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The Mortgage Guarantee Scheme in Liverpool is a government-backed initiative aimed at helping buyers with smaller deposits secure a mortgage.
It allows potential homeowners in Liverpool to purchase a property with just a 5-9% deposit, making it a suitable option for many first time buyers and those looking to step back onto the property ladder.
The scheme gives lenders a government guarantee, encouraging them to offer 91-95% loan-to-value (LTV) mortgages, allowing more buyers to step up the property ladder.
This scheme enables buyers in Liverpool to access a 91-95% LTV mortgage. The government provides lenders with a guarantee, encouraging them to offer loans to buyers who have saved a smaller deposit.
For example, if you have managed to save a 5-9% deposit, the scheme allows you to borrow the remaining 95% of the property’s value.
This initiative is designed to boost homeownership and make the process more accessible for those in Liverpool who may otherwise struggle to save a larger deposit.
To be eligible for the Mortgage Guarantee Scheme in Liverpool, you must be purchasing a property to live in, not a second home or buy to let.
The scheme applies to properties valued up to £600,000, and you’ll need a deposit of at least 5-9%.
Both first time buyers in Liverpool and existing homeowners can apply. It’s important to note that not all lenders participate in the scheme, so seeking guidance from a mortgage advisor can help you find the most suitable deal.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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78 5 Star Reviews
tariro kufa
Remortgaging Fantastic service from UkMoneyMan. This is the 2nd time around dealing with UKmoneyman and this time our case was handled by Matt Cuthbert and his colleague Joe Pinder. Couldn't fault anything and we wouldn't hesitate using the service again. Thank you UkMoneyMan and your dedicated team.
9 Jun 2026
Luiza Freitas
Definitely recommend Moneyman team! They were with us in every step. Really helpful team, making everything clearer and answering every question!
9 May 2026
Peter Robinson
I have used Liverpoolmoneyman twice now. The reason I returned is that they are fast to respond, polite, professional and do everything they can to give you honest advice. Whilst I have had delays in arranging my mortgage and subsequent re-mortgage, Liverpoolmoneyman were not to blame for this and did everything they could to assist.
7 Apr 2026
Ben Cadwallader
We had a great experience remortgaging with the help of Liverpool Money Man - the service was efficient, booking and rearranging appointments was easy, Jason was knowledgable, helpful and clear with the information he shared. We were able to navigate a tricky time in the market with ease and when needed, Jason moved quickly to ensure we secured our preferred deal. Thank you for your help, we would recommend these guys
28 Mar 2026
James
Having used UK Moneyman to arrange my last mortgage, when my current deal ended, rather than doing the leg work myself I again approached Chris (Thompson) who I had dealt with prior. Although Chris doesn't normally deal with remortgages, he and the company were happy to allow him to assist - as we already had a working relationship. Again he got me a deal I was happy with, ran through all of the options available and what he thought would be my best way forward. the solicitors were included in the fee package (ONP in Stockport) who were very efficient and everything proceeded smoothly. Chris is always just a message away, if any issues arise, and he always gets back in touch promptly. The back office also keep in regular contact with too with updsates that they receive. A WORD OF ADVICE: just to assist with making sure your application runs smoothly - ensure you have all relevant paperwork to hand to send on to them (payslips, statements etc) it really does expedite the process for all concerned. All told another 5 star service from all the team, I highly recommend them - see you in 5years for (hopefully) my final remortgage!
12 Mar 2026
Rodrigue Tchomina
I had an excellent experience working with Liverpoolmoneyman throughout the entire process. From the beginning, they were professional, responsive, and incredibly knowledgeable. They took the time to clearly explain each step, answered all my questions, and made what could have been a very complex process feel straightforward and manageable. Communication was consistent and transparent, and I always felt supported and well-informed. They worked efficiently with all parties involved to ensure everything progressed smoothly and on time. I really appreciated their dedication and attention to detail, especially when navigating the lender’s requirements and making sure everything was handled correctly. Thanks to their guidance, the mortgage process was far less stressful than I expected. I would highly recommend their services to anyone looking for a reliable and professional mortgage broker.
6 Mar 2026
Alison Scott
We keep coming back to Liverpool MoneyMan and are consistently impressed by the team. This time, Luke dealt with our enquiry and was absolutely amazing from start to finish. Personable and professional with great knowledge and really supportive. I never felt under pressure and the information was clear and transparent. I would highly recommend Liverpool moneyman.
21 Aug 2025
Andrei Dumitrache
I thought applying as self-employed would be more complicated, but Chris guided us quickly and explained the whole process very clearly. We received our mortgage offer in a very short time and now we’re looking forward to completing the legal purchase. Highly recommended!
19 Aug 2025
David Davies
Took away all he hassle. This is our 3rd time mortgaging with ukmoneyman and, when our time to remortgage comes round, we'll use them again.
28 Mar 2025
Andrés González
Jason and the team were super helpful the whole time. From day one, we got great service, and we couldn’t be happier.
12 Mar 2025
Book a free initial appointment with our mortgage advisors in Liverpool to discuss your eligibility for the Mortgage Guarantee Scheme.
We’ll review your financial situation and answer any questions you have about the process.
We’ll compare thousands of mortgage deals from various lenders, including those participating in the scheme, to find the most suitable one for your needs.
This ensures you get the most suitable rates.
Once we’ve selected the right deal, we’ll handle and submit your application, managing the paperwork and keeping you updated every step of the way.
After approval, the funds are released, and you’re ready to move into your new home in Liverpool.
We’ll be here to support you right up to getting your keys.
We offer a free initial mortgage appointment to discuss your options under the Mortgage Guarantee Scheme in Liverpool.
Our mortgage advisors in Liverpool will provide personalised advice based on your financial situation, ensuring you have all the information you need to move forward.
With access to thousands of mortgage deals, including those participating in the Mortgage Guarantee Scheme, we work to find the most suitable rates tailored to your needs.
Our wide range of options means you’re more likely to secure a deal that suits your circumstances.
We take pride in offering a friendly, straightforward service, guiding you through every step of the mortgage process.
From initial enquiry to completion, we handle the paperwork and liaise with lenders to make your experience as smooth as possible.
Our team is available 7 days a week to answer your questions and support you through your mortgage journey.
We work around your schedule, ensuring you get the help you need when it’s most convenient for you.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2009–2026
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2009–2026
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