Liverpool Mortgages LTD
Liverpool
Mortgage advice covering bad / adverse credit, self-employed, shared ownership and 8 more. Liverpool Mortgages LTD has not recorded a fee structure.
About Liverpool Mortgages LTD
Liverpool-Mortgages.co.uk specialises in providing tailored mortgage and insurance solutions to meet the unique needs of its clients. The team guides first-time buyers, remortgagers and buy-to-let investors through the entire process, and also offers a wide range of insurance services to help protect homes, investments and families. Mortgage services include first-time buyer mortgages, remortgages, buy-to-let mortgages, Help to Buy mortgages, fixed-rate mortgages, variable rate mortgages, interest-only mortgages, tracker mortgages, shared ownership mortgages, and self-employed mortgages. Their advice covers buyers stepping onto the property ladder, homeowners looking for a better deal or to release equity, landlords and property investors, clients using government-backed schemes, and applicants with more specialist circumstances such as self-employment. Liverpool-Mortgages.co.uk also provides home insurance, landlord insurance, life insurance, critical illness cover, income protection, accident, sickness and unemployment insurance, and buildings and contents insurance. Their mission is to make finding the right mortgage and insurance straightforward and stress-free.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Liverpool Mortgages LTD records 11 of the 13 areas this directory tracks, working out of Liverpool: bad / adverse credit, self-employed, shared ownership, help to buy, buy-to-let, first-time buyers, interest-only, residential, tracker, variable rate and fixed rate. That is a broad listing.
Covering both adverse credit and self-employed lending is the harder end of the market — those two together are exactly the cases high-street lenders turn away, and they need a broker who knows the specialist panel.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideSelf-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideShared Ownership
Shared ownership sits under two sets of rules at once: the housing association's, and the lender's. Not every lender takes it, and staircasing later has its own costs and valuation requirements.
Read the shared ownership guideHelp to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. With self-employed lending also covered, business-owner landlords should find both halves of the case understood.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. With shared ownership also on the list, part-buy routes should be on the table as well as a full purchase.
Read the first-time buyers guideInterest-Only
On interest-only lending your payment covers the interest and nothing else, so lenders want a credible plan for repaying the capital — an investment, a second property, or a sale — and they will test it.
Read the interest-only guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
Read the residential guideTracker
Trackers follow the Bank of England base rate by a fixed margin, so your payment moves with it in both directions. Many come without early repayment charges, which suits people expecting to move or remortgage soon.
Read the tracker guideVariable Rate
Variable-rate products let the lender change your payment at their discretion rather than in step with the base rate, which makes the terms of the specific product more important than the rate on offer today.
Read the variable rate guideFixed Rate
Fixed-rate advice is about matching the length of the deal to your plans: a payment that cannot move, in exchange for early repayment charges if you leave before the end.
Read the fixed rate guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Liverpool Mortgages LTD
Tailored to this listing.
- 1You list a wide range of areas — which of them do you place regularly, and would I be dealing with a specialist in mine?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 5Which lenders work with my housing association's lease, and what will it cost me to staircase later?
- 6What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 7Will I deal with one named adviser the whole way through, or does the case get passed between people?
Getting in touch with Liverpool Mortgages LTD
Liverpool Mortgages LTD lists a phone number, an email address and its own website, so use whichever suits.
Emma is listed as an additional contact, which is useful if your first call does not reach anyone.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Liverpool Mortgages LTD charge for mortgage advice?
Not recorded on this listing — ask Liverpool Mortgages LTD directly, as it must tell you before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does Liverpool Mortgages LTD handle?
Liverpool Mortgages LTD records bad / adverse credit, self-employed, shared ownership, help to buy, buy-to-let, first-time buyers, interest-only, residential, tracker, variable rate and fixed rate, working from Liverpool. Ask anyway if your case sits outside that list.
Can Liverpool Mortgages LTD help if I have bad credit?
Liverpool Mortgages LTD lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does Liverpool Mortgages LTD only cover Liverpool?
Liverpool Mortgages LTD is listed in Liverpool, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Liverpool on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.