Mortgage Broker in St Helens
Mortgage Advice in St Helens
Book Your Free Mortgage Appointment Online
Read our 213 Reviews
As a mortgage broker in St Helens, we have over 20 years of experience in the mortgage industry and have helped many customers achieve their mortgage goals. We have a team of mortgage advisors who can help you throughout the mortgage process.
Call 0151 438 2295 for your FREE mortgage appointment in St Helens.
Book OnlineCall 0151 438 2295 for your FREE mortgage appointment in St Helens.
As a mortgage broker in St Helens, we have over 20 years of experience in the mortgage industry and have helped many customers achieve their mortgage goals. We have a team of mortgage advisors who can help you throughout the mortgage process.
Book 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?
Mortgage Broker in Wirral | Mortgage Advice in St Helens
If you are looking for a mortgage process that is stress-free and supportive, speak to our mortgage broker in St Helens today! We have been providing a friendly and trusted service for over 20 years.
Here at Liverpoolmoneyman, we have a fantastic team who utilise both their experience and knowledge to help many applicants in a variety of situations from moving home to finding their first property in St Helens. We also have experience in working with complicated cases.
With this in mind, if you feel your situation is too complex and are seeking open and honest mortgage advice in St Helens, our team are here to help. Our mortgage advisors in St Helens are here 7 days a week from early until late to answer any questions and be available to you for a free mortgage appointment. This is something we offer to all our customers and is beneficial if you are looking for help and support on your mortgage journey.
Using a Mortgage Broker in St Helens
Every customer is in a different situation and has varying mortgage goals which is why we offer a free appointment for you to understand your situation in further detail. As well as this, we will carry out an affordability assessment in your appointment so we can use this information to find you a tailored deal for your personal and financial situation.
We have access to a large panel of lenders who offer both high street and specialist products which is something you wouldn’t get if you approach a bank. Your dedicated mortgage advisor in St Helens will search through 1000s of mortgage deals to find the one that is perfect for your situation.
When they have found the product they feel is the best for you, they will provide you with a recommendation that you can either accept or decline.
Discuss Your Mortgage Options in St Helens
For over 20 years, we have had the opportunity to help lots of customers achieve their mortgage goals with our mortgage advisor in St Helens using their knowledge in the mortgage industry to help customers achieve their mortgage goals.
First time buyer in St Helens
If you are looking at buying your first property but are unsure where to start, our team are here to help! As an expert mortgage broker in St Helens, we understand the mortgage journey can be like stepping into the unknown when you are a first time buyer which is why we are here to provide a helping hand throughout.
A common question we get asked when dealing with first time buyers is how much they can borrow. This is something we can determine by carrying out an affordability assessment on you which will help us work out the maximum property price you will be able to afford.
Remortgage advice in St Helens
When you come to the end of your fixed mortgage term, it will be time to look at taking out a new mortgage product. By doing this, you are reducing the risk of falling onto your lender’s standard variable rate of interest. It’s very likely that the rate will be a lot higher than your current rate which will result in your monthly payments increasing.
As mentioned, we can search through 1000s of remortgage products to find the most appropriate one for you. As well as this, we will work hard to find you a deal that saves you time and money.
If you looking into remortgage options including funding home improvement via a remortgage, debt consolidation or equity release, contact our team today!
Moving home in St Helens
Moving home can be renowned for being a stressful process. Here at Liverpoolmoenyman, our goal is to make the process less stressful by looking after the mortgage aspects of the process so you can focus on the move itself. It’s all part of our stress free and supportive we offer to many customers looking to move home in St Helens.
In the case where you are not able to port your mortgage, you will need to take out a mortgage on your new home. Our team can help you with this. You can book yourself in for a free mortgage appointment with one of our mortgage advisors in St Helens either online or by contacting our team.
Buy to let in St Helens
If you are a budding or existing landlord and are looking for a mortgage advice in St Helens, get in touch today! You will find that the buy to let process is very different to your regular mortgage process which means having an advisor there to help can be a huge benefit.
When it comes to a buy to let mortgage in St Helens, you will need to provide a deposit of around 25%-40%. The deposit is usually a lot larger because you will need to meet two sets of mortgage payments each month. Obviously, your tenant will support one set of payments but you will need to consider the potential factor that they might move out.
Mortgages for those over 50 in St Helens
For individuals who are over the age of 50 and are looking to get a mortgage in St Helens, get in touch with our expert late life mortgage team. Simply book a free appointment with them either online of by contacting our team.
Our simple four-step process in St Helens
To kickstart your mortgage process, you first need to contact our team by either booking a free mortgage appointment online or by giving us a call. From this, you will be assigned a dedicated mortgage advisor in St Helens that has in-depth information regarding your mortgage situation.
