MJW Mortgage Advice LTD
Blackpool
Mortgage advice covering later life / equity release, commercial, help to buy and 3 more. MJW Mortgage Advice LTD is listed as fee-free.
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About MJW Mortgage Advice LTD
MJW Mortgage Advice LTD is a UK mortgage broker based in Blackpool. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, later life lending. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
MJW Mortgage Advice LTD records 6 areas of advice from its base in Blackpool: later life / equity release, commercial, help to buy, buy-to-let, first-time buyers and residential.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
Later Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Help 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. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
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. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
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. Sitting next to later-life lending, it means the same firm can weigh a standard remortgage against a retirement product.
Read the residential guideFees: what this means for you
Fee-free to you
Fee-free means the lender pays this firm a procuration fee on completion, so the advice costs you nothing directly. You still pay any lender product fee, valuation and legal costs. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
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 MJW Mortgage Advice LTD
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2You are listed as fee-free — does that hold for a case like mine, and what will the lender be paying you?
- 3What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 4What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 5What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 6How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 7Do you see clients at your Blackpool office, or is this handled by phone and video?
Getting in touch with MJW Mortgage Advice LTD
MJW Mortgage Advice LTD 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
What does MJW Mortgage Advice LTD charge for mortgage advice?
MJW Mortgage Advice LTD is listed on MortgageMatch as fee-free, meaning the broker is paid commission by the lender rather than charging you for advice. You would still pay any lender product fee, valuation and legal costs. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does MJW Mortgage Advice LTD handle?
MJW Mortgage Advice LTD records later life / equity release, commercial, help to buy, buy-to-let, first-time buyers and residential, working from Blackpool. Ask anyway if your case sits outside that list.
Does MJW Mortgage Advice LTD advise on equity release and later-life lending?
MJW Mortgage Advice LTD lists later life and equity release among its areas. This is separately regulated advice and an adviser needs a specific qualification to give it, so ask which one they hold. Ask too about the alternatives — a retirement interest-only mortgage or downsizing may cost your estate far less than a lifetime mortgage.
Does MJW Mortgage Advice LTD only cover Blackpool?
MJW Mortgage Advice LTD is listed in Blackpool, 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 Blackpool 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.