Mike Gall Mortgage Services
Liverpool
Mortgage advice covering self-employed, first-time buyers, residential. Mike Gall Mortgage Services charges a broker fee.
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About Mike Gall Mortgage Services
Mike Gall Mortgage Services is a UK mortgage broker based in Liverpool. Its website describes mortgage advice for residential mortgages, first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Mike Gall Mortgage Services works across self-employed, first-time buyers and residential from Liverpool — a focused listing led by self-employed work.
Self-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 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.
Read the first-time buyers 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. Paired with self-employed lending, it should cover employed and variable-income applicants equally.
Read the residential guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit.
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 Mike Gall Mortgage Services
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3How 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?
- 4What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 5Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 6Do you see clients at your Liverpool office, or is this handled by phone and video?
Getting in touch with Mike Gall Mortgage Services
Mike Gall Mortgage Services lists a phone number, an email address and its own website, so use whichever suits.
- 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
Does Mike Gall Mortgage Services charge a fee for mortgage advice?
Yes. Mike Gall Mortgage Services is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete.
What types of mortgage does Mike Gall Mortgage Services handle?
Mike Gall Mortgage Services records self-employed, first-time buyers and residential, working from Liverpool. Ask anyway if your case sits outside that list.
Does Mike Gall Mortgage Services work with self-employed borrowers?
Yes — self-employed lending is one of the areas Mike Gall Mortgage Services lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does Mike Gall Mortgage Services only cover Liverpool?
Mike Gall Mortgage Services 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.