Mortgage Broker in Birkenhead
Mortgage Advice in Birkenhead
Book Your Free Mortgage Appointment Online
Read our 213 Reviews
Meet Malcolm, managing director of and one of our mortgage advisors in Birkenhead, who has earned himself a strong reputation where customers can benefit from getting in touch with an expert mortgage broker in Birkenhead.
To speak with a mortgage advisor in Birkenhead, book your FREE mortgage appointment online or give us a call on 0151 438 2295.
Enquire OnlineTo speak with a mortgage advisor in Birkenhead, book your FREE mortgage appointment online or give us a call on 0151 438 2295.
Meet Malcolm, managing director of and one of our mortgage advisors in Birkenhead, who has earned himself a strong reputation where customers can benefit from getting in touch with an expert mortgage broker in Birkenhead.
Enquire Online4.98 Rating213 Reviews
Sarah
Highly Recommend! Such a good service Jason and Jo made the whole process stress free from start to end.
4 weeks ago
Dylan
Great to work with, fast and reliable and very good communication
4 weeks ago
Paula
Brilliant service they get back to you when they say they will. So Patient and helpful.Special thanks to Jo
4 weeks ago
Stephen
10/10 above and beyond from Dan and Louise couldn’t recommend these guys enough top class service
1 month ago
Daniel
We're really happy to have chosen UKMoneyMan to be our mortgage advisor. As first-time buyers, we were originally daunted by the process, but Malcolm, Charlie, Jo and the team stepped in to make the process a lot easier to understand! We really...
1 month ago
Stacey
Great help in the process in securing my offer and would recommend to a friend Helpful with communication
1 month ago
Ronald
The Representative new his business and guided us through to completion without any major hurdles to climb
1 month ago
Julia
I cannot thank chris enough for all the hard work and support he has provided me right from my first contact, to finding me a mortgage and going through the survey with me and all the other help he has provided. Chris has gone above and beyond with...
2 months ago
Hannah
Fantastic, personalised service from beginning to end. Leo and Lyndsey were great at communicating when any issues arose, and keeping me informed of any updates.
2 months ago
Ellen
Matt and Jennifer have been wonderful. They have made a very intimidating process easy to understand and have guided me through the process every step of the way. Matt's experience will help you to secure the best mortgage whatever your situation,...
2 months ago
Michael
I have been with liverpoolmoneyman for 5 years now. Great service and advice as always. They help you every step of the way, I highly recommend them.
2 months ago
Abbie
The service was very quick and efficient and we managed to secure a great deal against a tight deadline.
2 months ago
Georgia
Leo and meghan were both very helpful and never made it feel like we was bothering then. No question was deemed a stupid question.
3 months ago
Sophie
Brilliant service, did everything we needed for our remortgage, made the process as simple as possible.
3 months ago
Mark
My experience was amazing so smooth, everyone was brilliant from the start and tom who I dealt with was second to none 👌🏻. Thank you all and I will definitely be recommending to friends
3 months ago
Noel
Very impressed they sorted everything out from start to finish thank you.
3 months ago
Allan
Used this company to help with a remortgage Extremely efficient and got me a great deal within a few days Always kept me upto date with what was happening and very professionall and helpful Highly recommended
4 months ago
Michael
Best decision going to Liverpool money man. Our advisor Matt Collinson has been incredible with his help, explaining everything clearly and making sure we understand everything. His team have also been wonderful, particularly Wendy Olsen who has...
4 months ago
Gaynor
Helpful friendly advice from everyone involved
4 months ago
John
We would recommend Liverpoolmoneyman to anyone !! Very good, very helpful, very friendly, very nice, clear information given with full explanations !!
4 months ago
- Mortgage Advice
- Why Us?
Our Team Are Proud to Provide Clear & Simple Mortgage Advice in Birkenhead.
Welcome to Liverpoolmoneyman, your online destination for expert mortgage advice in Birkenhead & surrounding areas, brought to you by a trusted mortgage broker in Birkenhead.
As a longstanding and hard-working mortgage broker in Birkenhead, it’s our job to guide and support you throughout every step of your mortgage journey, always having a helping hand by your side.
We regularly help customers from all kinds of backgrounds, whether they are a first time buyer in Birkenhead, looking at becoming a landlord on a buy to let in Birkenhead or they are ready to take out a remortgage in Birkenhead.
Our team are proud to say that we always do our absolute best for our customers, when providing them with mortgage advice in Birkenhead.
No matter who gets in touch with us, we’ll always look to go above and beyond.
