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Mortgage Broker in Widnes

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

0151 438 2295Speak to an Advisor - It's Free!

Mortgage Broker in Widnes

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 0151 438 2295

Providing Expert Mortgage Advice in Widnes

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.

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Your Mortgage Options in Widnes

All of our Customers Receive a Free Mortgage Appointment!

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.

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Your Mortgage Options in Widnes

First Time Buyer Mortgages in Widnes

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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.

Moving Home Mortgages in Widnes

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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.

Buy to let Mortgage Widnes

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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.

Remortgaging in Widnes

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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.

Self Employed Mortgages Widnes

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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.

Mortgage Options for Over 50s in Widnes

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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.

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Our Simple 4-Step Process

Book Online

Step 1

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.

Free Mortgage Apppointment

Step 2

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.

Finding a Suitable Product

Step 3

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.

Submit Your Application

Step 4

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.

Reasons to Choose Us

Free Appointment in Widnes

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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.

Our Service

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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.

7 Days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in Liverpool

Common Mortgage Questions in Widnes

How much deposit do I need for a mortgage in Widnes?

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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.

When should I get an agreement in principle in Widnes?

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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.

How does my free mortgage appointment in Widnes work?

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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.

Why use a mortgage broker in Widnes like us?

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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.

Can I get a second mortgage in Widnes?

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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.

I have bad credit, can I get a mortgage in Widnes?

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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.

We Search 1000s of Mortgages in Widnes

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HSBC
Nationwide
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Natwest Mortgage Advice
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

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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