Living in Manchester As a Young Professional – 4 Things You Need To Know

When you’re starting out in your career, where you decide to live and work can have a big impact on the direction your career takes, as well as your general quality of life.

With a large student population and commercial investment attracting young creative and business talent, Manchester is widely recognised as one of the cities with the highest population of young people in the UK. 

In fact, the Office for National Statistics found that the number of young people living in Manchester had increased by 26% from 2002 to 2017, and there are no signs of that trend slowing down.

There are many factors that contribute to this phenomenon – lower pollution levels, access to parks, top restaurants, job opportunities, lower cost of living – you name it, Manchester has got it.

So why is living in Manchester as a young professional such an attractive prospect? Let’s take a closer look.

Endless job opportunities

One of the top priorities for anyone coming to Manchester as a young professional is, of course, finding a job and building a thriving career. 

The good news is that Manchester is one of the best, if not the best city in the UK to find job opportunities. At any one time, it has around 12,000 live job listings available, many of which are flexible or hybrid working options.

There’s a multitude of flexible and co-working spaces in the city which has attracted the interest of new businesses and independent start-ups that are looking to gain a foothold in new locations.

What’s more, regeneration projects and business investment in the city and neighbouring Salford in recent decades have led to big brand names such as the BBC, Kelloggs and ITV setting up camp in the region.

Starting a career has never been easier, and there’s a real vibrant, exciting atmosphere as you never know which life-changing contact you’re going to meet at any given moment.

A buzzing hive of activity

It’s not for nothing that the symbol of Manchester is the worker bee. The bee came to represent the city’s pivotal role in the Industrial Revolution of the nineteenth century, but in recent years it’s also come to symbolise the buzz of the city.

In Manchester, you’ll never tire of things to see and do. The city has a legendary music and nightlife scene, and there are multiple shopping and leisure hubs to enjoy.

Not only that, there are theatres, cinemas, endless options for restaurants and bars, as well as cultural attractions and events.

Living in Manchester as a young professional shouldn’t be all work and no play. Those moments of disconnect after a long day behind the desk are crucial to maintaining a healthy work-life balance and making the most of your time in this Northern Powerhouse city.

More affordable than London

One of the main reasons why living in Manchester as a young professional is so attractive to many is that while Manchester offers many of the benefits of London life, the cost of living is so much lower in the north.

Manchester offers similar business prospects, cultural and leisure attractions, but the price of rent is much lower in Manchester.

In recent years, many young people have chosen to leave London and move to Manchester precisely because life is more affordable in the north.

According to, the average London gym membership costs around £42.24, compared to £26.35 in Manchester. A monthly travel pass in London costs around £150 compared to £69.78 in Manchester. 

In Manchester, the average monthly rent in the city centre costs around £786.67, while in London you could expect to pay double the price at £1,756. 

Having taken all this into consideration, it’s easy to see why Manchester is the smart option for young professionals that want to get ahead financially as well as career-wise.

Great living locations

Manchester and nearby Salford have undergone a period of renovation in the last few decades. This regeneration has led to a surge in demand for city-centre or Salford Quays based property, which in turn has attracted attention from savvy buy-to-let investors. 

There are plenty of options when it comes to living in Manchester as a young professional, but if you want to know about specific areas here’s a rundown of some of the most desirable living locations in Manchester.

  • Ancoats

Up there with the most popular options for living in Manchester as a young professional, is Ancoats. It’s located close to the trendy Northern Quarter, and also benefits from slightly lower housing prices than in other similar parts of the city.

Ancoats was once the beating heart of the Industrial Revolution, which is reflected in the architecture – many of the modern apartment buildings are actually renovated factories, mills and warehouses situated close to once-bustling canal routes.

The cobblestone-lined streets are lined with independent restaurants, bars and pop-ups, with alfresco dining being popular in this area, as well as well-known venues like Rudy’s and Elnecot’s on Cutting Room Square.

  • Northern Quarter

The Northern Quarter is the creative hub of the centre, frequented by many young creatives who come to take advantage of the nightlife, food, fashion, and music in the area. 

It’s a fantastic place to put down roots if you’re living in Manchester as a young professional. 

Don’t be surprised if you see film crews out and about filming movies in the Northern Quarter – the area often doubles up as New York or Edwardian Britain in TV series and films, thanks to its cool architecture, funky street art and graffiti, and cool ambience.

  • Didsbury

This part of Manchester city is well-known among students and young professionals alike.

There are plenty of young people around, and as a result, Didsbury enjoys a vibrant nightlife scene, excellent restaurants, live music, concerts, and plenty of jobs on offer.

There’s a pleasant community feel here, and you can easily access Manchester City Center via bus routes and regular train services.

  • Salford

Technically considered to be a city in its own right, Salford is situated on an almost imperceptible border with Manchester.

The biggest draw for young professionals in Salford is MediaCity, which is located on Salford Quays. The area underwent intensive regeneration at the beginning of this century, and is now home to some exciting big British institutions like the BBC, ITV, and Kelloggs.

With such promising career prospects, impressive leisure opportunities, not to mention stunning greenery and affordable housing, is it any wonder that Salford has become a prime location for young professionals in the north of England?

  • Rusholme

Rusholme is full of job openings, particularly with software companies, but is also famous for being home to some of the best restaurants in the city, as well as some of the nicest people.

The area is popular with university students, graduates, and young professionals, thanks to its prime location close to the city centre. It’s easy to reach the centre of the action on foot or by catching one of the buses on Europe’s busiest bus route.

Perhaps the most attractive thing about this area is that you can enjoy all the benefits of city life without having to pay a premium – the affordability of the area makes it desirable for young professionals.

  • Castlefield

Many young professionals moving to Manchester opt to live in Castlefield.

This historic area enjoys stunning, tranquil canalside views, all close to the city centre. There are traces of Castlefield’s Roman past in the form of ruins close to Castlefield Bowl, where concerts and events are regularly held.

The industrial legacy of Manchester is evident everywhere, in the canals, cobbled streets, and Victorian mills.

Castlefield offers the perfect combination of proximity to the city centre and quieter canalside life. Think lazy sunny afternoons strolling by the canals and chilled pints at the water’s side, and you’ve got the vibe of Castlefield.

