Mortgage Broker Liverpool

Has the mortgage market got your head in a twist? Get a FREE mortgage consultation with our 100% impartial Mortgage Advisor, with access to the whole of the mortgage market to get you the best mortgage rates. Remote meetings available within 3 working days**

 
 
 
Mortgage Loan and House Keys - SAM Conveyancing's Mortgage Broker Consultations

Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.

Read SAM Conveyancing's trustpilot reviews

Find a Home Mortgage icon for whole of the market
Access to the Whole Market
Best Mortgage Advisors icon offering a free mortgage consultation
FREE* consultations
for Liverpool
Access Mortgage Providers Quickly icon
Convenient
Remote Appointments
Independent Mortgage Broker icon for professional advice
Impartial Mortgage Advice
Mortgage Broker Liverpool Financial Times Top 100 Financial Advisers 2022
FT Top 100 Mortgage
Advisors 2022

Why choose Mortgage Brokers with SAM Conveyancing?

Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.

We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.


Advies Top 100 Financial Advisers
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.

Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.

Bank of England Base Rate
 
4.75%
 

Changed from 5% on the 7th November 2024.

Average Fixed Rate

5.37%
 
Based on a 2 year fixed deal with 90% LTV.
How to get a mortgage in Liverpool

Property prices in Liverpool vary significantly. The average house price in Woolton for leasehold flats is £132,340, but in Formby it is £177,160.

Location
10% Deposit
What would your salary need to be?
(estimated based on 4.5 times salary)
Woolton
£13,234
£26,468 or £13,234 per salary with a joint purchase
Formby
£17,716
£35,432 or £17,716 per salary with a joint purchase

The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.

Mortgage Calculator

Our Mortgage Broker Guide to getting a mortgage in Liverpool

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • 1Approval/Decision in Principal (AIP/DIP)
  • 2Mortgage in Principal (MIP)
  • 3Mortgage Valuation
  • 4Mortgage Offer

Mortgage Broker London Tip 1
#1 Top Tip

Check addresses on old accounts

Old mobile phone contracts can be linked to old addresses and if they are listed as open, this can disrupt applications due to ID checks listing different addresses for you.

You can find this information out by checking your file. It's worth doing so because the impact of wrong addresses might derail an application for a mortgage, for example.

Top Mortgage Lenders
#2 Top Tip

Fixed rate mortgage

With a fixed rate mortgage, the interest rate remains the same during the period of the fix, which could be 2, 3, 5 or even 10 years, after which it reverts to the lender's standard variable rate, which can move up and down.

Although you might be paying a higher rate initially with a fixed rate, it is predictable in terms of the required repayment and you are cushioned against the lender's costs of borrowing increasing (such as because, for example, the Bank of England has raised its base interest rate). You are locked in, however, and you cannot leave early without having to pay a large repayment charge. Once the fixed period has finished, you are free to organise a further fixed term (and fixed interest rate) with your lender or to change lenders and take up another mortgage entirely, which might, for example, be another fixed term mortgage.

Get your buildings insurance sorted in time for exchange of contracts!

According to the law, you are responsible for buildings insurance as a buyer of a property from the point of exchange. You should therefore have this in place to give you security against any disaster which might affect the fabric of your new property.

You should, therefore, plan for this in advance and organise your buildings insurance.


Frequently Asked Questions: Mortgage Brokers Liverpool


The role of a mortgage broker is to take your information and compare multiple deals from different lenders, based on your specific details, to find you the best option.

The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Liverpool mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Unless you have already found a mortgage product and aren't really interested in finding a better deal, it is always worth using a mortgage broker, and when your initial consultation is free with SAM Conveyancing, what have you got to lose?
Some homeowners want the convenience of borrowing with the same lender that they currently bank with. Even then, it is often worth going through a broker anyway, as they may be able to get you an exclusive offer from that very same bank that you won't have access to.
Most mortgage brokers make their money in a flat fee or a commission, which is paid to them by the lender. Some brokers charge a fee to the borrower which is normally payable as a flat fee, or it can be financed with the mortgage.
You'll need a mortgage approval in principle in order to budget, so you should get a mortgage broker before you start looking for houses and certainly before you make an offer on one. In fact, some people speak to a mortgage broker as soon as they decide to get serious about buying a home.
There's no need to meet a mortgage broker face to face. Our hand-selected mortgage experts offer convenient remote meetings by phone, for award-winning, national coverage.
A mortgage broker will be quicker purely based on their greater experience. They will be able to check your application to make sure it's not rejected for commonplace mistakes and they can steer you away from wasting your time applying for mortgage products or to lenders who are likely to turn you down.
*SAM Conveyancing has negotiated a FREE Mortgage Consultation with our panel mortgage broker. This allows you a free mortgage consultation to discuss your specific requirements and provide mortgage opportunities for the Service being requested. If you want to proceed with a formal mortgage application through your mortgage broker, then a mortgage application fee maybe payable. If there is a fee to pay for your mortgage application, it will be explained to you at the point of discussing your mortgage options.

You can disengage the services of your Mortgage Broker before making a formal application, and no fee will be levied.

Read our - Terms and Conditions.

SAM Conveyancing is an approved partner of Advies Private Client, and this page is an advertisement for them. SAM Conveyancing does not provide or arrange mortgage advice, but we may receive a commission for any product you take with Advies Private Client after we introduce you to them.

The FCA does not regulate SAM Conveyancing and does not provide any insurance or mortgage products, nor can we provide any advice on different insurance or mortgage products. Please liaise with your chosen Advies Private Client for any insurance advice.
**Subject to availability. If we are fully booked ask and we will see if we can fit you in sooner.
 

Mortgage Broker Liverpool - Recently Completed

  • London road, Liverpool, L3 8JN
  • 19 Wellfield Road, Liverpool, L9 0AT
  • 68 Vandyke St, Liverpool, L8 0RS
  • 44 Langton Road, Liverpool, L15 2HT
  • 175 Dunbabin Rd, Liverpool L16 7QQ

Getting a Mortgage and How to Fund Buying a Home

Watch our video to find out how to organise your mortgage and funding for your purchase.

Use our online mortgage payment/repayment calculator (UK).

 
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