Mortgage Assistant Liverpool

We are Trustworthy, Reliable, Honest, Upfront

Has the range of mortgage products and deals currently on the market got you bamboozled and your head in a spin? 

Let Mortgage Assistant help! 

Your professional FCA-approved, independent mortgage advisor in Liverpool has been found and matched to meet your specifications and requirements perfectly. 

It’s how our service works. 

  • Let us know what you’re looking for. 
  • We’ll use this information to find a Liverpool mortgage broker best suited to your situation. 
  • Matching you with the right advisor, we’ll arrange a call between both parties (free of charge), so you can choose if you would like to move forward. 

Get started on your property buying process today by using our Find an Advisor tool. 

Making your life easier

Whether you’re looking to get your foot firmly on the property ladder, you’re looking to add to your property portfolio, or you want to re-mortgage and switch to a better deal, our panel of trustworthy, experienced, and reliable mortgage brokers Liverpool were on hand to help.

Finding the most exclusive deals on the market, your mortgage broker is not tied to a specific lender but instead has access to the entire mortgage market.

Using their local knowledge of Liverpool, their interest in the housing market, and their experience of working with various lenders, your mortgage broker will provide you with confidence, clarity, and the best solution bespoke to your situation.

The good news is our free broker matching service matches you with independent mortgage advisors who are regulated and their services monitored by the Financial Conduct Authority, providing you with the best deals out there.

Benefits of working with us

Benefits of working
with us.

  • We make a complicated process less, well, complicated.
  • We can provide you with confidence when building your buy-to-let portfolio.
  • Your mortgage advisor will provide you with all the information you need to make the best and most informed decision.

For a mortgage broker in Liverpool that can take the stress out of finding the best deal, use our Find an Advisor tool today.

What are you looking for?

When you start to dig deeper into all mortgage products and deals available from a range of lenders, it’s vital to compare these deals against each other, matching them to your requirements and financial circumstances perfectly.

However, the deals you’re presented with will be affected by certain criteria, such as:

How many years do you want to be paying your mortgage for? For example, the average lifespan of a mortgage is 25 years; however, you can reduce this by increasing your monthly repayments or extend the term and decrease your payments – working with a professional mortgage broker, the choice is yours.

Is a fixed rate or variable mortgage better suited to you? I.e., Opting for a fixed term, you know exactly how much you will be paying every month, which can provide you with security and peace of mind. Variable rates could be a great choice if it is forecast for interest rates to remain low, keeping your monthly payments low but varied.

Length of term – depending on the deal and again, your circumstances will depend on the length of the mortgage term you take out. Most deals cover 2 or 5 years; however, today, more and more products are coming to the market. (Note: Wherever possible, avoid the lender’s standard variable rate (SVR) as this will often be set at a much higher repayment than other deals available.

Would you like further information and clarification on the mortgage process?

Get started with Mortgage Assistant Find an Advisor Tool today.

Independent mortgage advisor Liverpool

What can an independent mortgage advisor offer you?

  • Some of the best deals on Liverpool mortgages.
  • The right deal, tailored to your situation and finances.
  • Transparency in fees and all costs associated with signing a mortgage deal.
  • A robust check that your current mortgage deal will not tie you into a lender’s SVR at the end of the term.

For Liverpool mortgages provided by independent, FCA-approved mortgage brokers

Getting Started

Your mortgage broker will take care of finding all the best mortgage deals, sifting through the paperwork, carrying out comparatives, and more.

However, to help secure the best deal for you, your mortgage advisor will need:

  • Your last three payslips.
  • Proof of deposit.
  • Proof of disposable income.
  • Credit history reports.
  • Proof of any change in circumstances.

Find an advisor so you can check with confidence the amount you would like to borrow against your financial circumstances, i.e., are you borrowing within your financial means.

Providing your mortgage advisor with as much information and detail as possible will help with your overall mortgage application, shining a positive light on you as a borrower.

It’s not all about the deposit

Affordability is one of the main criteria when applying and securing a mortgage. However, there are other costs you should be aware of too, costs such as:

Conveyancing – these are the legal fees associated with purchasing property. These payments will vary depending on your solicitor. However, your mortgage advisor may also be able to provide these services and provide you with savings, savings that won’t affect your deposit.

Stamp Duty – tax applied by HMRC for the land in which your property sits.

Insurances – there is often a requirement that homeowners have in place both life insurances and building and contents insurance. Your dedicated broker will be able to provide further clarification on these areas as well as competitive quotes and cover as part of their suitability assessment.

Survey costs – a survey is carried out on your potential property to provide you with a rundown of anything untoward you should be aware of before signing on the dotted buying line. The type of survey you opt for will depend on the property you are buying and your own preferences.

For a mortgage broker in Liverpool to guide you through the whole process, get started with Mortgage Assistant today.

Home buying process

The process of buying your home from start to finish can take anywhere between three and six months.

The process will vary for individuals and varying circumstances; however, the process itself will follow the steps below:

  • Preparation – obtaining a Decision in Principle for your mortgage application.
  • Finding a new home!
  • Conveyancing.
  • Exchange of contracts.
  • Completion dates agreed.
  • Post completion (tying up any loose ends).

To keep your house buying process running smoothly, make sure you have a mortgage broker suited to you.

Taking care of the detail (and the paperwork) so you can enjoy your new home.

Find an Advisor in Liverpool today with Mortgage Assistant.

Want to find an advisor?