speak to a mortgage broker about your Wilmslow move
Whether you're buying your first home, moving up the ladder, remortgaging or investing, we'll explain your options clearly and handle the rest by phone or video.
Call 0330 133 2620
info@ijmortgages.co.uk · Open 7 days, 8am–10pm
Frequently asked questions
Do you have an office in Wilmslow?
No. We're based in Warrington and advise Wilmslow clients by phone, Zoom or Teams, which most people find easier to fit around work. Face-to-face meetings are available on request.
What is the average house price in Wilmslow?
HM Land Registry data shows a median price of £432,000 for homes sold in the Wilmslow postal town in the 12 months to June 2026, with detached homes at a median of £760,000. For comparison, the ONS average for Cheshire East was £309,000 in July 2026.
Do first-time buyers get stamp duty relief in Wilmslow?
Only on homes costing £500,000 or less. Eligible first-time buyers pay no stamp duty on the first £300,000 and 5% on the portion up to £500,000. Above £500,000 the relief doesn't apply, and around four in ten Wilmslow sales in the 12 months to June 2026 were at or above that level.
How much can I borrow on a higher income?
It depends on the lender and your full circumstances, not just your salary. Many lenders lend up to around 4.5 times income, and some may go higher for certain incomes or professions, subject to their affordability checks. How bonuses, commission and dividends are treated also varies between lenders.
Can I have an interest-only or part-and-part mortgage?
Some lenders offer interest-only or part-and-part (part repayment, part interest-only) mortgages. They'll usually need a credible plan to repay the interest-only portion by the end of the term, and may set minimum income or equity levels. Your monthly payments won't reduce the interest-only balance.
Do you charge a fee for mortgage advice?
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £399. We will confirm how we are paid in writing before you decide to go ahead.
Address
I J Mortgage Solutions, 17 Blackley Close, Warrington, WA4 1JA
Contacts
0330 133 2620
info@ijmortgages.co.uk
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I J Mortgage Solutions
© 2025 I J Mortgage Solutions Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Our FCA number is: 1052669.
Registered Office: I J Mortgage Solutions Limited, 17 Blackley Close, Warrington, WA4 1JA. Registered Company
Company Number: 16927737 Registered in England & Wales
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £399. Your property may be repossessed if you do not keep up repayments on your mortgage.