If you want to see how real customers felt about our service, please feel free to look at our customer reviews!
You’ll no doubt see why so many people chose us to be their mortgage broker in Birkenhead.
Speak to a Mortgage Advisor in Birkenhead Today.
Unlike lots of the much larger companies that offer customers mortgage advice in Birkenhead, we are a smaller and yet incredibly experienced as a mortgage broker in Birkenhead, always on hand and ready to answer all of your mortgage queries.
As a fast & friendly mortgage broker in Birkenhead, we have the ability to search through 1000s of different & unique mortgage products, finding the most suitable one for what it is you’re looking to achieve, on the most suitable mortgage deal.
Regardless of your mortgage situation, your mortgage broker in Birkenhead is always ready, willing and able to help!
How do I transact with my mortgage broker in Birkenhead?
As our customer, you will benefit from our offer for a free mortgage appointment, something that is always on offer to everyone!
Here, you’ll get to speak one on one with one of our mortgage advisors in Birkenhead. We are also able to provide customers with an out of hours service, should they require it!
Beyond the typical 9-5, we have mortgage advisors in Birkenhead on hand until late every day, to answer your mortgage questions!
Get in touch with a professional and experienced mortgage broker in Birkenhead today and we’ll see how we are able to help.
Why shouldn’t I go to my bank for mortgage advice in Birkenhead?
When you go directly to a bank, you’re only getting access to one source of mortgage deals, as their mortgage advisors in Birkenhead won’t be recommending any competitors.
We operate conversely to this, serving as a middle ground to help you compare deals (from a large panel of mortgage lenders), liaising with the mortgage lenders and taking on the bulk of the mortgage application process for you.
You might also find that getting an appointment with a mortgage advisor in Birkenhead from a bank, can be quite a challenge.
This can be especially frustrating if you’re at a point in your journey where you are ready to go.
Taking those steps to get expert mortgage advice in Birkenhead from a dedicated mortgage broker in Liverpool & Birkenhead can be much more beneficial, with appointments to choose from and a variety of deals to compare.
My bank turned me down – Will you be able to get me a mortgage?
We will quite often find that customers are getting in touch with us for mortgage advice in Liverpool & Birkenhead after having been turned away by their bank for one reason or another.
There can be all kinds of reasons for this, including the type of income you have, what your credit score currently is, the property type you were looking to buy, or that the bank simply won’t lend what you were asking for.
Whilst these can be understandably quite frustrating circumstances to be in, more often than not, we are able to help out in some way! Give us a call today and we’ll see how we can help.
First Time Buyer in Birkenhead
As a first time buyer in Birkenhead, you will no doubt find the mortgage process to be quite an intimidating one.
This is something we are all too familiar with. We aim to make sure that all of our customers receive a full support and guidance system, across every step of their mortgage journey.
Our mortgage advisors in Birkenhead will work with you to help calculate how much you could borrow, looking at both your financial and personal circumstances.
Whilst you may be able to get a general estimate on price by using an affordability calculator tool, it is always recommended that you speak with a mortgage broker in Birkenhead.
After your free mortgage appointment, your mortgage advisor in Birkenhead will be able to help you get an agreement in principle within 24 hours.
This is an important and very useful document to have to hand, especially for making an offer on a property.
Moving Home in Birkenhead
The journey undertook when moving home in Birkenhead can be an incredibly stressful experience for someone who owns a home.
As a mortgage broker in Birkenhead, we do our absolute best in order to reduce all of your stress levels.
We achieve this by handling all aspects of the mortgage process, leaving you to focus on the move itself.
From your first point of contact to when you get the keys to your new home, we’ll always make sure to provide you with expert mortgage advice in Birkenhead, so that you are always well informed and in-the-know.
Remortgage in Birkenhead
When you near the end of your initial mortgage deal comes, it’s key that you start taking a look at your options for a remortgage in Birkenhead, in order to secure the most suitable mortgage deal.
Our team can help you to find the best remortgage deals by scouring through thousands of options on your behalf.
If you need expert remortgage advice in Birkenhead, please don’t hesitate to contact us.
Our team is able to offer all customers remortgage advice and support on various remortgage paths, such as home improvements, debt consolidation, equity release, and bad credit mortgages.
Buy to Let in Birkenhead
We have helped numerous aspiring landlords, as well as experienced landlords in Birkenhead, who wish to expand their property portfolio by obtaining a buy to let mortgage in Birkenhead.
