10 Years of Compassion & Change
For a decade, we've stood alongside individuals and families facing financial difficulty — offering free, confidential debt advice, practical support, and hope when it's been needed most. Behind every conversation, budget, and breakthrough is a real person, and we're incredibly proud to have supported our community through life's toughest moments.
We couldn't have reached this milestone without:
- 💙 The clients who trusted us
- 💙 Our dedicated staff and volunteers
- 💙 Our partners, funders, and supporters
- 💙 The wider community who believes no one should face debt alone
As we look ahead, our commitment remains the same: to listen, to support, and to empower people towards a more stable future.
Thank you for being part of our journey — here's to the next 10 years of kindness, compassion, and change.
Together, we make a difference.
Making a tangible difference in North Manchester
Since 2017, we have worked alongside local residents in Newton Heath, Harpurhey, Moston, Crumpsall, and surrounding areas to lift families out of debt and stress.
Support Our CharitySupported by Trusted Partners
Gateway M40's independent debt relief and welfare services are made possible through the generous support and trust of leading foundations, trusts, and local government programs.
Independent, Compassionate & Local Debt Advice
Gateway M40 is an independent Charitable Incorporated Organisation (CIO) registered in England (Charity No. 1173971). We are based in the heart of Newton Heath and serve North Manchester neighborhoods including Charlestown, Cheetham, Crumpsall, Harpurhey, Higher Blackley, Moston, and Ancoats.
We are proud to operate in affiliation with Community Money Advice (CMA), a respected national network of money advice centers. This gives us access to top-tier training, resources, and policy updates, whilst remaining an independent, local charity that understands North Manchester's community context.
A FRESH START FREE
FROM DEBT
Gateway M40 is an independent debt and money advice charity based in Collyhurst, Manchester. Our service is completely free, and we offer debt advice, education, practical assistance, and ongoing support to anyone who needs it, regardless of background or circumstances.
About UsFree Advice
We provide free, impartial, and independent advice. Our advisers investigate debt, welfare benefit entitlement, disability benefits, carers allowances and assessments, challenging decisions, providing support such as food pantry referrals and fuel vouchers.
Recommendations
Our experts recommend the best solution or service for your individual circumstances.
Support
We support you while you deal with your money worries, for as long as you need our help.
Campaign
We also campaign on your behalf to reduce the risk of problem debt and the harm it causes.
Our Free Support Services
We provide comprehensive financial advice and welfare assistance. Every service is completely free, independent, and strictly confidential.
Debt & Money Advice
Confidential face-to-face debt management. We assist with Debt Relief Orders (DROs), bankruptcy, token payment setups, and formal creditor mediation.
Welfare Rights
We make sure you claim your full benefit entitlements. Our advisors support you through application forms, appeal hearings, and benefits reviews.
Money Education
Practical, custom courses to improve financial wellbeing. Learn how to manage weekly budgets, plan ahead, save on household bills, and stay in control.
Crisis & Grants
Emergency support including food pantry services, fuel vouchers, and support applying for grants for essential white goods or emergency items.
A Simple 4-Step Process
Step 1
The hardest step is always the first step in the journey - but we're with you every step of the way!
- You can have a face to face meeting or a telephone or facetime meeting. We have friendly comfortable rooms at two venues in Collyhurst.
- At our first meeting we will get to know you and understand your circumstances a little better.
- We will have a look at your income and make sure you're claiming everything you're entitled to.
- We will look at other options you may have to bring additional income into your household.
- We'll talk to you about your situation and any emergency issues you may be facing such as court action, threatening letters or bailiff visits.
- If you're happy we will ask you to sign a form to say we can represent you.
- We will look at the debts you are aware of and request your credit file so we can see any others that you may have forgotten about.
- We will look at your debts and sort into priority and non-priority. We will deal with priority debts first because they can have the biggest consequences if they are not delt with.
- From them on, we deal with your creditors. We will contact them and get them to give you some breathing space while we help you decide the best option for you.
- This will take us about an hour, and we may ask you to get any paperwork you have together for our next meeting.
Step 2
In our next meeting we will look at your income and expenditure.
- If we think there is a way to increase your income, we will explain what we need to do and how long it may take.
- We will then have a look at all your expenditure, if we think you can save money, we will talk about it together.
- This will help us create a Standard Financial Statement (SFS). This is a detailed breakdown of your financial circumstances that we will send to your creditors, so they are aware of your current position.
- We will then talk to you about all the options open to you to deal with your debts.
- You don't have to make a decision there and then; you can go away with the information and have a think about it.
- We will send you a letter confirming everything we have talked about.
Step 3
By now, we've got a good idea of what options are open to you and we will have had a discussion about which option you think is best for you.
- We will discuss all the pro's and cons of the option you like the best and the other options you could choose from.
- Once you have decided on the option, we will discuss any costs associated with it. Gateway M40 don't make any charges but depending on the option there may be charges to pay.
- If you can't afford them, we can help with applications to Trust Funds who may help.
Step 4
We've now taken the action to resolve or manage your debts.
- We will send you a letter to confirm the outcome of the advice process and the reasons why you reached the decision you've chosen.
- We will ask you a few questions to see how you found our service and if you would recommend us to others.
- We will then close your case, but you can contact us at anytime for further support and advice.
What Our Clients Say
We measure our success by the peace of mind and financial control regained by the people we support.
Approved & Regulated Affiliations
We adhere to the highest professional and regulatory standards to ensure our advisors deliver legal, compliant, and expert support.
Need to get in touch?
Whether you need dedicated support or have a general inquiry, our team is here for you.
Contact Us