Mortgage Broker in Southport
Mortgage Advice in Southport

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With over 20 years of experience in the sector, we have experience with all different types of mortgage scenarios. From helping first time buyers to those looking to invest in buy to let, we are here to offer a helping hand to all mortgage applicants, even those in a complex situation

Call 0151 438 2295 for your FREE mortgage consultation in Southport.

Enquire Online

Call 0151 438 2295 for your FREE mortgage consultation in Southport.

Malcoms Image

With over 20 years of experience in the sector, we have experience with all different types of mortgage scenarios. From helping first time buyers to those looking to invest in buy to let, we are here to offer a helping hand to all mortgage applicants, even those in a complex situation

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 Rating213 Reviews

Mortgage Broker in Southport | Mortgage Advice Southport

Our role as your mortgage broker in Southport is to provide support and guidance throughout the whole mortgage journey, creating a stress-free mortgage process so that you can enjoy moving into your new home.

 

It’s simple, all you have to do is get in touch with our team by booking a free mortgage appointment online, giving us a call to arrange a callback or asking us a question. We appreciate that it can be difficult to know where to start the mortgage process, we are here to help you kickstart your mortgage journey in Southport and make it as stress-free as possible.

Find you the perfect mortgage in Southport

We don’t just help you find a mortgage for your new property, as a mortgage broker in Southport, we try and find you a mortgage deal that is tailored to your personal and financial situation. If we can save you time and money in certain scenarios, we will do that too!

 

When searching for the perfect mortgage for you, your mortgage advisor in Southport will look through 1000s of mortgages on our large panel of lenders. We can access both high street and specialist products, meaning that if you have a slightly more complicated situation, you still may be able to get a mortgage. Most of the time, if you are in a complex situation such as having bad credit, you will have to provide a slightly higher initial deposit, somewhere between 10%-15%.

 

Getting mortgage advice in Southport and speaking to an expert is never something to look over. It can be extremely beneficial for you to get help from experts who will not only make your life easier but may also help you save money further down the line.

All mortgage situations in Southport considered

Those in specialist scenarios should consider getting mortgage advice in Southport. As a mortgage broker in Southport, our job is to help buyers like yourself overcome these mortgage hurdles and secure you a mortgage. We are open and honest, and if you are unable to get a mortgage, we offer advice that you will need in order to get a mortgage in the future.

 

We are used to helping all kinds of buyers. Even if you think that your situation to too complicated and don’t think that it is worth reaching out to us, please do! Our team have worked through thousands of mortgages in Southport and it is likely the case that we have encountered the same issue or something similar before.

First Time Buyer Mortgage Advice in Southport

If you are a first time buyer in Southport, we know that the mortgage process may seem a little daunting and you may not know where to even start. This is where our job comes in. We are here to help and we only have your best interests at heart; getting you through the mortgage process and securing those keys for you is our job!

 

Get in touch with one of our mortgage advisors in Southport to find out how much you are able to borrow for your mortgage. This is calculated through various affordability assessments and credit checks. Your mortgage advisor in Southport can also arrange an agreement in principle for you within 24 hours of your free mortgage appointment.

Remortgage Advice in Southport

When approaching the end of your fixed term, you will need to start thinking about remortgaging. Remortgaging is the process of taking out a new mortgage product to replace your current deal. You will need to do this to avoid falling onto your lender’s standard variable rate of interest. Your lender’s rate is likely much higher than your current rate, hence increasing your monthly repayments.

 

As a mortgage broker in Southport, we are able to search the market for 1000s of remortgage products on your behalf. We will try and find you a competitive product that not only saves you money but is best suited to your personal and financial situation. If you are unable to access a better rate, we will be honest with you and tell you so. We want the best for you.

 

We can also explore your other remortgage options with you, such as remortgaging for home improvements, equity release and debt consolidation.

Moving Home Advice in Southport

When moving home in Southport, you are not just moving into your new property, you have to also think about selling your current property. You will also need to think about how you are going manage the mortgage side of the process.

 

If you are unable to port your mortgage in Southport, you will need to look at a new mortgage on your new home. To relieve some of your stress, we can take on this job for you and make it 10x easier for you! To book a free moving home consultation in Southport, we recommend booking online so that you can choose a date and time that works around your busy moving home schedule.

Buy to Let Advice in Southport

We have over 20 years of industry experience and have established strong relationships with various landlords in the Southport area. If you are thinking of investing in a buy to let or let to buy in Southport, we’d recommend speaking with a mortgage advisor in Southport.

 

Some landlords consider their HMO, interest-only and holiday let options; this is something that we may be able to help you with.

Mortgages for the over 50s in Southport

If you are looking at your later-life mortgage options, look no further, we have a dedicated in-house later-life time to help you with your mortgage enquiries. To get in touch, book a free mortgage appointment online or over the phone to speak with a later-life mortgage advisor in Southport.

Open & Honest Mortgage Advice in Southport

Making sure that you get transparent mortgage advice in Southport is extremely important to us. We want you to know that we work solely for you!

 

Our simple four-step mortgage process

First of all, book your free mortgage appointment, give us a call or ask a question online. Our amazing team will be back in touch as soon as possible. When you choose to book online, you will be able to select your own date and time for your free mortgage appointment, making it easier to work around your own schedule.