As you can see, living in Manchester as a young professional has many upsides. If you feel the pull towards Manchester living, get in touch with us at New Cross Central today.

Top 10 Best Takeaways Manchester Has To Offer

Playing home to more than 650 restaurants, Manchester offers something for everyone. Whether you’re visiting the city or calling it home, we’re sharing some of the best takeaways in Manchester that are a foodie’s delight. Whether you’re in search of a delicious Thai or a hearty pasta dish, you’ll be spoiled for choice! So, without further ado, we present you with some of the best takeaways in Manchester. 


Rosa’s Thai Café, Deansgate 

When it comes to Thai, Rosa’s Thai Café is one of the best of the bunch. Serving up a delicious all-day menu full of aromatic curries, noodles and starters, you may struggle to narrow down your options. If you’d like a hand making your choice, the chicken satay, drunken noodles and Panang curry come highly recommended! 

Opening hours

Monday – Thursday 12-10.30pm

Friday – Saturday 12-11pm 

Sunday 12-9pm 


Peck & Yard, Chorlton & Ancoats 

Self-dubbed as a ‘Pan-Asian Chicken Shack’, we’d argue that Peck & Yard is home to some of the best wings in Manchester. Ideal for when you’re craving an upmarket fast-food type of takeaway, take your pick from spicy chicken & chip combos, bao buns, burgers and more. 

Opening hours

Sunday – Thursday 4-9.30pm

Friday – Saturday 12-10.30pm  


The Sparrows, Green Quarter

Proclaimed as a ‘glorious carb-fest’ by Guardian restaurant critic Jay Rayner, The Sparrows serves the ultimate comfort food. Fusing Italian with German and Polish influencers, The Sparrows menu will take you on a journey of flavours. From crab ravioli to goulash and focaccia, you can expect plenty of hearty dishes to indulge in at The Sparrows. 

Opening hours

Tuesday – Friday 5– 11pm

Saturday – 12-11pm

Sunday 12-10pm 


Mughli Restaurant & Charcoal Pit, Rusholme 

 There’s no way we can round up the best takeaways in Manchester without mentioning Mughli. If you’ve been along Manchester’s famous Curry Mile, chances are, you’ll have smelt the aromas coming from the much-loved Mughli. Serving up Indian & Pakistani street food, chargrilled and rustic dishes, Mughli is home to Indian soul food at its finest. While we don’t like to have favourites, the tuk-tuk thali, fish pakora and lamb chops come highly recommended. 

Opening hours

Monday – Thursday 5.30pm – 12am

Friday 5.30pm – 12.30am

Saturday 4.30 – 12.30am 

Sunday 2.30 – 10.30pm 


Yang Sing, Chinatown

When it comes to the best takeaways in Manchester, we have to take you to Chinatown too. As one of Chinatown’s highest-rated restaurants, Yang Sing is an excellent choice indeed. With an extensive dim sum menu, bespoke banquets and much-loved classics like won ton soup, Beijing-style duck and wok stir-fried dishes, you are truly spoilt for choice at Yang Sing. But don’t just take our word for it; you need to try it for yourself. 

Opening hours

Monday – Thursday 12 – 11.30pm 

Friday – Saturday 12pm – 12am

Sunday 12 – 10.45pm 



Rudy’s, Peter Street & Cutting Room Square 

When we’re talking pizza joints, you’d be hard pushed to find somewhere as good as Rudy’s. In fact, we’d be surprised if you haven’t already heard of it. As the Neapolitan pizza masters, you’ll soon see why Rudy’s was voted the 10th best pizza in the world back in 2019. From indulgent burrata to portobello and capriccioso pizza and tiramisu, Rudy’s will hit the spot every single time. 

Opening hours

Cutting Room Square

Monday – Saturday 12 – 10pm

Sunday 12 – 9pm 

Peter Street

Sunday – Thursday 12– 10pm

Friday – Saturday 12 – 11pm 


The Spinn, Gatley 

Brought to you by Manchester native and former soap star Adam Thomas and his best friend Scott Graham, The Spinn deserves to be mentioned. Serving up signature burgers like the Mac & Cheese and Chicken, fries, wraps and wings, you’re in for a treat if The Spinn tickles your fancy. 

Opening hours

Tuesday – Thursday 10am – 10pm

Friday – Saturday 10am – Late

Sunday – 10am – 8pm 


The Allotment Vegan Eatery, Deansgate

Whether you’re a plant-based eater or not, the allotment vegan eatery is undoubtedly one of the best vegan takeaways in Manchester. Offering up a fixed priced menu for lunch & dinner, the allotment uses the freshest, local ingredients from sustainable growers wherever possible. As a result, there’s much to be enjoyed at the allotment, from satay skewers and cauliflower wings to mushroom ramen and jackfruit tacos.  

Opening hours

Monday – Saturday 12 – 9pm

Sunday 12 – 6pm 


The Hip Hop Chip Shop, Blossom Street

No one makes a chippy tea quite like the Hip Hop Chip Shop. While we highly recommend going to one of the events, a takeaway is the next best thing. So, whether you opt for a classic fish & chips dubbed ‘The Feastie Boys’, or you opt for halloumi, the bratwurst or the ‘Plant-tast-tic’ vegan fish, you’re in for a treat. In a nutshell, the hip hop chip shop is a chippy on steroids.  

Opening hours

Tuesday 5 – 9pm

Wednesday – Thursday 12 – 2pm, 5 – 9pm

Friday 12 – 2pm, 5 – 10pm

Saturday 12 – 10pm

Sunday 1 – 9pm

Monday – Closed 


Dishoom, Bridge Street

 If you don’t know about Dishoom already, you better get to know. There was no way we could showcase the best takeaways in Manchester without an honourable mention to Dishoom. Serving up classic Indian dishes with a modern twist, Dishoom is a delight for the tastebuds. From a delicious breakfast menu featuring Parsi omelette and bacon naan roll to an all-day menu with the likes of paneer tikka, chole puri and house black daal, it’s a must-try. 