Within your free mortgage appointment, your advisor will want to get the full picture of your financial situation. They will ask you a series of questions and will help you find the best mortgage deal for your personal and financial situation. When they found you the most appropriate deal, they will provide you with a recommendation.
Once you are happy with the deal, we will then continue the process by preparing your mortgage application. This is when you will be assigned a case manager who will help you prepare your application.
As soon as your application has been submitted, it is now time to wait until you hear back from the mortgage lender. When your application is successful, it’s then time to get your keys to your new home!
Reasons to choose us as your mortgage broker in St Helens
Our team will get to know your situation and what you are looking to achieve in order to make a tailored recommendation. Before we recommend a product to you, we will consider your financial situation and look at what you may be able to access which will be done in your free mortgage appointment.
We understand that everyone has a different lifestyle and work schedule which is why we are available to call beyond the 9 to 5. Furthermore, our book online system allows you to book yourself in to speak to a mortgage advisor in Liverpool at a time that suits you.
Have a look at our genuine customer review to see how we have helped many customers achieve their mortgage goals as a mortgage broker in Liverpool.
We search 1000's of mortgage deals across a large number of lenders, including:
Bank vs Broker
A factor that differentiates us from the banks is that we have access to a large panel of lenders unlike the bank who is limited to their own in-house mortgage products. This means we can search 1000s of mortgage products on your behalf!
Follow us on Social Media
Our social media channels not only show you what we get up to at Moneyman HQ but has plenty of helpful resources including helpful guides about all thing mortgages. Our MoneymanTV YouTube keeps you up to date with what is happening in the market.
Free Mortgage Appointment
To book your free mortgage appointment with a mortgage advisor in St Helens, check out our modern book online system where you can select a date and time to speak one of our experts or by calling our team. We will assign you with the suitable advisor that specialise in your personal and financial situation.
Common mortgage questions
It is essential to remember that when searching for a mortgage in St Helens, most lenders typically necessitate a minimum deposit of 5% of the property’s worth.
However, based on your credit rating, you may be obliged to provide a more substantial deposit, ranging from 10%-15% or even higher. If you wish to calculate the amount you can borrow for a mortgage in St Helens, please feel free to contact our team today.
A document that displays a lender’s willingness to grant you a mortgage based on your income and affordability evidence is known as an Agreement in Principle (AIP).
In the mortgage process, an AIP holds significant importance. It allows you to make an offer on a property and may assist you in negotiating prices with the seller. For instance, if two potential buyers approach a seller, one with an AIP and the other without, the seller is more inclined to select the buyer with the AIP. This is because they have already received pre-approval and can advance more quickly through the mortgage process.
AIPs generally remain valid for 30-90 days and can be renewed upon expiry. To receive an AIP, you can consult a mortgage broker in St Helens, such as ourselves. We can usually arrange an AIP within 24 hours of your mortgage appointment.
Upon scheduling a complimentary mortgage consultation with us, anticipate spending approximately 30 minutes to an hour conversing with one of our knowledgeable mortgage advisors in St Helens.
Throughout the consultation, your designated mortgage advisor will inquire about your financial and personal circumstances to obtain a thorough comprehension of your mortgage goals. This enables us to identify the most appropriate mortgage options that cater to your precise necessities.
After your consultation, your mortgage advisor in St Helens will evaluate your particulars and perform an extensive search to discover the ideal mortgage product that aligns with your individual needs.
As a mortgage broker in St Helens, our primary goal is to offer comprehensive assistance and advice throughout the mortgage process. Our aim is not just to secure any mortgage deal, but to locate a mortgage product that suits your distinct financial and personal situation.
Furthermore, we will aid you in organizing your mortgage application to create a favourable impression on your lender. We guarantee that all necessary documentation is in order to confirm your income and affordability, which will enhance your likelihood of obtaining mortgage approval.
As a mortgage broker in St Helens, we have a reputation of assisting numerous clients in obtaining second or multiple mortgages for diverse purposes, such as buy-to-lets, let-to-buys, holiday lets, and more.
Typically, acquiring an additional mortgage requires a sizable deposit, a robust credit score, and the financial ability to make two substantial monthly mortgage payments. Nonetheless, for buy-to-let or let-to-buy mortgages in St Helens, having a tenant may cover the second payment.
We highly recommend that you seek guidance from a mortgage advisor in St Helens to evaluate your eligibility before submitting an application for another mortgage.
Although having a low credit score may pose challenges when seeking a mortgage, there exist lenders who provide mortgage products specifically designed for buyers in this situation. It’s important to keep in mind that such products generally demand a higher deposit than regular mortgages, typically ranging from 10% to 15% of the property’s worth.
If you require aid in acquiring a mortgage in St Helens despite having poor credit, our team is available to offer the required assistance.
Handy quick links
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