Welcome to the online home of Liverpoolmoneyman, a fast & friendly Mortgage Broker in Liverpool & Surrounding Areas. We have experienced Mortgage Advisors in Liverpool who are ready and waiting to help you with your purchase all the way through to remortgage and beyond.
Our Mortgage Advisor in Liverpool team offers expert Mortgage Advice in Liverpool to customers with a wide variety of mortgage types, ranging from First-Time Buyer Mortgage Advice in Liverpool to Home Mover Mortgage Advice in Liverpool, to Buy to Let Mortgage Advice in Liverpool, to Remortgage Advice in Liverpool. Whatever the case, we’ll work hard to ensure you get the most appropriate mortgage deal tailored to your individual needs.
As a company, we work with a wide array of unique mortgage lenders that offer many mortgage products. Our Mortgage Advisor in Liverpool team will chat with you and get to know you a little better, before utilising the information they’ve gathered to recommend the perfect mortgage for your circumstances.
We’re incredibly proud of the service we provide, something which is reflected in great detail amongst our genuine customer reviews. Providing Mortgage Advice in Liverpool is a passion of ours, and seeing those reviews make it all worthwhile. We aim to extend that same service to everyone who enquires within.
Being a smaller and friendly Mortgage Broker in Liverpool, we’re able to add a personal touch to the service we provide for our Merseyside customers.
A Mortgage Advisor in Liverpool will be here to put your mind at ease, answering any questions you may have.
As an Open & Honest Mortgage Broker in Liverpool, you will be assigned a Mortgage Advisor in Liverpool who will work alongside you from your initial purchase, all the way through to your remortgage. We’re incredibly adaptable and flexible, working around you and your daily life.
We work from early until late to assist with your mortgage enquiries, ensuring you speak to someone as soon as possible. Are you only free to speak after work? No problem! We can put you through to a Mortgage Advisor in Liverpool for a chat at whatever time is convenient for you.
Usually, the banks’ Mortgage Advisor in Liverpool can offer their own product, though the good news is that there are other deals out there to choose from.
As a Mortgage Broker in Liverpool, our job is to search and compare multiple products from different lenders to find you the best product tailored to your circumstances.
Customers may have already spoken to an advisor at a bank, estate agent or building society. They aren’t always able to help them due to various reasons for example (credit score, maximum borrowing etc), but the good news is, we often are able to!
As an experienced Mortgage Broker in Liverpool, we have worked with all sorts of mortgage cases, using our in-depth knowledge we will search through thousands of products for you and find you the perfect one for your personal and financial situation.
Some of the lenders we work with have specialist products with varying criteria, meaning more often than not, there’ll be an appropriate deal on offer.
A second opinion costs nothing, so don’t hesitate to give us a call. With an experienced team led by mortgaging expert Malcolm Davidson, we offer Open & Honest Mortgage Advice in Liverpool 7-days a week from early until late, able to assist with almost all mortgage questions.
Your free mortgage consultation with Liverpoolmoneyman will last around an hour. 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!
As your mortgage broker in Liverpool, we will need to carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is always required for you to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
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 an hour. 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.