Help to Buy Mortgage Advice in Liverpool

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Help to Buy in Liverpool – All Schemes

We always find that the Help to Buy Scheme is an increasingly popular option for many first time buyers in Liverpool. That being said, it isn’t unheard of for it to have its own challenges.

How do you qualify for a Help to Buy in Liverpool?

We will review your circumstances and provide you with personalised Mortgage Advice in Liverpool. During your free mortgage appointment, we will help to determine whether or not you qualify for the government Help to Buy Scheme.


 The maximum purchase price for using this scheme is completely dependent on where you are looking to live. To learn more about a Help to Buy in Liverpool and the full property price limits per area, take a look at the government’s OwnYourHome website.


It is also important to remember that you cannot purchase a second home with the help of this scheme, the property you purchase must be your only residence. You are also restricted from making any part-exchange or sub-letting deals on your home.


On top of this, you cannot be married or cohabiting with anyone who owns or has previously owned their own home somewhere else in the world. If you are applying for a Help to Buy in Liverpool and are married/cohabiting, you will have to make a joint Help to Buy application and neither of you can have another residence.

Open & Honest Mortgage Advice in Liverpool

In utilising the help of a trusted and dedicated mortgage advisor in Liverpool, you will have a helping hand in overcoming any hurdles you encounter. We will do everything within our power to provide our customers with an open, honest & stress-free mortgage service during the process of their Help to Buy in Liverpool.


An experienced member of our team will be on hand to provide guidance and support throughout every step of your mortgage. We will ensure you are kept informed with necessary updates or changes to your individual case, as well as anything else you need to know.


Our team of mortgage advisors in Liverpool will always be on hand and ready to help you with any of your mortgage needs. We always do our best to educate our customers and help them to better understand the Help to Buy Scheme that they will be using.


Customers are at the heart of everything we do here at Liverpoolmoneyman. We always put your best interests first and support you in any way that we can, from the beginning of your process, all the way through until the end.


By having us working for you during your Help to Buy in Liverpool, you’ll have the incredible benefit of a guiding hand and listening ear whenever you are faced with challenges during your mortgage process.

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Expert Help to Buy Mortgage Advice in Liverpool

Our trusted team of Mortgage Advisors in Liverpool, here at Liverpoolmoneyman, will always recommend to you the most appropriate mortgage deal that matches your financial and personal situation.


We aim to reduce your stress levels during your Help to Buy in Liverpool, making sure you are kept informed and secure, all throughout your mortgage process.


Help to Buy in Liverpool – Do I Qualify?

Before we begin with the process of helping you to obtain a Help to Buy in Liverpool, we will need to determine your eligibility for the available schemes that are out there for first-time home buyers in Liverpool.


In order to gain a much more in-depth understanding of the different schemes that you could have access to, book your free initial mortgage appointment with one of our trusted and experienced mortgage advisors in Liverpool.


To learn more about the Help to Buy Schemes available to you, take a look at the government Own Your Home website.

Why should you choose us as your mortgage broker in Liverpool?

As an open & honest Mortgage Broker in Liverpool with well over 2 decades of providing fast & friendly mortgage advice in Liverpool, we have worked alongside many different customers. Our hardworking team strive to do all they can to make sure you achieve your home buying and owning dreams.


In our experience, we have been by the side of many customers who have been looking to utilise a Help to Buy in Liverpool. Once you get in touch with a trusted and dedicated mortgage advisor in Liverpool, you’ll have endless mortgage support from our team. This is from your first communication with us, all the way through until the completion of your mortgage.


If your personal situation and the property you’re looking to buy match the criteria for a Help to Buy in Liverpool, our team have the ability to work through the paperwork with you and even liaise with any external parties when it is applicable to do so. This includes helping with surveyors or solicitors, pointing you in the right direction.


During the course of your initial free mortgage appointment, your mortgage advisor in Liverpool will look through all of the mortgage figures with you, helping you to figure out what your monthly costs may be and the amount you could be able to borrow.


As a well-known and trusted mortgage broker in Liverpool that is proud to provide clear & simple mortgage advice in Liverpool, we are here to guide our customers all throughout their Help to Buy in Liverpool.


Get booked in for a free mortgage appointment and a dedicated mortgage advisor in Liverpool will see how we can help.

Reviews Stars4.98 Rating213 Reviews

Common mortgage

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.

You will always need to have at least 5% deposit.

Your free mortgage consultation with Liverpoolmoneyman will last around 30 mins. 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.

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 30 mins. 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.

We make it so easy!
Our 4 step process

Step 1

Give us a call and a Mortgage Advisor in Liverpool will recommend the best Help to Buy scheme based on personal circumstances.

Step 2

Enjoy finding your dream home in Liverpool

Step 3

Make an offer on the property and once accepted, we will progress your mortgage application.

Step 4

We will be here to answer all of your mortgage questions right through till you get your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

© 2023 Liverpoolmoneyman

Liverpoolmoneyman, Rodney Chambers, 40 Rodney Street, Liverpool, L1 9AA.

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