Quay Mortgage Services
Liverpool
Mortgage advice covering bad / adverse credit, commercial, help to buy and 3 more. Quay Mortgage Services has not recorded a fee structure.
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About Quay Mortgage Services
Quay Mortgage Services is a UK mortgage broker based in Liverpool. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Quay Mortgage Services records 6 areas of advice from its base in Liverpool: bad / adverse credit, commercial, help to buy, buy-to-let, first-time buyers and residential.
Pairing first-time-buyer work with adverse credit is worth noting: a thin or damaged credit file is the single most common reason a first purchase falls over, and it needs a lender chosen for that rather than for its rate.
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 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. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
Read the residential 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. 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 Quay Mortgage Services
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 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?
- 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 Liverpool office, or is this handled by phone and video?
Getting in touch with Quay Mortgage Services
Quay 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
What does Quay Mortgage Services charge for mortgage advice?
Not recorded on this listing — ask Quay Mortgage Services directly, as it must tell you before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Quay Mortgage Services handle?
Quay Mortgage Services records bad / adverse credit, commercial, help to buy, buy-to-let, first-time buyers and residential, working from Liverpool. Ask anyway if your case sits outside that list.
Can Quay Mortgage Services help if I have bad credit?
Quay Mortgage Services 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 Quay Mortgage Services only cover Liverpool?
Quay 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.