 

During your free mortgage appointment, you’ll get the chance to speak with a mortgage advisor in Southport. They will ask you a series of questions regarding your personal and financial mortgage situation. This will help them work out what sort of mortgage products you are able to access. Once they find you a mortgage perfect for you, it is up to you whether or not you want to take the deal.

 

If you want to continue with us and the deal, then it is time to start your mortgage application. At this stage, your mortgage advisor in Southport will pass you over to your own, dedicated case manager to prepare your evidential documents to support your affordability. Once we are done, it is now time to submit!

 

We will keep you up-to-date at all times and inform you of any changes regarding the status of your mortgage application. As soon as we hear the good news, we will be straight in touch! All that is left now, is to get the keys to your brand-new home!

Reasons to Choose Us as Your Mortgage Broker in Southport

We operate 7 days a week so that you can book your free mortgage appointment at a time most convenient to you. This allows you to work around your busy schedule and fit in your appointment when it suits you. Feel free to book a slot early in the morning, in the evening or late at night.

 

As your mortgage broker in Southport, we are able to search 1000s of mortgages on your behalf. We will look at your personal and financial situation to determine what deals will be best suited to you. Remember that we only have your best interests and heart!

 

Our brilliant customer service is portrayed in our reviews. Over the years as working as a mortgage broker in Liverpool, we have collected a large number of customer reviews and we are extremely proud to have so many customers that have valued our service. Take a look at some of them and see what others have to say about us.

 

Delivering open and honest mortgage advice in Southport is what we do best, we want you to know that we only want the best for you. Our plan is to save you time and money as well as to find you a perfect mortgage product that matches your individual situation perfectly. Get in touch for expert mortgage advice in Liverpool today.

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

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Get mortgage ready in Southport

Part of our mortgage process involves helping you prepare your mortgage application. We will make sure that you have correct evidential documents in place, some of these documents include your payslips, bank statements, P60 and proof address and identification.

Follow us on social media!

We frequently post on our social channels to educate you with all things mortgage. We also have a YouTube channel where Malcolm the 'the moneyman' discusses the current mortgage market and various tips and tricks.

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Get an AIP within 24 hours

As a responsive mortgage broker in Southport, we are able to produce an agreement in principle (AIP) within 24 hours of your mortgage appointment. An AIP will prove incredibly useful when making offers on properties in Southport, it may also help you negotiate with the seller of the property.

Common mortgage questions

It’s important to know that when seeking a mortgage in Southport, most lenders typically require you to supply a minimum deposit of 5% of the property’s value.

However, depending on your credit rating, you might be obligated to provide a larger deposit, which could range from 10%-15% or even more. If you wish to ascertain the amount you can borrow for a mortgage in Southport, feel free to contact our team without delay.

As a mortgage broker in Southport, we strive to provide extensive support and guidance throughout the entire mortgage process. Our services go beyond simply locating a fitting mortgage deal for you; we try and find you a product that fits perfectly with your unique financial and personal situation.

Furthermore, we assist you in preparing your mortgage application to make the best impression possible on your lender. We ensure that all the necessary documentation is in order to verify your income and affordability, which can improve your chances of approval by the mortgage lender.

You can anticipate spending approximately 30-60 minutes conversing with one of our mortgage advisors in Southport.

During your consultation, your designated mortgage advisor in Southport will ask about your financial and personal circumstances to obtain a comprehensive understanding of your mortgage goals. This enables us to identify the most appropriate mortgage options that align with your specific needs.

After your consultation, your mortgage advisor in Southport will look at your information and conduct a thorough search to locate the ideal mortgage product that suits your unique requirements.

As a mortgage broker in Southport we have successfully helped numerous clients secure second or multiple mortgages for various purposes, such as buy to lets, let to buys, holiday lets, and more.

Usually, obtaining an additional mortgage entails having a significant deposit, a solid credit rating, and the financial capacity to manage two substantial mortgage payments each month. Nevertheless, for buy to let or let to buy mortgages in Southport, having a tenant may cover the second payment.

We highly recommend that you seek advice from a mortgage advisor in Southport to evaluate your eligibility before applying for another mortgage.

Although having a poor credit score can pose challenges when trying to secure a mortgage, there are lenders who specialise in offering mortgage products designed for buyers in this situation. However, it’s important to be aware that these products often require a larger deposit, usually ranging from 10% to 15% of the property value, when compared to standard mortgages.

If you’re struggling to obtain a mortgage in Southport due to bad credit, our team is available to provide the necessary support.

When a lender examines your income and affordability for a mortgage and decides to lend to you, they issue a document called an agreement in principle (AIP). This document is essential in the mortgage process, as it allows you to make an offer on a property and potentially negotiate prices with the seller. A buyer with an AIP is more attractive to a seller than one without, as they have already been pre-approved and can proceed through the mortgage process more quickly.

Typically, AIPs are valid for 30-90 days, but they can be renewed upon expiration. If you need an AIP, you can speak with a mortgage broker like us in Southport. We can usually arrange an AIP within 24 hours of your mortgage appointment.

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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