Opening hours

Monday – Thursday 8am – 11pm

Friday 8am – 12 am 

Saturday 9am – 12am

Sunday 9am – 11pm 


So, there you have it. Our top picks of just 10 of the best takeaways in Manchester. No matter what you fancy, you’re sure to find a top-class takeaway to suit your mood and budget in Manchester. Furthermore, when you’re ready to venture out, you’ll have hundreds of restaurants, bars, and clubs at your disposal so you can enjoy the very best of the friendly northern city. Bon Appétit!  


If you’re looking for the perfect base from which to explore Manchester’s seemingly infinite restaurants and eateries, New Cross Central could be perfect for you. Check out our selection of 2-bed apartments and 3-bed townhouses and discover an inner-city lifestyle, without the hustle and bustle.


All you need know about townhouses for sale in Manchester

Manchester has recently been named the best city in the UK to live (and third in the world) (Time Out, 2021), demand for city-centre living is on the up. 

With space at a premium in the city, townhouses offer the square footage and general space that typical family homes provide but have all the benefits of being right in the heart of the city centre. 

Here’s all you need to know about New Cross Central’s townhouses in Manchester city centre: 



An extra floor means extra window space with views of the city.  Some of the townhouses at New Cross Central even open onto a private garden. 

Taking advantage of the sun’s skypath which illuminates the city, residents get some of the best perspectives of the cityscape.

Each home is dual-aspect, meaning there’s no shortage of the Manchester skyline to be seen. 


A Stepping Stone

For those wanting more space than an apartment has to offer but aren’t ready to leave the city for the suburbs in search of a detached house. 

Townhouses offer a great ‘in-between’ in the property ladder, particularly for first time buyers. 



An extra floor provides extra space compared to typical apartment living. The extra square footage means every member of the family can benefit from privacy unlike many other city-living options. 

Typically new build properties’ ceiling height averages 2.4 metres in the UK. At New Cross Central these heights are significantly exceeded, ranging from 3.4-3.9 metres and even stretching to 7.4 metres in some properties. This extra height means the townhomes are light, airy and very spacious. 



Flexibility on Design

Extra space means that you have flexibility of furniture layout.  To make your townhouse a home a personal stamp is easy to make. 

Designed by award-winning architects Hawkins\Brown, New Cross Central blends ultra-modern style with raw beauty. 

Open plan living is finished with high quality wood flooring and natural quartz worktops. Exposed concrete walls and ceilings add character. 

Residents can add a personal touch by choosing the colour palette to match their tastes. 



Prime Location

Being at the heart of an up-and-coming exciting quarter of Manchester, New Cross Central is well connected with easy access to the rest of Greater Manchester and beyond.

A huge draw of owning a townhome is its location.  New Cross Central is perfectly positioned, within 5 minutes walking distance of Manchester’s infamous Northern Quarter. 

There are a plethora of independent shops, restaurants, bars, gyms and cultural offerings on its doorstep. It is at the heart of activity while being far enough away to be a peaceful oasis. 



Living in a townhouse gives you the peace of mind that a neighbour is not far away if needed. 

NCC is designed with building a community in mind. Throughout the development you will find space for residents to get to know each other and relax. 

With a communal landscaped courtyard and a spacious entrance lobby there is room to socialise throughout the space. 



In general Townhouses are more economical when it comes to energy and heating costs. Now more than ever this will particularly benefit residents with steep energy price increases across the board. 


Finding your perfect home

So, you’re deciding whether a townhouse is for you? With its red-brick exterior paying homage to Manchester’s buildings,  a prime location to explore all of the city’s cultural offerings and ingrained community spirit, New Cross Central could be the perfect choice. 3 bedroom townhouses (along with 1 & 2 bedroom apartments) are available to reserve now, contact us today to secure your dream home. 


The 7 Best Cycling Routes in Manchester

Manchester is a city on two wheels. The ever-increasing popularity of cycling is evident all over the city. So much so, that the local government have recently announced plans to update Manchester’s cycling lanes, bringing many more miles of hybrid pedestrian-cycling paths to the city over the next few years. 

The so-called ‘Home of British Cycling’, Manchester is the proud location of HSBC UK’s National Cycle Centre. The Centre was the UK’s first Olympic-standard indoor cycling track, attracting amateur enthusiasts to professional athletes. 

Reaching further afield, Greater Manchester offers a wealth of cycling routes, from canal towpaths to lush country parks. To help you narrow down your perfect choice, we’ve pulled together our seven favourite cycling routes in Manchester. 


The Fallowfield Loop 

Despite its proximity to bustling main roads, The Fallowfield Loop offers a traffic-free haven that connects the leafy suburbs of Chorlton-cum-Hardy and Fairfield. It’s a great way to get around for many South Manchester residents. Running along an old Manchester Central Railway line, it’s completely flat and great for beginners or those who are nervous about road cycling routes in Manchester. 


The Bridgewater Way

One of the most recently improved Manchester cycling routes, The Bridgewater Way is part of a wider regeneration project that aims to connect the city to suburbs from Trafford to Altrincham. Whilst the aim is to open up all 65km of the Bridgewater Canal towpath to cyclists, the currently completed series of resurfaced trails already allows easy access from Altrincham, Trafford, Sale and Stretford all the way to Castlefield in Manchester city centre. The route offers easy access to some great destinations, including the Trafford Centre and MediaCityUK. 


Ashton Canal Cycleway

Following the theme of waterside rides, the Ashton Canal offers riders a scenic route, extending out east of the city centre from Ancoats all the way to Ashton-under-Lyne. Along the way, you’ll see Manchester City’s home ground, the Etihad Stadium. The route offers plenty of opportunities to get off the beaten path and explore surrounding areas. One of these options is Clayton Vale, home of Manchester’s Mountain Bike Trails. For those looking to extend their journey, the connecting Huddersfield Narrow Canal opens up the possibilities to explore the Peak District and the Pennine Bridleway. Both parks are home to national cycle routes and offer great views of Manchester. 


Medlock Valley Way & Daisy Nook Country Park

Speaking of Clayton Vale, this mountain biker’s haven is just a stone’s throw from the more laid-back Daisy Nook Country Park, connected by the Medlock Valley Way. Sprawling throughout the Valley, it’s perfect for a pleasant pedal through one of the more scenic near-city cycling routes in Manchester. Here you’ll find waterside trails, birdlife and fishing spots. 


