A Mortgage Advisor in Aigburth you can Trust
Welcome to our mortgage broker website in Aigburth. Our trusted team of mortgage advisors are here to help you every step of the way, through your home purchase or remortgage.
We pride ourselves on our 5-star mortgage advice service so please feel free to look at our genuine customer reviews at Reviews.co.uk.
Unlike a lot of larger mortgage advice companies, we are a smaller and experienced team of friendly mortgage brokers, we are here to answer all your enquiries.
We can search thousands of mortgage products to find you the best deal based on your individual circumstances.
Whatever your personal mortgage situation, we’d love to try and help.
All Mortgage Situations Considered
First Time Buyer Mortgage Advice in Liverpool
Moving Home Mortgage Advisors
Remortgage Advisors in Liverpool
Buy to Let Mortgages
Self Employed Mortgage Advice
Help to Buy Mortgage Advisor
Right to Buy Mortgage Advice
Specialist Mortgage Advice in Liverpool
Why Us?
We only have your interests at heart.
Liverpoolmoneyman is authorised and regulated by the Financial Conduct Authority.
We are able to search 1000’s of mortgage deals on your behalf.
Our advisors have experience dealing with various mortgage situations.
We stay up to date with all lending criteria.
We offer all customers a free initial mortgage consultation.
We search 1000s of mortgage deals across a large number of lenders, including:
How do I transact with my Mortgage Broker in Aigburth?
You’ll benefit from a free initial mortgage consultation with one of our experts. Out of hours mortgage advice isn’t a problem, we have in-house mortgage advisors working until late to take your mortgage enquiries. Give us a call, we may be able to help!
Why shouldn’t I go to my bank for Mortgage Advice in Aigburth?
The banks’ mortgage advisors are only able to offer products from one lender – Themselves. Their mortgage advisors can also be rather hard to get an appointment with, so if you’re actively looking at properties or are ready to offer this can be very frustrating. Seeking advice from a professional mortgage broker can also work in your favour, as we can compare deals. We have a large number of mortgage lenders on panel, some with very specialist mortgage products available. Worry not, we have a lot of experience and knowledge in providing mortgage advice to customers with a variety of situations.
My bank turned me down – Will you be able to get me a mortgage?
Quite often, customers that contact us for mortgage advice have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we are able to help with this.
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We’ll help and support you anytime you need us, 7 days a week! The home buying process isn’t always easy, we’ll help you over any hurdles you face.
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We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
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Please read our genuine customer Reviews at Reviews.co.uk. Your service is really important to us!
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Mortgage advice is available morning, evening or at the weekend. We’re here at a time that suits you and your family.
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We’re not like a bank – We’re able to search 1000’s of mortgage deals in order to recommend the best one for you!
Common Mortgage Questions
As your Mortgage Broker in Liverpool, our first job is to carry out a Fact Find on you to get a bigger picture of your personal and financial situation, so that we can recommend the most suitable mortgage for you. In order to obtain an Agreement in Principle, you will also need to have a credit check performed on you. Once you have provided all the relevant evidential documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
Your free mortgage consultation with Liverpoolmoneyman will last around 30 mins. After your details have been taken, a Mortgage Advisor in Liverpool will then search through thousands of mortgage deals to find a perfect matching deal for you. Once we recommend the deal, you can decide whether to proceed with us or not, it’s completely up to you!
We always recommend that you obtain an Agreement in Principle before you start viewing properties in Liverpool, as they can potentially put you in front of other buyers who don’t have one. Lenders will like the fact that you have prepared before making an offer.
An Agreement in Principle typically remains valid for between 30 and 90 days, but this can change depending on your lender. If your Agreement in Principle expires it can always be refreshed. A Mortgage Broker in Liverpool like us can usually get one sorted for you within 24 hours within your application.
Yes, you can get a second mortgage. You can take out a second mortgage for your current home for things like debt consolidation and home improvements. It is also possible to take out a second mortgage for another property if you want. Usually, this situation comes about when people are interested in a holiday home, are buying for a friend/family member or want a Let to Buy or Buy to Let.
The minimum deposit when buying a house in Liverpool with high street lenders is typically 5%. You will rarely find lenders that will accept a minimum of less than 5%. This minimum can be higher if you have had bad credit in the past.
It is possible but it can be a bit tricky though. When you have had previous credit problems your minimum deposit that is required could rise, we have seen it at 15% before. Having a Specialist Mortgage Broker in Liverpool could really help you get back on track in situations like these.
After you have proven at least one year’s accounts to your lender, you should be able to get a mortgage. Most lenders in Liverpool will use your salary plus dividend to work out your maximum mortgage, however, some can go off your net profit.
If you’re an employee, you will usually have to supply three payslips in order to prove your income. If you are Self Employed in Liverpool its normally the latest 2 years’ accounts. You will also need to produce proof of ID, address and 3 months’ bank statements.
Our free initial mortgage consultation can last up to 30 mins. As an experienced Mortgage Broker in Liverpool, after we have all of your information we can get you an Agreement in Principle within 24 hours or your phone call. On average, a formal mortgage offer takes about three weeks.
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