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8am - 10pm, 7 Days a Week
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As a open and honest mortgage broker in Widnes, we will support and guide you throughout the entire mortgage process. Our aim is to take the stress away from your mortgage journey, so you can enjoy moving into your new home, or help you achieve your mortgage goals.
All we ask from you is to get in touch with a member of our team by booking a free mortgage appointment online, giving us a call to arrange a callback or asking us a question. We understand that the mortgage process can be difficult, and you might find yourself not knowing where to start, which is why we are here to help you kickstart your mortgage journey.
The job of a mortgage broker in Widnes, is to help home buyer and home movers overcome any mortgage hurdles and secure you a mortgage. Sadly, if you are unable to get a mortgage, we offer advice that you need so you might be more successful at being accepted next time.
Even if you think that your situation to too complicated and don’t think that it is worth reaching out to us, please reconsider. We have worked in the industry for over 20 years and dealt with hundreds of mortgages in Widnes and it is likely that we have encountered someone in your position before.
Ontop of finding you a mortgage for your new property, as a mortgage broker in Widnes, we search the market to try and find you a mortgage deal that is tailored to your financial situation, saving you time and money.Our mortgage advisor in Widnes will look search 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. We tend to find, those who are in a complex situation like have bad credit, you will have to provide a slightly higher initial deposit, somewhere between 10%-15%.
Receiving mortgage advice in Widnes and speaking to an expert mortgage advisor in Widnes have never been easier. Having the help from our experts has allowed us to work with hundreds of customers, so rest assured that you will be in safe hands with us on your mortgage journey.
First time buyers in Liverpool might find the mortgage process a little daunting and need the help of a mortgage broker in Widnes. We are here to help, you get through the mortgage process stress-free, from first initial contact to handing over the keys.
You will be able to find out the maximum amount you can borrow for a mortgage by speaking with one of our mortgage advisors in Widnes. They work this out by calculating through asking affordability questions and credit checks.
Within 24 hours after your free mortgage appointment, your mortgage advisor in Widnes can also arrange an agreement in principle for you, this is a handy tool to have when making any offers on properties.
When moving home in Liverpool, you are in the process of selling your current property and having to think about how you are going to manage the mortgage side of the process.
If you are unable to port your mortgage in Widnes, you will need to look at a new mortgage on your new home. To relieve some of your stress, we can take on the mortgage aspects, allowing you to focus more on the moving process. To book a free moving home review in Widnes, we recommend booking online so that you can choose a date and time that works around your busy moving home schedule.
We have over 20 years of industry experience and have established strong relationships with new and existing landlords in the Widnes area. If you are thinking of investing in a buy to let mortgages in Liverpool, we’d recommend speaking with a mortgage advisor in Widnes.
Some landlords consider their HMO, interest-only and holiday let options; this is something we might be able to help you with too.
When coming towards the end of your fixed term, you will need to start thinking about your remortgage options. A Remortgage in Liverpool 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 Widnes, we are able to search the market for 1000s of remortgage deals. We will try and find you the most suitable product, saving you time and money. If you are unable to access a better rate, we will be honest with you and tell you, because we want what’s best for you.
We can also explore your other remortgage options with you, such as remortgaging for home improvements, equity release and debt consolidation.
If you are self employed in Liverpool, the mortgage process will be similar to other scenarios, with one key difference - the requirement to provide evidence of your income.
Our mortgage advisor in Widnes will guide you on the additional documents you need to provide. Just like with other mortgage types, they will conduct an affordability assessment and explore the available deals suitable for you.
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 Widnes.
Our Customers Love Us
4.98 Rating223 Reviews
Calum
Very good service very helpful
21 hours ago
Mike
Dan and the team were expert and efficient, providing sound advice in difficult circumstances - our property falling outside the norm that mortgage providers usually encounter.
1 month ago
Phillip
Dealt with Liverpool Money Man for initial mortgage, and re-mortgage. Fantastic service, everything explained thoroughly. Thanks.
1 month ago
Amy
Charlie has been fantastic, we got in contact with him as we started house searching over a year ago and he was always available and willing to answer any of our questions no matter how stupid they were!
1 month ago
Janine
Great service received from Tom. He made the first time buyer process run as smooth as possible and explained every step. Would recommend and will use again when I come to renew my mortgage.
1 month ago
Elizabeth
Cannot recommend these guys enough - in particular Charlie and Paula. As first-time buyers, it felt like obtaining a mortgage would be stressful and overwhelming, but Charlie and his team went above and beyond to make sure we understood everything...
2 months ago
Richard
Both Jason and Meghan have been fantastic. They sorted my mortgage application with a high Street lender with no problem. They also arranged some competitive quotes for my life and home insurances. This had the added bonus of reducing there fees as...
2 months ago
Adam
Chris Thompson was an absolute gent and pleasure to deal with. He made the whole process of buying a home calm, reassuring and with a personal touch that made it feel as though he was equally as happy for me as I was myself. Along with Lyndsey,...
