Mortgage Brokers in Merseyside

Total Result 49 - Page 1

Savills Private Finance

Savills Private Finance

7 Water St , Liverpool , Merseyside , L2 0RD 0151 229 1854

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Female Finance

Female Finance

3-11 Temple St , Liverpool , Merseyside , L2 5RH 0151 227 4729

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Riverside Financial Services

Riverside Financial Services

Apartment 4, Hudson Gardens, 136, Duke St , Liverpool , Merseyside , L1 5BB 0151 708 9525

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HSBC Bank plc

HSBC Bank plc

7 Oxford St , Liverpool , Merseyside , L7 7BJ 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Simply Loans & Mortgages

Simply Loans & Mortgages

52 Grange Road West , BIRKENHEAD , Merseyside , CH41 4DA 0151 647 6476

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Riversdale Mortgage Services Ltd

Riversdale Mortgage Services Ltd

72 Aigburth Rd , Liverpool , Merseyside , L17 7BN 0845 0584630

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Mortgage Room

Mortgage Room

51-53, Wallasey Rd , Wallasey , Merseyside , CH45 4NN 0845 2255767

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The O'Rourke Partnership Ltd,

The O'Rourke Partnership Ltd,

55 Bentham Drive , Liverpool , Merseyside , L16 1JE 0151 722 7774

Independent Financial Advisers & Mortgage Brokers Complete of Market Over 25 years of expertise within the trade We provide free preliminary consultations. We search the entire market ...

PayAsUGo Car Finance

PayAsUGo Car Finance

2-18 Breck Rd, Anfield , Liverpool , Merseyside , L4 2RA 0151 263 1324

Even in case you have been refused finance elsewhere, we may help - We perceive that issues don't at all times go in keeping with plan. We will provide reasonably priced automobile finance even in cas...

JCD Mortgage Solutions

JCD Mortgage Solutions

246 Stanley Road , BOOTLE , Merseyside , L20 3GG 07850 556423

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HSBC Bank plc

HSBC Bank plc

31 The Pyramids, Grange Rd , Birkenhead , Merseyside , CH41 2ZL 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

HSBC Bank plc

HSBC Bank plc

2 Liscard Way, Liscard , Wallasey , Merseyside , CH44 5TP 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Approved Mortgage Brokers

Approved Mortgage Brokers

1st Floor, 21, Hightor Rd, Woolton , Liverpool , Merseyside , L25 6DJ 0800 7836353

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HSBC Bank plc

HSBC Bank plc

197 Stanley Rd , Bootle , Merseyside , L20 3DX 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Business Assistance (NW) Ltd

Business Assistance (NW) Ltd

86-88, Wallasey Rd , Wallasey , Merseyside , CH44 2AE 0151 639 7554

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The Money Tree (GB) Ltd,

The Money Tree (GB) Ltd,

117 Linacre Rd , Liverpool , Merseyside , L21 8NS 0151 944 1555

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Safe Financial Services UK Ltd

Safe Financial Services UK Ltd

30 Bedford Place , Liverpool , Merseyside , L21 1AJ 0800 0025381

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HSBC Bank plc

HSBC Bank plc

23 Allerton Rd, Mossley Hill , Liverpool , Merseyside , L18 2DA 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Strikeforce Mortgage Services Ltd

Strikeforce Mortgage Services Ltd

27 Elm Avenue , Liverpool , Merseyside , L23 2SX 0151 932 1538

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The Business Advice Centre

The Business Advice Centre

42 Crosby Rd North , Liverpool , Merseyside , L22 4QQ 0151 920 0684

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If you are looking for mortgage brokers in Merseyside, then you are in the right place. We are an online directory of mortgage brokers in the United Kingdom brokers who will assist you with the complete process of credit and mortgage in Merseyside.

All the mortgage brokers in Merseyside available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in Merseyside solutions including mortgage in Merseyside advice, protection advice, and all other mortgage-related financial services. You can filter your search as per your occupation too. It does not matter if you are self-employed, employed or business owner, you can search for a broker with the needed expertise.

Getting a mortgage in Merseyside is one of the riskiest financial decisions of your life if not executed with prudence. It involves huge risks added with complex terms and conditions. Hence, it is important to get it done the right way. For a first time buyer, it is even more complicated.

The following guide will help you ascertain if you should get a mortgage in Merseyside advisor when to seek advice, where to get free mortgage in Merseyside advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in Merseyside?

Mortgage in Merseyside advice: Yes or no?

Risks of not getting mortgage in Merseyside advice.
Speak to your bank and people you know
When to approach a mortgage in Merseyside adviser
Browse through different websites
Factors to be considered before choosing a mortgage in Merseyside

How to choose the right mortgage in Merseyside?

The mortgage in Merseyside market is incredibly competitive and fluctuating at the same time. With so many different products and options available from various providers, it gets quite difficult to come to a decision while selecting the best option for you. If you are among first-time buyers, everything is sure to go over your head.

However, there is no need to panic. The best and first is to approach your bank as well as a few independent mortgage in Merseyside advisors, to see what they have to offer. These initial discussions will give an idea of what the market is currently offering, how it all works, and which are the options that could serve your best. They will also help you learn about the different mortgage in Merseyside and protection features.

Given below is a guide that will navigate you through all the steps to help you study your options carefully before making a final decision.

Mortgage in Merseyside advice: Yes or no?

It is always a good idea to get in touch with an advisor.