Route 66 

No, we’re not heading to the US for an epic road trip. The UK’s answer to the iconic highway stretches from Rochdale to Smithy Bridge, following the Rochdale canal towpath. Along this picturesque route, you’ll be able to take a quick detour around the scenic Hollingworth Lake. If you want to extend your adventure, you can continue through Littleborough and onwards into the picturesque market town of Todmorden.


Prestwich Forest Park

Near the banks of the River Irwell, this idyllic forest park offers a great selection of forest and waterside cycling routes in Manchester, just south of Bury. With over 200 hectares of woodland park space, Prestwich Forest Park is a great place for cycling for all the family. More than just one park, you can explore all the smaller parks within the area, made up of Philips Park, Drinkwater Park, Waterdale and Prestwich Clough. The River Irwell also conveniently runs back to Manchester city centre, so it’s a great way to get away from the hustle and bustle of the city for the day! 


Stalybridge Country Park 

Located just outside of Stalybridge, on the doorstep of the Peak District, this beautiful park offers a whole host of scenery within a short drive from Manchester. This 11-mile cycling track takes you around the parks many reservoirs; Walkerwood, Brushes and Shineshaw. Each offers great views, looking out to the vast moorlands of the Peak District. This route makes a great connection from the Ashton Canal Cycleway through to the Pennine Bridleway. You’ll also have the option to join the Tame Valley Way trail to extend your trip. 


If you’re a keen cyclist looking for a base in the city centre to explore Manchester’s cycling routes, our selection of 1, 2 and 3 bedroom apartments and townhouses could be the perfect place for you to call home. Check out our current availability here. 

5 advantages of city living in Manchester

Fancy living in the city? If you’re used to suburban or rural areas, you may want to learn more about city life in Manchester. From better job opportunities to vibrant communities, there are plenty of advantages of city living.

Manchester offers more affordable real estate than other big cities, such as London or Edinburgh. It also offers plenty of green spaces in and around the city. There’s a high pace of change here, with huge amounts of investment and regeneration. It’s a great place to experience urban life at its finest. 

So, you’re considering living in Manchester, or another major city. To help you make your decision, here’s our round-up of the top advantages of urban living.


Career and educational prospects

For professionals and students alike, moving to a city can feel like a must. Manchester is home to some of the world’s largest companies. It’s common for many businesses to base themselves in or around large towns or cities. This gives them access to infrastructure as well as a wide talent pool. Urban job seekers will typically benefit from this, with a wider selection of high-quality roles.

Similarly, city universities offer accessible and exciting educational prospects. There’s plenty of opportunity for those looking to grow and develop amongst the inspiring hustle and bustle of the city. With the University of Manchester and Manchester Metropolitan University in the heart of the city, there’s a thriving student community.


Better transportation systems

From the renowned London Underground to Manchester’s mighty Metrolink. Urban areas are often blessed with superior transport systems than their rural counterparts. Regular and affordable public transportation options will give you easy access to amenities. 

One of the main advantages of living in the city is being able to cut down on the daily commute. Often, city dwellers give up their cars, preferring to hop on their bike or simply walk to their destination. With most places only a stone’s throw away, it’s a great way to keep your transport expenses down.  

Manchester’s location and smaller city-centre size mean there are green spaces in abundance. A quick train journey can see you hiking in the Peak District or Lake District national parks. This offers a perfect respite from the hectic pace of life that comes with urban living. 


Shop ‘til you drop

Cities offer unmatched convenience. You could be shopping for groceries or your next clothing haul. Either way, you’re usually no more than a short walk or ride away from your next dose of retail therapy.

You’ll find shops of all shapes and sizes lining city streets. Many of these have longer opening hours than the national average. This means you can get hold of what you want, when you want. No more getting caught out without milk for your morning brew!

One of the advantages of city living in Manchester is its wide selection of stores, from the vast Trafford Centre to the ultra-hip vintage stores of the Northern Quarter.


Diverse communities

Usually broken up into districts or boroughs, big cities cater to the individuality of their residents. In Manchester, for example, the creative and bohemian Northern Quarter rubs shoulders with the distinctively cool, old industrial district, Ancoats. With a social scene for everyone, you’ll never be too far from like-minded individuals. 

Cities are melting pots of different cultures. Manchester offers plenty of opportunities for meeting new people from a diversity of backgrounds and life experiences. Living in the city exposes you to new people, traditions, cultural and authentic culinary experiences. 


Countless entertainment and dining options

There’s almost no end to the number of restaurants, bars, clubs and cafés at your doorstep. Whether it’s checking out what’s happening at your local craft brewery or hunting down the best taco in town. City dining options are almost limitless. 

Amongst the typical chain restaurants and coffee shops, you’ll find a variety of independent businesses. These establishments offer exciting and original culinary delights.

In Manchester, there’s something for everyone. You can dine like royalty at Manchester’s first Michelin starred restaurant, Mana. Or, head a few minutes down the road for a spot of cheesy indulgence at Northern Soul Grilled Cheese.

You’ll also find numerous delivery services on hand. These services will deliver food from around the world, the only drawback is deciding what to order! 

In a similar way, you’ll also never get bored with the array of entertainment venues and cultural events. You can soak in the culture at the local theatre. Peruse art galleries. Burn the midnight oil at your favourite nightclub. City life is never a dull life. 

How to choose a mortgage

While becoming a homeowner is undoubtedly one of the biggest achievements in life, knowing how to choose a mortgage that’s right for you can be a difficult task.

The type of mortgage deal you choose to go with can make thousands of pounds of difference in the long-term, so it’s a good idea to take your time and choose wisely.

There are lots of different mortgages available on the market, whether you’re a first-time buyer or a seasoned investor. This makes comparing mortgage deals difficult, but our guide will aim to explain the important things to look out for when searching for the best mortgage deal to suit you.

How much are you allowed to borrow?

Before you start looking for your dream home, it is important to find out how much a mortgage lender will allow you to borrow. 

