Mortgage Broker in Wirral
Mortgage Advice in Wirral
Book Your Free Mortgage Appointment Online
Read our 213 Reviews
As a mortgage broker in Wirral, we will hold your hand through the whole process, removing all of the stress of getting a mortgage. We have helped many applicants through complex and specialist mortgage scenarios, get in touch and we will see whether we can help you through yours!
For your FREE mortgage consultation in Wirral call 0151 438 2295
Book OnlineFor your FREE mortgage consultation in Wirral call 0151 438 2295
As a mortgage broker in Wirral, we will hold your hand through the whole process, removing all of the stress of getting a mortgage. We have helped many applicants through complex and specialist mortgage scenarios, get in touch and we will see whether we can help you through yours!
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 Wirral
Speaking to a mortgage broker in Wirral can make the mortgage process stress-free. We will handle the whole mortgage side of the process allowing you to buy your new property with ease.
Our team are very experienced and knowledgeable, with over 20 years of experience in the sector. We’ve had the pleasure of being able to help applicants in all different kinds of mortgage situations, with some being more complicated than others.
If you have been faced with a complex problem and you need mortgage advice in Wirral, be sure to reach out to us and we can learn a little more about your problem. Our mortgage advisors in Wirral are available 7 days a week, to get in touch, all you need to do is ask a question, schedule a callback or book a free mortgage appointment.
Using a Mortgage Broker in Wirral
Our job is not just to find you any mortgage deal for your new property, we will find you a deal that is tailored to your personal and financial situation. We will do this by assessing your circumstances during your free mortgage appointment. Your mortgage advisors in Wirral will also ask you questions to paint a picture of your situation.
Whilst searching for the perfect mortgage product for you, we will look at a variety of different lenders to find one for you. On panel, we have over 30 different lenders, meaning that we can search through 1000s of mortgage products on your behalf. Featured products include deals from both high street and specialist lenders.
Your mortgage product will have been individually picked out for you, based on the information you provided during your appointment. You are under no obligation to take this product out with us.
Discuss Your Mortgage Options in Wirral
We have experience with many different types of buyers; our mortgage advisors in Wirral have been working for over 20 years and know the ins and out of the industry.
First time buyer in Wirral
Since it is your first time going through the mortgage process, it would be beneficial for you to have a mortgage broker in Wirral alongside you to guide you through from start to finish. We love helping first time buyers and we want to help you next!
We can also help you work out how much you can borrow by performing an affordability assessment on you. This will help you work out the maximum property price that you are able to afford. You’ll also receive an agreement in principle (AIP) to support your borrowing capacity when making an offer on a property. We can usually arrange an AIP for you within 24 hours of your mortgage application.
Remortgage advice in Wirral
As you approach the end of your fixed-mortgage term, you will need to think about taking out a new mortgage product. This is so that you avoid falling onto your lender’s standard variable rate of interest. This rate is likely much higher than your current rate meaning that your monthly payments should increase.
Using a large panel of lenders. we are able to search through 1000s of remortgage products to find the best one for you. We will try and find you a deal that saves you time and money.
If you are looking at your other remortgage options, such as remortgaging for home improvements, debt consolidation or equity release, then get in touch and we can look at your eligibility.
Moving home in Wirral
If you are moving home in Wirral, you need to balance buying and selling a property at the same time, which can be extremely stressful. We want to take all of this stress away from the process by handling the mortgage side of the process.
If you are unable to port your mortgage, you will need to take out a mortgage on your new home. This is something that we would love to help you with. Simply book a free mortgage appointment online and schedule a callback with one of our mortgage advisors in Wirral.
Buy to let in Wirral
Those looking to invest in buy to let would benefit from mortgage advice in Wirral. The process is very much different to the traditional mortgage process and it could be crucial to have an expert by your side to help you obtain a competitive product.
You will require a 25%-40% deposit for your buy to let mortgage in Wirral. This is because you have to meet two sets of mortgage payments month on month. Of course, your tenant will cover one set of payments, however, what happens if they move out, they have to consider this.
Mortgages for those over 50 in Wirral
If you are over 50 and are looking to get a mortgage in Wirral, you should contact our dedicated later-life mortgage team. You can book a free appointment with them online, or give us a call!
Our simple four-step process in Wirral
To start your mortgage process, simply get in touch with our team. You can do this by booking a free mortgage appointment online or by giving us a call. You will be paired with a mortgage advisor in Wirral that specialises in your mortgage situation.
During your free mortgage appointment, your advisor will ask you a series of questions regarding your mortgage situation. This will help them find you a mortgage product most suitable to your personal and financial situation. Once they have found the perfect product for you, they will present the deal to you.