The Financial Conduct Authority of UK mandates every Lender (banks and financial institutions) and mortgage broker in Merseyside to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in Merseyside repayments you will be able to afford by analyzing your total income, debt consolidation, and day-to-day spending. They will do the required calculation and adjustment to determine the amount of mortgage in Merseyside credit that suits your needs and financial capabilities to be able to keep up repayments on time.

Is it mandatory to go with your broker’s advice?

It is not mandatory to choose what your lender or broker suggests to you. You can select your deal as per your independent research and study too. Taking advice will definitely help you gain clear insights into all the aspects of the terms and conditions of the credit. It will provide you with the requisite answers you are seeking to select the best mortgage in Merseyside for you.

When you choose your own mortgage in Merseyside without seeking any kind of financial advice it’s termed as an “execution-only” application.

Risks of not getting mortgage in Merseyside advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in Merseyside. So, gather your financial information before you talk to lenders or brokers. the list of details that need to be ascertained is given as under:

If you are employed, then have your P60 forms (last 2 years) and last three payslips ready with you.
For self-employed people, have your tax returns duly certified by an accountant or professional adviser
Source of income: Take into account your income from all sources including regular, irregular, investments, and speculative income.

Evidence of daily expenses
Evidence of debts
You future affordability: This checks how you would be able to afford if there is an increase in the interest rate in the future
If you avail of a mortgage on the advice of your mortgage broker in Merseyside, which turns out to be unsuitable for you later on, then you’ll have more rights when you make a complaint. You will enjoy the right to make a complaint of financial mis-selling if the advice you were given turned out to be unsuitable for you.

However, if you do not take any advice from your mortgage in Merseyside advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in Merseyside decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in Merseyside advice:

If you end up with the wrong mortgage, you won’t enjoy any right to make a complaint of mis-spelling. your mortgage in Merseyside will turn into bad credit and it will prove to be a financial disaster for you.
You might be rejected by your lender for selecting a mortgage in Merseyside, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in Merseyside advisors is the best choice especially for a first-time buyer if you want to avoid bad credit later on.

Speak to your bank and people you know

Speaking to your banks is always a good starting point because they know your financial situation inside out. They will always advise you with the best commercial mortgages to go for depending on your needs. They do not charge any fee for their advice as it is a part of their customer service.

You can also talk to their friend and colleagues to learn about their mortgages. They can brief you on the terms and conditions. You can see how their products stack up against the competition before making a final choice.

When to approach a mortgage in Merseyside adviser?

A mortgage broker in Merseyside or advisor is a specialist in mortgages in Merseyside and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in Merseyside products before suggesting the best option.

It’s a good idea to speak to a few of them to know about the offers prevailing in the market.

There are three main types of mortgage in Merseyside advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in Merseyside advice and deals from a specific lender only. they will not look at a wide range of options for you. They generally provide free mortgage in Merseyside advice.
Tied to a limited list of lenders: As compared to a specific one, they would offer you financial solutions from a set of few lenders.
Not specific to any lender: They would look at various products from the whole market and provide you with a wide range of options based on your individual needs.
Advantages of using an advisor:
They’ll advise you based on your financial capability to make repayments on your mortgage in Merseyside, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in Merseyside independently.
They will assist you with the paperwork, help you understand all the terms and conditions properly. Your applications get processed and approved faster.
They’ll help you take all the costs and features of the mortgage in Merseyside into account, beyond the interest rate.
They should only recommend a mortgage in Merseyside that is suitable for you and will tell you which ones you’re likely to get
You will enjoy protection in the future if the mortgage in Merseyside proves unsuitable to you.
Finding a mortgage in Merseyside advisor

Following are some of the top websites for finding details about mortgage in Merseyside advisors in Merseyside and other parts of the UK

Cherryfind.co.uk
bmadvisers.co.uk
landc.co.uk
Unbiased.co.uk
VouchedFor.co.uk
capitalfortune.com

Fees and charges

The fees and charges of a Mortgage in Merseyside advisor will depend on the type of financial solutions and services you avail of. It also depends on the type of product you choose and the value of the mortgage in Merseyside.

Some lender specific advisors may provide free advisory services because they receive a commission from their lenders on approved deals.

They will tell you the amount of fee they will charge and there won’t be in any hidden cost.

Once your broker makes a product recommendation they must give you a mortgage in Merseyside illustration document(s). This document outlines the terms and conditions of the mortgage in Merseyside along with the details of the loan. As it contains all the key facts on the mortgage in Merseyside, it is usually called a key facts illustration.

European Standard Information Sheet
The European Standard Information Sheet provides s standard format of pre-contractual information that needs to be provided by a lender while issuing a mortgage in Merseyside. The Mortgages Conduct of Business (MCOB) rules of FCA mandates every lender provide this document to their clients.

Factors to be considered before choosing a mortgage in Merseyside:

What most people look for while going for a mortgage in Merseyside is a low-interest rate. However, there are many other important factors that need to be considered before making a choice.

Some of the important factors are listed as under:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the amount of mortgage in Merseyside fees and interest rate as a percentage.
Deposit size: Generally lower interest rates are available with higher deposit amounts.
The standard rate: It is the rate your mortgage in Merseyside will switch to once the fixed-rate deal ends.
Duration of interest?: Whether interest will be charged daily, monthly, or annually? Daily interest generally works out cheaper.
Flexibility of repayments: Can you overpay your mortgage in Merseyside before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

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