Most lenders will typically allow between four to five times your individual income, or three to four times your joint income if you’re applying for a mortgage with somebody else.

Borrowing amounts will vary between lenders, and each will have different criteria for setting how much you are allowed to borrow. For example, if you already have a lot of loans or credit cards in place, your maximum borrowing amount may be lower.

It’s important to think about how much you want to pay each month for your new mortgage. It’s not advisable to make your mortgage payments more than 30% of your income, as you may struggle to save or have disposable income for holidays and home improvements.

What about a deposit?

Saving for a deposit will mean you have the freedom to borrow less, and your Loan-to-value ratio will be lower and you’ll qualify for lower mortgage rates.

The loan-to-value ratio is the proportion of the amount you borrow in comparison to the property price. For example, a £30,000 deposit on a £300,000 home is 10% so the ratio is 10%.

Comparing mortgage deals by interest rates

When looking at how to choose a mortgage, the interest rate is one of the most important factors. It can make a huge difference to your monthly and annual payments, and be a deciding factor in the type of property you can afford to buy.

A lower interest rate will naturally save you money, but choosing the right type of deal for your circumstances is most important.

Mortgages can be categorised according to the way their interest rates work, and there are four types for you to be aware of:

Fixed-rate mortgages

With a fixed-rate mortgage, the interest rate on the deal remains the same for a set amount of time, usually between two and five years.

These are the most common types of mortgage on the market, and give you the freedom to choose a good rate.

Be aware you’ll need to remember to remortgage at the end of your fixed term agreement, or you could be transferred to your lender’s standard variable rate, which is generally more expensive.


Tracker Mortgages

This type of mortgage is set at a certain percentage above the Bank of England base rate.

For example, if the base rate is 1.5% and your mortgage rate is ‘base rate plus 2%’ you’ll pay a mortgage rate of 3.5%

Since the COVID-19 outbreak, Tracker mortgages are a much less popular option, which is due to the base rate dropping to an all-time low of 0.1%.


Discount mortgages

Discount mortgages have a reduced interest rate, which is set at a fixed amount below the mortgage lender’s standard variable rate (SVR) for a set amount of time, usually two years.

For example, if the lender has an SVR of 6% and the mortgage is set at 1.5% below that rate, you’ll pay 4.5%. If the lender’s rate fluctuates, so will your rate.


Standard-variable rate mortgages 

When your fixed, tracker or discount timeframe ends, you’ll be moved to your lender’s standard variable rate (SVR).

The SVR is usually more expensive and can fluctuate on a monthly basis, so it’s important to steer clear and switch to a new deal, remortgaging, before the end of the deal period. 

Top tips for how to choose a mortgage deal that suits you

Understand what you can afford

Using the different mortgage options available, you can calculate how much your monthly repayments will be. From here, you can calculate the best mortgage deal for you.

Do your research

There are thousands of mortgage options available, and hundreds of lenders, all with varying fees and rates. It’s important not to settle for the first one you find. Shop around and be patient, you’ll find the one that’s best for you.

Keep an eye on extra interest

If you’re strapped for cash, instead of paying your mortgage fees upfront, you can add them to your loan. This may seem like a good option in the short term but will result in you paying interest on the fees in the long term.

Choose the fixed term that suits you

Many fixed-rate mortgages come with early repayment charges, which will incur if you exceed the fee-free limit for the overpayment. This is usually 10% per year, or if you leave the mortgage during an introductory period.

If you’re likely to want to move house in the next few years, consider a shorter-term fixed mortgage. 

Get help from a mortgage specialist

Choosing a mortgage can be a bit of a minefield, so it can be useful to get an expert on your side. 

A mortgage advisor or broker can help advise you on the best deal for your circumstances. 

However, be mindful that some mortgage deals are only available to people applying directly (with no broker involved) while other deals are exclusive to brokers.

To disrupt matters further, some mortgage brokers only work with a select panel of lenders, meaning they can’t share deals from other lenders which may work out cheaper.

To ensure you have access to the best deal, it’s a good idea to use a ‘whole market’ broker who can assess every deal available to you and recommend the right option.

Finding your perfect home

Once you’ve secured the right mortgage deal for you, you can start to dream of your ideal home.

Manchester is a great place to settle down, as it’s full of vibrant neighbourhoods, an abundance of character and buildings stacked with originality.

New Cross Central is a vision for a new vibrant quarter of the city, and with homes ready to move into in 2022, you can own your own part of the city centre.

With a mix of spacious apartments and family-focused townhouses,  there’s something to suit everyone. Enquire today about your home in New Cross Central. 


Is now a good time to buy property in 2021?

The past year will no doubt go down in history as one of the most turbulent and tumultuous, and unfortunately this shows no sign of letting up. Despite this uncertainty, there are some promising signs that 2021 could be a good time to buy property.

The UK housing market has seen many changes over the last 12 months, with the freeze on house moves in the first lockdown to the rapid rise in house prices towards the close of the year. Contending with COVID-19, Brexit and changes in the economy will continue to have an impact on the housing market, and subsequently house prices.

During the closing half of 2020, the UK property market experienced something of a boom, which shows no signs of slowing down. So, is now a good time to buy property in 2021?

What about house prices?

Property sales towards the end of 2020 were at record levels, contributed to by the temporary stamp duty holiday, which will expire on the 31st of March. However, something to bear in mind is the end of the furlough scheme in April which may cause an increase in unemployment.

Sales activity for housing is expected to slow down slightly in 2021, with the growth in house prices likely to be more subdued. Rightmove has predicted a 4% national average growth in house prices in 2021. This notion has been echoed by many surveyors.

The most reliable source of data for house prices is the Land Registry’s UK House Price Index, which is based on sold properties.

The Land Registry’s latest data from November 2020 shows the price of property in the UK increased by 1.2% month-on-month and 7.6% year-on-year to reach an average of £249,633.

However, latest figures from Halifax Managing Director Russell Galley show that British house prices fell last month for the first time since last May, which may be a sign of the uncertainty the pandemic has caused.

Some experts have also warned that housing market activity and prices may fluctuate after the stamp duty holiday ends, which may see a sales slump as many buyers may need to lower their offers to account for higher tax bills, which may add pressure to property prices.

