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Specialist Mortgage Advice in Liverpool

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Specialist Mortgage Advice in Liverpool

Navigate a complex mortgage scenario with ease. Specialist mortgage advice in Liverpool tailored for your individual financial situation.

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We look at solutions for specialist mortgages in Liverpool for complex situations.

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.

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Specialist Mortgage Advice in Liverpool

Our service may benefit you when looking for specialist mortgage advice 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 advisor in Liverpool and we’ll see how we can help.

Can I remove a CCJ from my credit file in Liverpool?

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.

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FAQs for Specialist Mortgage Situations in Liverpool

What is bad credit for a mortgage in Liverpool?

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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.

Do you require a specialist mortgage advisor in Liverpool?

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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.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

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.

We Can Search 1000s of Mortgage Deals

Step 2

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.

Submit Your Mortgage Application

Step 3

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.

Protecting You and Your Mortgage

Step 4

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.

Reasons to Choose us

Free Mortgage Appointment

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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.

1000s of Deals

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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.

Our Service

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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.

7 Days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in Liverpool

We Search 1000s of Specialist Mortgage Deals in Liverpool

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Specialist Mortgage Scenarios in Liverpool

An In-Depth Look at Specialist Mortgage Scenarios

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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.

Mortgage Guides

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

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