Read our 197 Reviews
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.
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
4.98 Rating197 Reviews
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
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...
Helpful friendly advice from everyone involved
We would recommend Liverpoolmoneyman to anyone !! Very good, very helpful, very friendly, very nice, clear information given with full explanations !!
Excellent service from the moneyman from the 1st phone call, throughout the whole application process. 100% service.
Dan has been fantastic throughout , went through every step with us , would definitely recommend him and the company
Extremely happy with the service provided and we would highly recommend Uk Money Man for anyone - but especially for first-time buyers who are unsure about the moving process. Special thanks to Wayne and Louise who were there to help from the...
Could not recommend Matt and Megan enough! Being a first time buyer, I did not know what the buying process would entail. Thankfully, Matt and Megan explained everything as we went along. Matt went above and beyond to answer my calls when we...
Really good service and friendly too
Very informative and good communication.
Very pleased with the the service. Dan was very helpful and explained everything as the process went along in a clear way. All options were looked to see which would be the best option for myself. This made doing the product transfer hassle free.
Our brokers were incredibly helpful and committed over a long period of time from us not being in the right position to remortgage, to months later when we were. They have kept up to date with how our mortgage process has been going and offered...
Anna was brilliant from first contact to the end of the process was just a few days and I didn’t have any stress at all Will definitely recommend
Being first time buyers and finding a suitable mortgage was a daunting concept before we decided to go through UK Moneyman. Matt and Chloe made what would otherwise be a stressful process into one that was completely seamless and stress free....
Ryan & Kayleigh were fantastic to deal with. Helpful, efficient and nothing seemed like too much. With all of the excellent reviews, it seemed too good to be true but they really are as good as people say they are! Thanks again!
Brilliant service from start to finish, we had no idea on the process and every little question has been answered along the way no matter how trivial. We can’t thank Malcolm, Joe and Lyndsey enough for their help throughout this process and...
Highly recommend. Made everything so much easier and stress free. Very personal and able to give great advice and support throughout the process.
I had some issues with getting a mortgage with a high street lender and I thought I would lose out on a house I loved, but both Charlie and Megan have worked so hard to find me an alternative mortgage, explaining the process really clearly along the...
Wayne and Meghan were great and everything was sorted without issue or effort. Great advice and got the product I needed. Great service.
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.
The following are the most common types of mortgages that many home buyer and home movers go for:
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.
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.
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.
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.
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.
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.
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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.
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.
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!
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.
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.
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.