Welcome to our Mortgage Advice page. We are a Mortgage Broker in St Helens and have been providing Mortgage Advice in St Helens and surrounding areas for over 20 years now. Our job is to guide you through the whole mortgage process and help you secure a competitive mortgage deal. The difference between you going directly to your bank/lender and approaching a Mortgage Broker in St Helens is that a broker has access to 1000’s more deals. For example, we have a panel of more than 30 lenders that we can access and search through to try and find you a deal that will benefit your personal and individual situation.
We pride ourselves on the level of service we provide to our customers as we guide them through the home buying or remortgage process. Customers are at the heart of our business and we always aim to exceed their expectations with our service.
We can also recommend suitable life, income protection and critical illness insurance to ensure you are covered against unforeseen events, such as being unable to work. Our customers are always our top priority and we want to ensure they’re looked after both during the mortgage process and afterwards.
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
We only have your best 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.
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.
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.
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.
We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
Please read our genuine customer Reviews at Reviews.co.uk. Your service is really important to us!
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.
The council will provide you with a discount for your Right to Buy mortgage, and more often than not, this will be used by your lender as your deposit. Usually, if you’ve had credit issues in the past, lenders will choose this option over making you contribute towards the deposit. Our Mortgage Advisors in Liverpool are able to answer your right to buy deposit questions.
You will always need to have at least 5% of the sale price of your newly built property in Liverpool. The Government will then loan you up to 20% to the properties value. Remember this is a loan and not free money, you will have to pay this back in 5 years otherwise you will start gaining interest on the rest of the 20%.
Buy to Let deposits can vary, a lot has to be considered by the lender and that is why it can be as little as 20% up to 40%. In Liverpool, we mostly see lenders wanting a minimum at 25%.
It is more than likely that if you roll straight onto your lenders SVR (Standard Variable Rate of Interest) then your monthly payments will go up. That’s why they love it when people forget that their deal is coming to an end. We will do our best to find you a competitive remortgage deal in Liverpool that could even end up saving you money. If you have equity in your property, a remortgage would also allow you to release some of this money if required. Usually, this is used for home improvements such as a kitchen extension.
It is possible to remortgage and increase the size of your mortgage to pay off any unsecured debts you may have. Before you rush into anything, there are sometimes downsides to doing this, so we always advise that you speak to a Mortgage Advisor in Liverpool, like us who can explain everything about debt consolidation.
Your initial free remortgage consultation in Liverpool will last around one hour. We will then search through thousands of remortgage deals over our panel of 38 lenders and compare them to your current deal to see if we can find a perfect deal that can save you some money. You can then decide whether you wish to go ahead and continue with us and the dealor take a step back.
There are some obvious fees that come with remortgaging, they will be similar to ones that came with your current one. However, if you went to a Mortgage Broker in Liverpool, they can talk you through all of the costs and sometimes show you where you can save money. There are probably some ways to reduce your mortgage arrangement costs in Liverpool.
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.