Specialist Mortgage Advice in Liverpool

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Declined by the Bank? We Might be Able to Help!

It might not always be as simple as you’d think to obtain a mortgage, with certain cases requiring a change of perspective and a new approach. As an open & honest Mortgage Broker in Liverpool with experience in all kinds of mortgage situations, there isn’t often a situation we haven’t come across at least once before, so it’s very likely that we’ll be able to help you.

Speak to a Specialist Mortgage Advisor in Liverpool

Here at Liverpoolmoneyman, we have access to a large panel of mortgage lenders, many of whom are able to offer more niche, specialist mortgage products that are catered to those who may be having difficulty in getting a mortgage, whether that be for not meeting the standard mortgage criteria, or another reason.


Having a Specialist Mortgage Advisor in Liverpool to work alongside you during your mortgage journey, especially if your circumstances are proving to be quite difficult, can truly benefit you as a homebuyer.


It’s our job as a dedicated mortgage broker in Liverpool to make sure that our customers leave our service with a smile on their face and a suitable mortgage deal for their home and circumstances. Our mortgage advisors in Liverpool work very hard to ensure this is achieved.

Complex Mortgage Situation in Liverpool?

We often receive calls from customers in need, where perhaps the bank has rejected them at the last minute, for some reason. From time to time, this will happen when they’re already part way through their mortgage process. Generally speaking, you won’t be given a reason for why you’ve been dropped.


In almost all of these cases, the mortgage advisors who work for the bank should have been able to prevent this from occurring, by correctly reviewing your case and making sure the mortgage product was right for you in the first place.


Thanks to these oversights that occur at the hands of the bank and their mortgage advisors, the customers who get in touch can often be left out of pocket, under a lot of stress, and understandably frustrated. Without having complete confidence in your ability to meet lender criteria before an application, your chances of obtaining a mortgage could be harmed altogether!


It’s important to get it right first time, something we pride ourselves on being able to do.


There is no need to worry, as we have a lot of experience in helping customers with challenging mortgage situations. If you happen to be experiencing something quite difficult, book a free mortgage appointment with one of our trusted mortgage advisors in Liverpool and we’ll see how we can help.


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An In-Depth Look at Specialist Mortgage Scenarios

If you happen to be a mortgage applicant going through a particularly difficult process and are unable find a lender that is willing to accept your case, we will be on hand to provide you with expert Mortgage Advice in Liverpool, at times that are appropriate for you and your schedule.


As an open & honest Mortgage Broker in Liverpool that is well versed in working with mortgages, we have spoken to a wide variety of customers over the years, all who are dealing with different mortgage circumstances to one another. Below are some of the situations that we have come across;

Property Down Valuation

If somebody has come out to undertake a property survey on your potential new home, only to find out that the offer you made (and had accepted) is actually more than the value of the property, this is a Property Down Valuation.


It is not impossible to arrange a mortgage around this, however, it is a little more complex and it is likely that the lender will just withdraw their offer. If you are able to make up the difference between the offer you have made and the actual value of the property, you may have better chances of being successful.

Divorce & Separation Mortgage Advice

If your relationship falls apart and you divorce or separate, making any alterations to joint finances, such as your mortgage, can be a complex task. Ideally, you need to get on top of this as soon as possible, as leaving it longer will make it more difficult than it already could be.

Remove a Person From a Mortgage

Following on from the mortgage scenario discussed in the previous point, if you are divorced or separated, it is likely that you will either want your name off your ex’s mortgage, or their name off yours.


Depending on your ability to afford a mortgage alone and financial stability, either option will be limited going forward. The reason this is the case, is because a lender will much prefer having two incomes together than one, and removing a name reduces some of their security against potential risk.

Single Name Mortgages for Married Applicants

If you’re married and are looking to take out a mortgage on a property that you and your partner will be able to live in, you will find that mortgage lenders would much prefer that you both are present on the application. That being said, if you would like this to remain in a sole name, it is still possible to obtain a mortgage.