Throughout the years, we have built up strong relationships with local landlords, helping them in securing their new buy to let mortgages in Birkenhead, as well as their remortgages in Birkenhead that follow.
Self Employed in Birkenhead
If you’re self employed in Birkenhead and looking for a mortgage, it’s important that you make sure you are aware that the application process may be different from what it would be for traditionally employed applicants.
You will likely be required to provide much more documentation to the mortgage lender, in order to verify your income and meet their lending criteria.
Luckily, our mortgage advisors in Birkenhead are experienced in self employed mortgage lending requirements and have helped many applicants who are self employed in Birkenhead, to obtain their mortgage.
To be eligible for a self employed mortgage in Birkenhead, you must own at least 20-25% of your business and have been trading for a minimum of two years.
Right to Buy in Birkenhead
If you’re a tenant who is currently renting a property from the council or a local housing association, it may be worth seeking mortgage advice in Birkenhead for a right to buy mortgage in Birkenhead.
To determine your eligibility for the Right to Buy Scheme, you must meet up to the specific criteria.
Information about this can be found on the government Own Your Home website.
If you are eligible, you then have the opportunity to purchase your rental property at a reduced price, with your discount being based on the property’s value and the duration of your tenancy.
The discount may also be used as your deposit, potentially enabling you to avoid making any upfront payments.
That being said though, some mortgage lenders may still require you to put down a small deposit of your own, in order to ensure you can afford the mortgage and monthly payments.
We search 1000's of mortgage deals across a large number of lenders, including:
How do I transact with my Mortgage Broker in Birkenhead?
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 Birkenhead?
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.
Common mortgage questions
While it may be difficult to secure a mortgage with a low credit score, there are mortgage lenders that offer products specifically designed for individuals in this situation.
It’s essential to note that such products often require a higher deposit than standard mortgages, usually ranging from 10% to 15% of the property’s value.
If you need help securing a mortgage in Birkenhead despite having poor credit, our team is here to provide the necessary help.
As a mortgage broker based in Birkenhead, we have built a reputation for assisting numerous clients in obtaining second or multiple mortgages for various purposes, such as buy to lets, let to buys, holiday lets, and more.
Securing an additional mortgage typically requires a sizable deposit, a robust credit score, and the financial ability to make two substantial monthly mortgage payments. However, for buy to let or let to buy mortgages in Birkenhead, having a tenant may cover the second payment.
To evaluate your eligibility and ensure a smooth application process, we highly recommend seeking guidance from a mortgage advisor in Birkenhead before applying for another mortgage.
Our mission as a mortgage broker in Birkenhead is to provide complete support and guidance throughout the mortgage journey. Our objective is not only to secure any mortgage deal, but to find a product that fits your unique financial and personal circumstances.
Moreover, we will assist you in preparing your mortgage application to make a positive impression on your lender. We ensure that all required documents are in order to verify your income and affordability, which will increase your chances of obtaining mortgage approval.
When you book a free mortgage consultation with us, you should expect to spend about 30 minutes to an hour discussing your situation with one of our expert mortgage advisors in Birkenhead.
During the consultation, your dedicated advisor will ask about your financial and personal circumstances to gain a comprehensive understanding of your mortgage objectives. This helps us to identify the most suitable mortgage options that meet your specific requirements.
Following your consultation, your mortgage advisor in Birkenhead will review your information and conduct a thorough search to find the perfect mortgage product that aligns with your individual needs.
An Agreement in Principle (AIP) is a document that indicates a lender’s readiness to offer you a mortgage based on your income and affordability evidence.
In the mortgage application process, obtaining an AIP is highly significant. It enables you to make an offer on a property and may assist you in negotiating the purchase price with the seller.
For instance, if two potential buyers approach a seller, one with an AIP and the other without, the seller is more likely to choose the buyer with the AIP. This is because the buyer with the AIP has already received pre-approval and can proceed more quickly through the mortgage process.
Typically, AIPs are valid for 30-90 days and can be renewed upon expiration. To obtain an AIP, you can seek assistance from a mortgage broker in Birkenhead, like ourselves. We can generally arrange an AIP within 24 hours of your mortgage appointment.
When looking for a mortgage in Birkenhead, it’s crucial to bear in mind that the majority of lenders will require a minimum deposit of 5% of the property’s value.
Nevertheless, depending on your credit score, you may need to provide a more significant deposit, ranging from 10% to 15% or even more. If you would like to determine the amount you can borrow for a mortgage in Birkenhead, don’t hesitate to reach out to our team today.
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