Mortgage Advice in Widnes from Advisors with over 20 years of mortgage industry knowledge.
For your FREE mortgage consultation in Widness call 0151 438 2295
About UsFor your FREE mortgage consultation in Widness call 0151 438 2295
Mortgage Advice in Widnes from Advisors with over 20 years of mortgage industry knowledge.
About Us
4.98 Rating191 Reviews
Maisie
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...
1 month ago
Anonymous
Very professional
1 month ago
Nicole
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...
1 month ago
Liam
Really good service and friendly too
1 month ago
Katherine
Very informative and good communication.
2 months ago
Angela
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.
2 months ago
Nathan
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...
3 months ago
Darren
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
3 months ago
Thomas
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....
4 months ago
Lydia
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!
4 months ago
Chris
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...
4 months ago
Richard
Highly recommend. Made everything so much easier and stress free. Very personal and able to give great advice and support throughout the process.
5 months ago
Laura
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...
5 months ago
Oliver
Wayne and Meghan were great and everything was sorted without issue or effort. Great advice and got the product I needed. Great service.
5 months ago
James
I first used UK Moneyman when buying my house in 2017. I returned in 2021 for my remortgage. In both instances I found Malcolm and his team to offer excellent service, making the process clear and simple. He talked me through every step, and...
5 months ago
Gemma
Very helpful and professional
5 months ago
Laura
Very helpful. Reply to emails quickly and clearly. Would definitely recommend
6 months ago
bethany
Very much recommend! BMM are great to work with - efficient, dependable and knowledgeable.
6 months ago
Grayham
Anna was really helpful and informative every step of the way. Very happy with the service.
7 months ago
Matthew
Lynsey and Jason, have been exceptional from start to finish. They have offered invaluable advice, support and always worked in our best interests. This has been and extremely trusting and and supportive experience as first time buyers and myself...
7 months ago
- Mortgage Advice
- Why Us?
A Mortgage Advisor in Widnes you can Trust
Welcome to our mortgage broker website in Widnes. Our trusted team of mortgage advisors are here to help you every step of the way, through your home purchase or remortgage.
We pride ourselves on our mortgage advice service so please feel free to look at our genuine customer reviews at Reviews.co.uk.
Unlike a lot of larger mortgage advice companies, we are a smaller and experienced team of friendly mortgage brokers, we are here to answer all your enquiries.
We can search thousands of mortgage products to find you the best deal based on your individual circumstances.
Whatever your personal mortgage situation, we’d love to try and help.
Why shouldn’t I go to my bank for Mortgage Advice in Widnes?
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.
Why Us?
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.
We search 1000's of mortgage deals across a large number of lenders, including:
How do I transact with my Mortgage Broker in Widnes?
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!
Follow us on Social Media
We are always active on social media, often posting mortgage guides, videos, review, market updates and much more! Follow MoneymanTV on YouTubefor our latest video content.
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.
Handy quick links
Malcolm's
mortgage guides