Shared Ownership

The Shared Ownership Scheme is a great tool that allows mortgage applicants to have their mortgage taken out as a share, at a percentage of the property, rather than the full amount. Typically, this is between 25%-75%, though this can be different on a case-by-case basis.


The owner of your remaining share, most likely a local authority, will be paid a monthly rental fee for their share, alongside your mortgage payments to the lender. You may have the option to buy more shares as you go, if you happen to gain a higher income.

Professional Mortgages

Professional mortgages are only available to very specific professions across the nation. It is a rather specific area of the mortgage market, so it is highly recommended that any applicants looking to make use of this mortgage type get in touch with a specialist in the field, to discuss it further.

Second Home Mortgages

If you are looking to take out a mortgage on a further property, you will need to prove to the mortgage lender that you are financially capable of covering the costs of both mortgage payments alongside each other. Our team of mortgage advisors in Liverpool will be able to help you prepare for this.

Holiday Home/Let Mortgages

Holiday lets function similarly to buy to lets, though the difference is that buy to lets will generally give a landlord a longer term tenant, whereas holiday lets tend to only involve shorter tenancy agreements.


This means that you may be unable to rent out a property at all during some off-seasons if nobody is willing to take on a tenancy. Because of circumstances like this, lenders will need to have complete confidence that the applicant is able to maintain their mortgage payments, whether there is a tenant in place or not.

New Build Mortgages

New builds are often more costly to purchase than those that are of a particular vintage. If you’re finding it challenging to save up the initial deposit for the property, it may be beneficial for you to use the Help to Buy Equity Loan Scheme as a means of getting onto the property ladder.

Multiple Applicant/House of Multiple Occupation Mortgages

HMO mortgages are another variant of buy to lets that typically will have between 4-6 tenants, similar to what you would see with student housing. HMOs are typically quite challenging investments to deal with. We would recommend getting specialist buy to let mortgage advice in Liverpool before you get started with a HMO.

Mortgages Past Retirement Date/Lifetime Mortgages

As a homeowner over the age of 55, you may have an option for releasing the equity that has built up within your property over time, via a lifetime mortgage. It is definitely recommend that you speak to a specialist in the field for further advice regarding this specialist topic.

Do you require a specialist mortgage advisor in Liverpool?

As a reputable mortgage broker in Liverpool, we have a wide variety of specialist mortgage lenders available on panel. Each of these have specific lending criteria, that allow us to match up our customers against their property owning goals.


Our open & honest team of mortgage advisors in Liverpool are able to use the expertise that they have gathered over our many years of helping customers achieve mortgage success, in order to recommend the best mortgage deals for our customers situations.


If you are concerned about the current state of your credit score, we would definitely recommend getting an up-to-date copy of your credit score.


This will be very useful ahead of your free initial mortgage appointment, as your credit report will allow us to gain a deeper insight into your circumstances and better tailor our recommendation to your needs.

Open & Honest Mortgage Advice in Liverpool

We work hard for our customers, always putting them first and ensuring they’re in the best place they can be. No matter what, we have your best interests at heart, you are our responsibility.


Our fast & friendly mortgage advice team will always do their best to keep our customers informed, up-to-date, safe and secure throughout their process. It’s our hope that  with our mortgage advice service will leave you with a favourable outcome and a suitable deal for your needs.


As providers of clear & simple Mortgage Advice in Liverpool, we will support our customers through every step of their mortgage journey. Book yourself in for a free mortgage consultation with a dedicated mortgage advisor in Liverpool and we’ll see how we are able to help you with your specialist case.

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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.

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.

The minimum deposit when buying a house in Liverpool with high street lenders is typically 5%. You will rarely find lenders that will accept a minimum of less than 5%. This minimum can be higher if you have had bad credit in the past.

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

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

Step 2

Enjoy finding a property in Liverpool!

Step 3

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

Step 4

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.

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.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

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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