What about the property market?

The property markets across England, Scotland, Wales and Northern Ireland are open, and estate agents are conducting virtual viewings where possible. Buyers and sellers are still allowed to move house, in-line with the government’s latest guidance.

Once you have conducted a virtual viewing, if you find a property you are serious about buying, you will be able to have an in-person viewing. Viewings must comply with social distancing measures and you must wear a face covering.

The rise in the UK property market in the last year can be attributed to the temporary cuts to stamp duty made by the government. The cuts vary between each country, but buyers could save up to £15,000 in tax if they move house before 31 March this year.

In the short-term this may cause a rise in house prices, especially on properties in sought-after areas.

The impact of COVID-19 and Brexit

The impact of Brexit on the UK housing market is unlikely to be felt in the short term but the longer-lasting effects are as yet still unknown.

Another uncertain aspect of the UK housing market is how COVID-19 will continue to impact the country and the economy. The introduction of the vaccine roll-out is likely to bring confidence to the housing market as we slowly return to ‘normal’

Despite the uncertainty of the year ahead, the UK property market will likely remain stable throughout 2021, and it could be a good time to apply for a mortgage or move home.

The Office for Budget Responsibility published its findings back in July which predicted a fall in house prices by 3.8%, you can read their full report here.

Changing priorities and mortgage availability

The pandemic has caused unprecedented demand for house moves, leading to a record year of property transactions. Successive lockdowns and uncertainty have led many homebuyers to reassess their priorities, such as the requirement for more space and better internet connection.

The base interest rate is likely to remain the same in the short term, which is expected to keep mortgage rates down. If this trend continues throughout 2021 it will remain an attractive time to purchase property.

For a limited time New Cross Central are offering flexible payment terms, with a £250 reservation fee and 5% deposit on exchange of contracts after 60 days. Get in touch with us for more information.

What to see in Manchester – The best places in the city

Manchester has long been celebrated as a cultural, entertainment and arts hub in the north of England. Buzzing with energy, and full of life (pandemic or not!) the city and its surroundings are now home to almost three million people, and it shows no signs of slowing down. 

With significant development and regeneration projects happening in the city centre and across Greater Manchester, and the government’s ongoing commitment to creating the ‘Northern Powerhouse’ there’s never been a better time to add a visit to Manchester to your bucket list.

If you’re familiar with Manchester or not, the city has some impressive exports. Underpinned by a rich musical history, the city prides itself on being the birthplace of the likes of The Stone Roses, The Smiths, and the legendary nightclub the Hacienda. But don’t be fooled into thinking the best is behind it, the city is home to some of the biggest and brightest newcomers to the music scene. 

Whether you’re heading to Manchester as a day tripper, or looking to make the city your permanent home in 2021, the place is packed to the brim with things to do, places to eat and exciting things to see. We’ve put together a handy guide of what to see in Manchester – the best places in the city are unrivalled, unique and downright unmissable.

Start with a walk in the park 

Green space isn’t often the first thing you think of when picturing a bustling city, but Manchester is rapidly evolving into a place where nature and innovation go hand in hand. It’s also worth noting that many of the districts of Greater Manchester are easily accessible by tram from the city centre, so you’ll be able to explore on a budget and in a more environmentally-friendly way.

Get some friends together and head north to Heaton Park. Most famously known as the host of the annual Parklife festival these days, but the  600 acre park is worth a visit all year round. With plenty of green space, a boating lake and a small farm, the park is suitable for people of all ages.

If botanical gardens peak your interest, Fletcher Moss in Didsbury is a bit of a hidden gem but a favourite with locals. Head for a walk through the park then indulge in a Sunday roast at Volta, the perfect way to round off a weekend. 

Staying pretty central? Wander along the canal networks that thread through the city centre. Start on the Rochdale Canal in Ancoats and take a walk up to The Etihad Stadium, home to Manchester City Football Club, or meander through New Islington Marina, stopping at Pollen, a sourdough and Viennoiserie bakery, for a fresh loaf or homemade croissant. 

Become a culture vulture

When visiting any city, soaking up the history and culture of the place can make it feel more like home. We’ve touched upon Manchester’s rich history of music, but what about the everyday people that made the city is it today? The People’s History Museum is the UK’s national centre for the collection of materials that represent the working people, and as with all UK museums entry is free, but donations are welcome. 

The cities museums are known for being family-friendly, and the Manchester Museum is a great day out no matter your age.  You could head out to Salford Quays to visit the Imperial War Museum North, don’t forget to stop by the Lowry or visit the Makers Market for a treat while you’re there!

If art is more your scene, Whitworth Art Gallery and Manchester Art Gallery in the city centre are worth a stop on your visit, or head to HOME on First Street to experience some of the best and brightest creative talents showcase their work. You could also catch a show at the Royal Exchange theatre, where fresh off the West End talent and travelling theatre companies present their work.

Check out the architecture 

When exploring a new city, it can be easy to get caught up with what’s on ground level, but don’t forget to look up and around you! Manchester is a city brimming with stunning architecture. Take a walk down Deansgate and pass the John Rylands Library, the outside of the building is just as attractive as the inside. Remember to look out for the staircase, a focal feature of the building.

Have you thought about taking a guided tour of the city? Walking tours are an easy and budget-friendly way to get acquainted with the places to see in Manchester, and you might learn something new too. Most tours will cover Manchester Cathedral, and take you through the history of the city, including St Anne’s Square and the Town Hall. 

Have a pint in hipster’s paradise

You may have heard of the Northern Quarter, if you haven’t, where have you been? Once renowned for being the home of the offbeat and creative, the Northern Quarter is now as well known for its student scene as it is for its street art. Take a walk through the backstreets and you’ll spot plenty of walls and buildings adorned with stunning artwork created by graffiti artists and local creatives alike. 

Manchester’s Northern Quarter is well regarded for its food and drink scene too. Once you’ve taken in the culture, whet your appetite with a visit to one of the bars or restaurants that line the streets. If you’re looking for the ultimate comfort food, head to Home Sweet Home, a cosy spot on Edge Street that is beloved for its brunch and overloaded desserts. If you need more inspiration for the best places to eat in the city, check out our guide.