3 months ago
Gemma
Lyndsey worked incredibly hard to make our new home possible, without this support and in-depth knowledge of the mortgage market we wouldn’t be completing our home purchase on Friday. Thanks for everything you have done over the last 3 months....
3 months ago
Sarah
Highly Recommend! Such a good service Jason and Jo made the whole process stress free from start to end.
4 months ago
Dylan
Great to work with, fast and reliable and very good communication
4 months ago
Paula
Brilliant service they get back to you when they say they will. So Patient and helpful.Special thanks to Jo
4 months ago
Stephen
10/10 above and beyond from Dan and Louise couldn’t recommend these guys enough top class service
5 months 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...
5 months ago
Stacey
Great help in the process in securing my offer and would recommend to a friend Helpful with communication
5 months ago
Ronald
The Representative new his business and guided us through to completion without any major hurdles to climb
5 months 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...
5 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.
6 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,...
6 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.
6 months ago
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 given a knowledgeable mortgage advisor in Widnes, who will be able to understand your mortgage situation, and what you are looking to achieve.
Within your free mortgage appointment, your mortgage advisor in Widnes 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 most suitable mortgage deal for your personal and financial situation and provide you with a recommendation.
Once you are happy with our recommendation, we will then continue the process by preparing your mortgage application. This is when you will be assigned a case handler who will help you prepare your mortgage 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 organise a move in date and hand over the keys.
During your free mortgage appointment, our team will get to know your situation and what you are looking to achieve to make the right recommendation. As a reputable mortgage broker in Liverpool before we find you a suitable product, we will consider your financial situation and look at what you may be able to access.
If this is your first time embarking on the journey of buying a home, don't worry! Our friendly mortgage advisors in Liverpool are here to provide unwavering support throughout the entire process. We believe in being responsive, caring, open, and honest with you at every step of your mortgage application. Your confidence and comfort are our top priorities.
Everyone’s lifestyles are different, that’s why our availability can be 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.
When searching for a mortgage in Widnes, it’s vital to keep in mind that most lenders will require a minimum deposit of 5% of the property’s value.
However, depending on your credit score, you may need to provide a more substantial deposit, ranging from 10% to 15% or even higher. If you’re unsure of how much you can borrow for a mortgage in Widnes, our team is here to assist you. Contact us today to learn more.
An Agreement in Principle (AIP) is a crucial document that signifies a lender’s willingness to provide you with a mortgage based on your income and affordability evidence.
Obtaining an AIP is highly significant in the mortgage application process. It allows you to make an offer on a property and may help you negotiate the purchase price with the seller. For example, if two potential buyers approach a seller, one with an AIP and the other without, the seller is more likely to choose the buyer with the AIP. This is because the buyer with the AIP has already received pre-approval and can proceed more swiftly through the mortgage process.
Usually, AIPs are valid for 30-90 days and can be renewed upon expiry. To acquire an AIP, you can seek assistance from a mortgage broker in Widnes, such as ourselves. We can typically arrange an AIP within 24 hours of your mortgage appointment, ensuring a seamless and stress-free mortgage journey.
When you schedule a free mortgage consultation with us, anticipate spending 30 minutes to an hour discussing your situation with one of our expert mortgage advisors in Widnes.
During the consultation, your dedicated advisor will inquire about your financial and personal circumstances to gain a comprehensive understanding of your mortgage goals. This allows us to determine the most fitting mortgage options that meet your specific requirements.
After your consultation, your mortgage advisor in Widnes will review your information and conduct a thorough search to locate the ideal mortgage product that aligns with your individual needs.
As a expert mortgage broker in Widnes, we offer comprehensive support and guidance throughout the entire mortgage process. Our aim is not only to secure any mortgage deal but to find a product that aligns with your individual financial and personal circumstances.
Furthermore, we are dedicated to helping you prepare your mortgage application to leave a positive impression on your lender. We’ll make sure that all necessary documents are in order to verify your income and affordability, increasing your likelihood of obtaining mortgage approval.
As a mortgage broker in Widnes is well-known for assisting numerous clients in obtaining second or multiple mortgages for various purposes, including buy to lets, let to buy, holiday lets, and more.
Acquiring an additional mortgage usually necessitates a significant deposit, a strong credit score, and the financial capability to make two substantial monthly mortgage payments. However, for buy to let or let to buy mortgages in Widnes, having a tenant may cover the second payment.
To determine your eligibility and ensure a smooth application process, we highly recommend seeking guidance from a mortgage advisor in Widnes before applying for another mortgage.
Although obtaining a mortgage with a low credit score can be challenging, there are lenders that provide products tailored for individuals in this predicament.
However, it is important to note that such products often necessitate a larger deposit compared to regular mortgages, which typically range from 10% to 15% of the property’s value. If you require assistance in acquiring a mortgage in Widnes despite having poor credit, our team is ready to offer the necessary support.
Read our 223 Reviews
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
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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