If you are happy with the mortgage product you have been recommended and want to continue with us and the deal, it’s time to prepare your mortgage application. From this point, you will be assigned to a case manager who will help you prepare your application.
After you submit your application, all that is left now is waiting to hear back from the mortgage lender. Once we hear back the good news, all that is left is to get your keys for your new home!
Reasons to choose us as your mortgage broker in Wirral
We can search through 1000s of mortgage products on your behalf, we will factor in your personal and financial situation before recommending a product to you. We will look at your circumstances and what you may be able to access during your free mortgage appointment.
Getting mortgage advice in Wirral has never been easier. Simply give our team a call at a time that suits you, we will be able to answer any mortgage questions that you have.
We are available 7 days a week to work around your busy schedule. You can book a free mortgage appointment early in the morning, in the afternoon or late at night. We know that everyone is busy and we want to make you the most comfortable that you can be.
Take a look at our excellent customer reviews and see what others have thought of our service. We’ve helped many customers over our 20 years of working as a mortgage broker in Liverpool, and we could help you next!
Contact us today and speak with a mortgage advisor in Liverpool.
We search 1000's of mortgage deals across a large number of lenders, including:
Bank vs Broker
Banks are only able to access their own in-house mortgage products, whereas, we are able to access a whole panel of lenders. This gives us access to thousands of mortgage products that we can search on your behalf!
Follow us on Social Media
We are very active on our socials, often posting recent mortgage market news, helpful guides for buyers and we even have our own YouTube channel, MoneymanTV. Make sure to check us out!
Free Mortgage Appointment
You can book your free mortgage appointment with a mortgage advisor in Wirral online or by giving us a call. We will pair you with the appropriate advisor that specialises in your personal and financial situation.
Common mortgage questions
When looking for a mortgage in Wirral, it’s crucial to keep in mind that most lenders generally require you to have a minimum deposit of 5% of the property’s value.
Nevertheless, depending on your credit rating, you may be required to provide a larger deposit, ranging from 10%-15% or possibly more. If you want to determine how much you can borrow for a mortgage in Wirral, don’t hesitate to contact our team today.
An agreement in principle (AIP) is a document that a lender issues to show their willingness to lend to you based on the evidence of your income and affordability for a mortgage.
An AIP is a crucial element in the mortgage process. It enables you to make an offer on a property and can help you negotiate prices with the seller. For example, if two prospective buyers approach a seller, one with an AIP and one without, the seller is more likely to prefer the buyer with the AIP. This is because they have already been pre-approved and can proceed more quickly through the mortgage process.
AIPs are typically valid for 30-90 days and can be renewed once they expire. To obtain an AIP, you can speak with a mortgage broker in Wirral, like us. We can usually arrange an AIP within 24 hours of your mortgage appointment.
Despite the potential difficulties of having a poor credit score and getting a mortgage, there are specialised lenders who offer mortgage products tailored to buyers in this predicament. It’s worth noting that such products typically require a larger deposit compared to standard mortgages, usually ranging from 10%-15% of the property value.
If you need assistance in obtaining a mortgage in Wirral despite having bad credit, our team is here to provide the necessary support.
As a mortgage broker in Wirral, we have a history of helping many clients secure second or multiple mortgages for various purposes, including buy to lets, let to buys, holiday lets, and more.
Typically, obtaining an additional mortgage requires you to have a large deposit, a strong credit rating, and the financial capability to meet two substantial mortgage payments each month. However, for let to buy or buy to let mortgages in Wirral, having a tenant may cover the second payment.
We strongly advise that you consult a mortgage advisor in Wirral to assess your eligibility before applying for another mortgage.
When you book a free mortgage consultation with us, you can expect to spend around 30 minutes to an hour speaking with one of our experienced mortgage advisors in Wirral.
During the consultation, your assigned mortgage advisor will ask you questions about your financial and personal circumstances to gain a comprehensive understanding of your mortgage objectives. This allows us to pinpoint the most suitable mortgage options that cater to your specific needs.
Following your consultation, your mortgage advisor in Wirral will analyse your details and carry out an extensive search to find the perfect mortgage product that fits your individual requirements.
Our main objective as a mortgage broker in Wirral is to provide complete support and guidance throughout the mortgage process. We don’t just get you any mortgage deal; rather, we try and find you a mortgage product that fits your unique financial and personal circumstances.
In addition, we will help you prepare your mortgage application to create a positive impression on your lender. We make sure that all the necessary documents are in order to verify your income and affordability, thereby increasing your chances of getting approved for a mortgage.
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