Exploring a city is thirsty work, make sure to take the time to stop at one of the quirky bars dotted around the Northern Quarter, or head to the New Cross border and have a craft ale or glass of wine at Mackie Mayor. Formerly part of Smithfield Market, the building harks back to 1858, but had lay empty since the nineties before being refurbished in 2017 into a dining hall full of local food vendors. 

Watch some live sport

We couldn’t talk about places to see in Manchester without mentioning the wide range of sports teams in the city. If you prefer football, cycling or cricket, there’s options to suit any sports fan.

Whether you’re red or blue, the city is home to two of the best football clubs in the world. Manchester City are based just outside the city centre, while Old Trafford football ground, home to Manchester United, is just across the River Irwell. Getting tickets to live matches can be a struggle, but they are sometimes available if you plan ahead. If you’re unsuccessful, matches are often shown in pubs across the city, so you’ll get the next best thing. 

If cricket is more your game, head to the other Old Trafford, home to Lancashire County Cricket Club. The ground hosts test matches and club games throughout the year. The cricket ground is also often used as a concert venue, so keep an eye out for ticket announcements throughout the year.

For fans of sports on two wheels, take a trip to the Velodrome. The indoor venue also boasts a BMX track, was the site for the 2002 Commonwealth Games, and is still the home of British Cycling today. Part of the SportsCity area of Manchester, it’s worth a visit for any sports fan. 

If that isn’t enough, you can visit the National Football Museum in the city centre, located next to Victoria Train Station. With hands-on exhibits, places to test your football skills and over 140,000 football related-items it’s the perfect day out for any football fanatic!

Put on your dancing shoes

Exploring a new city in the day is one thing, but everyone knows places truly come alive at night, and Manchester City Centre is home to some of the best nightlife spots in the country. When wondering what to see in Manchester, don’t forget to make time to have a proper mancunian knees-up during your time here.

Start out with a Michelin star dinner at Mana in Ancoats, before putting your gladrags on and heading down for cocktails at Australasia. Keep your eyes peeled, as Spinningfields is a hotspot for reality stars and footballers alike. If quieter pubs and bars are more to your taste, head down to Salford and visit the King’s Arms, where you’ll find local ales and up and coming musicians playing to a willing crowd every weekend. 

If you want high energy, grab tickets for the Warehouse Project and dance the night away, or check out a gig at one of the many music venues in the city centre. There’s Manchester Arena, which hosts pop superstars regularly, or more intimate venues such as The Albert Hall. If you’re watching music there, stop into Albert’s Schloss for an after show tipple as they have live music of their own into the small hours each weekend. Or why not party well into the night and head to Canal Street and the Gay Village.

There are lots of places to see in Manchester, have we missed any hidden gems? Let us know via our Instagram page. 

Please note: this article was written prior to lockdown restrictions in England, some venues may not be open or have restricted capacity. Please check with the venue before making a booking. 

How to buy your first home in Manchester

For first time buyers, the prospect of buying your first home can seem daunting, and often out of reach. Here we’re going to explore the options, set out what you need to do and show you what help is available to get you on the property ladder.

Buying versus renting

Choosing whether to buy or rent can be a tricky decision, there are pros and cons to both. 

One major benefit of buying a home is the freedom to decorate and make any changes you want to without having to answer to a landlord. Another pro is that when you buy an apartment  your monthly payments are going towards something you will eventually own, making you the beneficiary rather than a landlord. 

Saving for a deposit

In order to buy your first home you need to save a deposit. In most instances, the minimum deposit you’ll need to save is 5% of the total cost of the property you want to buy. However, the bigger the deposit you can save, the wider range of mortgage deals will be available to you. This is because the larger your deposit, the lower the risk you are seen to be to mortgage lenders.

House prices are continuing to rise in the current market, and buying a house can begin to feel like a pipe dream, with paying rent feeling like the easier option. Luckily, there is some government help available for first time buyers. The Help to Buy Equity Loan and Lifetime ISA options can both boost the savings you already have. 

To give you an idea what a 5% deposit looks like, if you want to buy a home costing £150,000, you’ll need to save at least £7,500.

A Help to Buy ISA is a bank account that helps first time buyers grow their savings to add to bonuses to their deposit. First time buyers can save up to £200 a month with a Help to Buy ISA and the money will grow tax-free, and when you come to being ready to buy the government will top up the amount you’ve saved by 25%. 

With a Lifetime ISA you can save up to £4000 a year and the government will add a 25% bonus annually. 


Unless you are in the fortunate position of being able to purchase a property with cash, it’s most likely that you will need to get a mortgage. 

In simple terms, a mortgage is a particular loan from the bank or building society against the property you want to buy. The borrower then pays back the loaned amount in addition to the interest accrued. 

Research is key when looking for the best mortgage deals. Searching the best mortgage rates online is a good place to start, check out comparison sites and consult a mortgage broker, who may be able to access more competitive deals not available through regular research. Speak to a member of our team today for free independent financial advice.

Our Independent financial advisor will be able to advise you on:

  • The size of your deposit required
  • Affordability
  • Interest rates 
  • Which types of mortgages are available to you
  • And be able to answer any question you may have

Rigorous checks are also in place by lenders to ensure you can keep up with your mortgage payments, particularly if the interest rate rises or your circumstances change. 

Ahead of getting on the property ladder you’ll need to show proof of earnings and incomings and outgoings, such as household bills and other living costs, You’ll also need evidence of your financial profile, including bank statements and pay slips.

Different types of mortgages

Some of the most common types of mortgage are:

A fixed rate mortgage: This means the interest rate will stay the same for a particular length of time. Once that term comes to an end, you’ll be transferred to the lender’s standard variable rate (SVR) This mortgage is particularly attractive for first-time buyers as it offers stability and safety, however they tend to be more expensive as you’re paying for additional peace of mind.

Tracker mortgage: Typically follows the Bank Rate, the benchmark interest rate set by the Bank of England for a certain period. It’s a variable rate, so your monthly repayments can change. If the Bank Rate increases, so will your mortgage payments.

