Mortgage Brokers
Chester
Your whole-of-market mortgage broker for Chester homebuyers, landlords and businesses
Residential Mortgages
A residential mortgage is a loan secured against a home you live in or plan to live in. You put down a deposit, borrow the rest, and repay it with interest over an agreed term.
First-time buyers across Chester and Cheshire West pay an average of £223,000, so a 10% deposit means saving around £22,300, and at that price first-time buyers pay no stamp duty. Whether you're buying your first home in Hoole, moving up the ladder in Upton or remortgaging when your fixed rate ends, our Wilmslow advisors, around 20 minutes away, search the whole market and guide you through to completion.
Buy-to-let Mortgages
A buy-to-let mortgage is a loan secured against a property you let to tenants. Rents across Cheshire West and Chester averaged £991 a month in August 2026, up 6.1% in a year, and with the University of Chester in the city, student lets and HMOs are a large part of the local rental market.
Buy to let is one of our specialisms at MFB. We work with first-time landlords, limited company buyers, portfolio landlords and HMO investors, and we know which lenders suit each.
Commercial Mortgages
If you're buying or refinancing business premises or a commercial investment in Chester, from town-centre shops and offices to industrial units around the M60, you'll need a commercial mortgage. Lending criteria vary widely with the property and the business.
Our commercial mortgage brokers have long-standing relationships with commercial lenders on and off the high street, and we'll take your case to the most suitable lenders to find the right deal for you.
Bridging Finance
Bridging finance is short-term funding for time-sensitive property deals: auction purchases, breaking a chain, or refurbishing a property before refinancing onto a standard mortgage.
We help Chester landlords, developers, businesses and homeowners weigh up the costs, timescale and exit plan before approaching lenders.
Buying property in Chester
Homes across Cheshire West and Chester sell for an average of £270,000, up 5.8% in the year to July 2026. Here's what that means if you're buying:
- First-time buyers pay an average of £223,000, and pay no stamp duty up to £300,000.
- Home movers buying at the average price would pay £3,500 in stamp duty.
- Landlords buying an average £211,000 terrace would pay £12,270, including the 5% surcharge for additional properties.
- Rents averaged £991 a month in August 2026, up 6.1% in a year.
- Prices are rising, with semi-detached homes up 6.6% over the year.
Sources: house prices (July 2026, provisional) and rents (August 2026) for Cheshire West and Chester from the Office for National Statistics. Stamp duty calculated using HMRC rates for England.
The Chester property market in numbers
1. Average house prices in Cheshire West and Chester
- All homes - £270,000
- Detached - £439,000
- Semi-Detached - £268,000
- Terraced - £211,000
- Flats and maisonettes - £135,000
- First-time buyer purchases - £2234,000
Source: ONS, Housing prices in Cheshire West and Chester. July 2026 figures are provisional.
2. What stamp duty would you pay?
- A first-time buyer, average first-time buyer price of £223,000, would pay £0 in stamp duty
- A home mover to an average Chester home at £270,000, would pay £3,500 in stamp duty.
- A landlord, with an average terrace property at £211,000, would pay £12,270 in stamp duty.
Based on current SDLT rates for England. First-time buyers pay nothing on the first £300,000 and 5% on the portion between £300,000 and £500,000; above £500,000 the relief is lost and standard rates apply. Work out your own with our stamp duty calculator.
3. Buy to let in Chester
Rents averaged £991 a month in August 2026, giving a typical £211,000 terrace an indicative gross yield of around 5.5%. The rent figure covers all property sizes, so your own yield will depend on the property and its location.
- Rising rents: up 6.1% in the year to August 2026, faster than most of the towns we cover.
- Student demand: the University of Chester brings steady demand for student lets and HMOs, which need specialist lenders.
- Commuter links: Chester has direct trains to Liverpool, Manchester and London, and sits close to the M53 and M56.
Learn more about your mortgage options:
What our clients say…
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Calculators
Our mortgage calculators help Cheshire West and Chester buyers and landlords see how much they could borrow, what their monthly repayments might be and how much stamp duty they'd pay. They're a guide only; to secure a rate, speak to our team.
How much can I borrow? Buy-to-let Homebuyer Repayments Stamp Duty EPC Bridging
Mortgage Repayment Calculator
Enter a few details and get an indication of what your monthly mortgage costs could be.
Areas we serve in Chester
Our Wilmslow office is around 45 minutes from Chester, and we help homebuyers, landlords and businesses right across the city with residential, buy-to-let and commercial mortgages and bridging finance. Most Chester clients work with us by phone and video, and you're welcome to visit us in Wilmslow.
We support clients throughout Chester and the surrounding area, including:
- Chester city centre
- Hoole
- Boughton
- Handbridge
- Curzon Park
- Upton
- Newton
- Blacon
- Vicars Cross
- Christleton
- Waverton
- Great Boughton
CONTACT US
You can find us here
Dean Row Court Summerfield Village Centre, Dean Row Rd, Wilmslow SK9 2TB
01625 531 500
Why choose MFB
For more than 35 years, MFB has helped homeowners, landlords and commercial borrowers make informed mortgage decisions.
We provide:
- Whole-of-market mortgage advice
- Product transfer and remortgage comparisons
- Residential mortgage expertise
- Buy-to-let mortgage expertise
- Commercial finance expertise
- Dedicated adviser support
- Assistance from enquiry through to completion
Most importantly, we'll help determine whether a product transfer is genuinely the right option or whether a remortgage could save you money in the long term.
Meet your mortgage makers.
Talk to an expert
We’d love to help you with your property investment plans, so let us know what you’d like to do.
Frequently Asked Questions
Do you have a mortgage advisor in Chester?
How much deposit do I need to buy in Chester?
Will I pay stamp duty on a Chester home?
Is Chester a good place for buy to let?
Can you help with student lets and HMOs in Chester?
Can you help with buy-to-let mortgages?
Do you offer commercial mortgage advice?
Can you help with bridging finance?
How do I get started?
Ready to find your mortgage
The quickest way to find the right mortgage is to speak to someone who understands your situation. Please submit your contact details below to request a call back from one of our qualified mortgage brokers. If there is a particular date or time that you’d prefer to be contacted, please let us know in the message box.