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.
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.
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 advisor in Liverpool and we’ll see how we can help.
When dealing with a County Court Judgment (CCJ), prompt settlement is paramount. Clearing the outstanding balance within 30 days enables the removal of the CCJ from your credit report. However, failure to meet this deadline results in the CCJ lingering on your credit file for six years. Seize control of your creditworthiness with proactive financial management in Liverpool.
Take charge of your financial future in Liverpool through effective credit score management. Timely payments are crucial to maintaining a strong credit rating and avoiding a negative credit history. The impact of late payments varies based on their frequency and nature.
Our dedicated mortgage advisors in Liverpool possess exclusive access to a diverse array of deals. Each lender adheres to distinct mortgage lending criteria, and our advisors adeptly navigate these options to identify the most fitting deal for you.
Rely on our knowledgeable team of mortgage advisors in Liverpool to offer tailored recommendations based on your unique financial circumstances. We understand the significance of securing the perfect mortgage deal that suits your requirements.
If concerns regarding your credit score loom large, obtaining an updated copy of your credit report is essential. During your complimentary initial mortgage consultation, we can leverage this information to gain deeper insights into your situation. Together, we can explore how to assist you in your mortgage aspirations.
Our Customers Love Us
4.98 Rating228 Reviews
really helpful team
4 days ago
First Time Buyers - We had Charlie helping us through the process, He made us feel at ease from the very first conversation. He basically held our hand all the way through until we got offered a mortgage! Couldn’t recommend Charlie & This Mortgage...
1 week ago
Matt, Stacey and the team have been excellent with all their assistance and advice in getting our mortgage sorted. I could not recommend them enough. A 5-star service.
3 weeks ago
Approaching Moneyman was the best thing we did! We had a poor experience with our first advisor as she clearly didn't understand the nature of self-employed income. Following this, we looked for an advisor specifically with knowledge of assisting...
3 weeks ago
We would definitely recommend UKMoneyMan. As first time buyers, Malcolm and Charlie took the time to clearly explain the whole process to us, answer any questions we had, and to help us find the best rate to suit our financial needs!
3 weeks ago
Very good service very helpful
2 months ago
Dan and the team were expert and efficient, providing sound advice in difficult circumstances - our property falling outside the norm that mortgage providers usually encounter.
3 months ago
Dealt with Liverpool Money Man for initial mortgage, and re-mortgage. Fantastic service, everything explained thoroughly. Thanks.
3 months ago
Charlie has been fantastic, we got in contact with him as we started house searching over a year ago and he was always available and willing to answer any of our questions no matter how stupid they were!
3 months ago
Great service received from Tom. He made the first time buyer process run as smooth as possible and explained every step. Would recommend and will use again when I come to renew my mortgage.
3 months ago
Cannot recommend these guys enough - in particular Charlie and Paula. As first-time buyers, it felt like obtaining a mortgage would be stressful and overwhelming, but Charlie and his team went above and beyond to make sure we understood everything...
4 months ago
Both Jason and Meghan have been fantastic. They sorted my mortgage application with a high Street lender with no problem. They also arranged some competitive quotes for my life and home insurances. This had the added bonus of reducing there fees as...
4 months ago
Chris Thompson was an absolute gent and pleasure to deal with. He made the whole process of buying a home calm, reassuring and with a personal touch that made it feel as though he was equally as happy for me as I was myself. Along with Lyndsey,...
5 months ago
Lyndsey worked incredibly hard to make our new home possible, without this support and in-depth knowledge of the mortgage market we wouldn’t be completing our home purchase on Friday. Thanks for everything you have done over the last 3 months....
5 months ago
Highly Recommend! Such a good service Jason and Jo made the whole process stress free from start to end.
7 months ago
Great to work with, fast and reliable and very good communication
7 months ago
Brilliant service they get back to you when they say they will. So Patient and helpful.Special thanks to Jo
7 months ago
10/10 above and beyond from Dan and Louise couldn’t recommend these guys enough top class service
7 months ago
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...
7 months ago
Great help in the process in securing my offer and would recommend to a friend Helpful with communication
7 months ago
Discuss the challenges you are currently faced with and what you are looking to achieve with a trusted mortgage advisor in Liverpool.
During your free mortgage appointment with a mortgage advisor in Liverpool, you will need to provide information about your income and expenses to determine your affordability.
Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you.
Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.
Once you accept a purchase offer, your mortgage advisor in Liverpool will proceed to submit your full mortgage application and relevant evidence documents.
Throughout the process, your dedicated case manager will keep you informed until you receive your mortgage offer and complete your purchase.
Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.
We will contact you again when your mortgage is due for renewal to ensure that you are still on the most favorable deals.
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.
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.
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;
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.
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.
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.
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.
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 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.
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 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 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.
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.
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.