Discount mortgage: Interest rate is tracked at a particular discount to the lenders SVR for a particular length of time. Therefore the rate will vary. Normally, the steeper the reduction, the shorter the period of discount will be. 

Standard variable rate mortgage: Normally doesn’t include any deals or discounts. Most are advised to move away from this type of mortgage at the earliest opportunity to find a cheaper alternative.

Guarantor mortgage: Getting on the property ladder can be tough, which is why a growing number of lenders are offering mortgages that allow parents to contribute. A guarantor mortgage allows family members to pay the mortgage if you are unable to.

Offset mortgage: Allows you to link your current and savings accounts to your mortgage. Good for saving money as it only charges interest based on the net balance.

Remember to budget for the other costs of buying a home

Mortgage payments may seem like the biggest outgoing when buying your first home, but there are other costs to take into account. 

These include:

  • Survey costs                       
  •  Solicitor Fees                      
  • Removal costs                     
  • Buildings Insurance 
  • Furnishing and decorating        
  • Mortgage arrangement fees 
  • Home Insurance


What is Stamp Duty?

Stamp Duty is a land tax you pay on your home . The more valuable your house is, the more Stamp Duty you pay. 

In England and Northern Ireland it’s called Stamp Duty Land Tax.

In Wales, Land Transaction Tax.

In Scotland it’s known as Land and Buildings Transaction Tax

An important note is if you buy a property on or before 31st March 2021, you won’t pay any Stamp Duty on properties costing up to £500,000.

Clean up your current account and check your credit score

Prepping your current account ahead of submitting your mortgage application is key to ensuring mortgage brokers look kindly on you. How much you can borrow is determined by your mortgage lender who will do an affordability test based on your monthly incomings and outgoings. 

A good tip is to go through your current account at least six months before you make an application and identify for yourself where your money is going.  Expensive gym memberships, shopping habits or a tendency to end up in your overdraft at the end of the month will all have an effect on your finances. Try and curb what you can before the lender starts looking to better your chances of getting a good mortgage deal. Having a  good credit score is also an indicator to a lender you are a reliable borrower when they are assessing your mortgage application, so be sure to do your research about how to improve your score. 

Talk to your family

Getting on the property ladder can be tough with no help, and you may be lucky enough not to have to go it alone. The Bank of Mum and Dad was recently considered the sixth biggest lender in the UK mortgage market because so many parents are helping their children out with their first home.

Families can help without having to surrender their savings. Many mortgage lenders now offer products aimed at people whose families are in the position to help them out.  It’s worth exploring your options with a mortgage broker if this is something that is available to you.

Find your perfect home

Striking the balance to find the best first home can be a big decision, and making the choice between city life and the suburbs can prove tough.

New Cross Central homes provide the best of both worlds, spacious and airy places with all the benefits of life in the city centre.

Find out more about owning your home at New Cross Central.


The Best Gyms In Manchester City Centre

While 2020 may have been the year of the home workout, yoga in your spare room isn’t for everyone, so we’ve rounded up the seven best gyms in Manchester City Centre.

Whether lockdown took its toll on your waistline, or you’re looking to kickstart a new fitness hobby, we’ve considered location, workout style and goals in this list – grab your trainers!


Described as a ‘boutique’ by its owners, this independent gym on Dale Street avoids the clinical feel of some mainstream chain gyms. Arguably one of the coolest gyms in central Manchester, V1be features a fashionable aesthetic enhanced with live DJ’s. For the tech minded among us, there is an emphasis on heart rate monitoring and vital stat tracking. The data adds a competitive edge, so you can challenge yourself or rope in a friend or partner to battle against.

Find out more here

Gym and Juice 

Previously based on Oldham Road, Gym and Juice shifted their offering to outdoor classes post lockdown. Dubbed ‘Urban Playground’, their team of personal trainers run various fitness classes across Ancoats and New Islington focusing on HIIT, strength and core training. Since restrictions have lifted slightly, the team now has an indoor space in Castlefield dedicated to meditation and yoga. 

You can find their weekly timetable via Classpass

Les Mills

Unless you’ve been avoiding the internet for the last ten years, it’s likely you’ve heard of Les Mills in some form or another. It’s namesake is four-time Olympian Les Mills, and catapulted into success through their ‘Bodypump’ classes. The beauty of Les Mills is you can choose a gym nearby to attend the class – and there’s plenty in Manchester City Centre –  or complete them from home if group fitness classes aren’t your thing. 

Find a class to suit you today 

Crossfit Ancoats

 If you’re local to the Ancoats or New Islington area, you’ll likely have seen members of Crossfit Ancoats training in Cutting Room Square over the summer. Once the colder months hit they retreat back to their ‘Box’ in the heart of Ancoats, just a stone’s throw from Manchester City Centre to offer Crossfit training, classes and personal training sessions from beginner level up to experienced. 

Find their timetable here


If you’re after a flexible and budget-friendly gym, this is the place for you. PureGym has 17 gyms across Manchester to choose from, including Spinningfields and the Northern Quarter in the city centre. Aside from its purse friendly price point, the gym has everything you need, with contract-free memberships and 50 fitness classes a week included at no extra cost. 

Find your nearest PureGym here


The newest member on the indie gym scene, KOR has two studios, Resistance and Revolution. In the first, you’ll find everything needed for high intensity interval training (HIIT) alongside the usual suspects of treadmills, weights and assault bikes. Revolution is the place for spin classes, where experienced instructors will talk you through intense but rewarding classes via the Life Fitness Connect app. Think a blackout studio with giant screens, making for a fully immersive experience, and if you’re feeling a bit gym-timidated the team offers day passes for you to try a session out.

Check them out here 

Livingwell Health Club

If you like exercise to feel like a luxury, there are few better places to work out than the Hilton Deansgate, in Manchester City Centre, where Livingwell Health Club is based. Think high-tech gym equipment, a 20 metre swimming pool and complimentary toiletries once you’re finished working up a sweat. The team will also set up a free personalised Fitness For Life programme to help you achieve your goals and if you really want to kick it up a notch, personal training is available too. 

Find out more here

Interested in owning your own home in New Cross Central? Find out more here