Mortgage Broker in Blackpool

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We love providing all our customers, with Mortgage Advice in Blackpool - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0151 438 2295.

Enquire Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0151 438 2295.

Malcoms Image

We love providing all our customers, with Mortgage Advice in Blackpool - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.

Enquire Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars4.98 Rating197 Reviews

Mortgage Broker in Blackpool | Mortgage Advice in Blackpool

Welcome to Liverpoolmoneyman, your online hub for expert Mortgage Advice in Liverpool & Blackpool. During our extensive years as a Mortgage Broker in Liverpool & Blackpool, our caring and supportive team have had the pleasure of assisting home buyers and home movers along their mortgage journey. With more than 20 years in the mortgage world, our team aims to save you time and money and provide you with the service you need by trying to find you the most suitable mortgage product to match your financial circumstances.

 

Whether it is your first mortgage experience or something you are familiar with, it is common for you to feel many emotions from nerves to excitement because of some aspects that come with making a financial commitment. We have experienced this with many customers. Here at Liverpoolmoneyman, we aim to provide a service in the hope of removing as much stress as possible from the process and overcoming all the obstacles you may face. With a mixture of experience and knowledge of the industry, you can rest assured that you will be in safe hands on your mortgage journey.

 

Our experience has allowed us to work with hundreds of customers in different cases, including those in complex situations. Therefore, feel free to contact us even if you think we cannot help because there is a high chance that we have encountered your situation before or something similar. Not only can we provide you with the best guidance and knowledge to help you overcome unexpected obstacles that may occur in your mortgage application but provide you with a supportive hand throughout your mortgage journey. Book your free mortgage appointment today to discuss your mortgage goals with one of our Mortgage Advisors in Blackpool.

Your Mortgage Options in Blackpool

The following are the most common types of mortgages that many home buyer and home movers go for:

First Time Buyer Mortgage in Blackpool

We do find that a First Time Buyer is prepared to pursue one of the biggest financial commitments they have experienced, however, wonder where to begin. From the first point of contact to getting the keys, we have a friendly team that will guide you through the journey and regularly updates you on the status of your application to ensure that they minimise technical jargon. If you find the process a bit daunting then speaking to a first time buyer Mortgage Advisor in Blackpool has never been easier; simply book online for your free mortgage appointment or contact us today.

 

The process will begin with a team member asking you a few questions to create a clearer picture of your financial situation. They will then undergo an affordability assessment. From there, your designated mortgage advisor in Liverpool and Blackpool will search through 1000’s of mortgage deals to find the most suitable one appropriate for your situation. They will also obtain an Agreement in Principle for you which is normally done within 24 hours of your initial appointment.

Moving Home in Blackpool

If you are Moving Home and searching for a mortgage in Blackpool, you may be more confident in the process as you have experienced it before. However, one of the factors in the process that can be a challenge is the need to find and buy a new property, while selling your current property to the estate agents at the same time. It can be difficult to balance the process of two properties, especially when you include the mortgage side. The good news is that our team can help manage the mortgage side of things.

 

There are many reasons why someone would look to move home, the most popular being to live in a larger property. If this is a circumstance you are in, check your affordability before taking viewing and making offers. We can assist you with working up a budget so that you know what types of properties you can afford in Blackpool.

Buy to Let Mortgages in Blackpool

Over the years, we have built a close and long-lasting relationship with lots of new and existing Buy to Let landlords. We have offered a range of different mortgage options, including HMO, Holiday Let, Let to Buy and more! If you are looking for a buy to let mortgage, our Mortgage Advisors in Liverpool & Blackpool can help check your affordability and explore your Buy to Let options.

Remortgaging in Blackpool

When you come to the end of your fixed mortgage term, this is the time to start looking at remortgage. This is where you will switch to another mortgage deal to not fall on your lender’s standard variable rate of interest. We can help you find competitive rates and products on the market. Along with finding a better deal, many look to remortgage for purposes like home improvements, to release equity or consolidating debt into their mortgage.

In the event of securing any debts against your home, you need to seek professional mortgage advice.

Self Employed Mortgages in Blackpool

For Self Employed applicants, process is similar to the other situations, with the one major difference being evidencing your income. This requires you to provide further documentation that your Mortgage Advisor in Blackpool will instruct you to show. Like many other types of mortgages, you still need to undergo an affordability assessment to see which offers are available to you.

Why Liverpoolmoneyman? – Your Mortgage Broker in Blackpool?

One significant factor that makes us stand out from a bank or building society is the strong access we have to a panel of lenders that offers products beyond the in-house products a bank or building society would offer. Moreover, a Mortgage Broker in Blackpool, like ourselves, will be responsive meaning you will not wait as long for an answer. We are available every day of the week, so book online or call us!

 

We pride ourselves on offering a service that aims to make someone as stress-free and simple as possible. We also go the extra mile for every person who comes into contact with us. This is further reflected in our customers’ reviews.

Our Simple 4-Step Process

Select your preferred date and time and follow the online book process.

We can put you in contact with an expert Mortgage Advisor in Liverpool & Blackpool who will get to know your situation in more detail and assess your affordability. Along with this, they will sort you an Agreement in Principle, which is normally provided within 24 hours of your free mortgage appointment.

 

This will allow your Mortgage Advisor in to find you a suitable mortgage product. Once you are happy with the deal, we can resume the mortgage application. When that is good, it is time to submit your mortgage application to the lender.

Have you been turned down by your bank?

If you have been turned down by your bank and are looking for the help of a Mortgage Broker in Blackpool, we are happy to help! It’s best not to apply to different banks as you will be at risk of negatively affecting your credit score, especially if you keep getting declined.

 

Sometimes, the reasoning behind the bank declining your application may be poor credit, a fault in your application, affordability or something else. We recommend that you work hard to improve these issues to avoid future credit applications.

 

Sometimes, a mortgage is not the best option for people at that time, but we still strive to find a product that is best for your personal and financial needs. As a Mortgage Broker in Blackpool, our team always provide a fast and friendly service to every customer. Moreover, we believe in transparency, so we will tell you if we cannot find a suitable deal for you and cannot get a mortgage, but find a way to help improve your chances next time. In this case, we will ensure that you are ready to provide useful information on how to improve your application.

We search 1000's of mortgage deals across a large number of lenders, including:

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How do I transact with my Mortgage Broker in Blackpool?

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 Blackpool?

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

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 an hour. 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 an hour. 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.

Liverpoolmoneyman.com & Liverpoolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2023 Liverpoolmoneyman

Liverpoolmoneyman, Rodney Chambers, 40 Rodney Street, Liverpool, L1 9AA.

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