Is there a fee free mortgage broker in Liverpool?

Yes. Alexander Southwell Mortgage Services provides whole of market mortgage advice to customers across Liverpool and Merseyside, and our advice is fee free for standard residential and buy to let mortgages. The lender pays us when your mortgage completes, so you save the several hundred pounds many brokers charge as a typical fee.

How much deposit do I need in Liverpool?

Most lenders ask for a minimum 5% deposit. With first time buyers in Liverpool paying around £171,000 on average, that is roughly £8,500, and a 10% deposit opens up more mortgage products and better rates. A gifted deposit or a family assisted mortgage can also help.

Can I get a mortgage if I am self employed?

Yes. Plenty of lenders offer self employed mortgages provided you can supply two years of accounts or SA302 tax returns, and some accept one year of trading. Limited company directors can often use salary plus dividends or retained profit.

Do I need an Agreement in Principle?

An Agreement in Principle is written confirmation from a lender of how much they are prepared to lend, based on a soft credit check. Estate agents across Liverpool will usually ask to see one before they put your offer forward. We can arrange yours within 24 hours.

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Fee Free Mortgage Brokers and Advisors in Liverpool

Getting a mortgage can feel overwhelming when you are juggling viewings, solicitors and other buyers. A local mortgage broker with whole of market access saves you approaching banks one by one and helps you find the best mortgage deal for your situation. Liverpool still offers some of the best value property of any major UK city, which makes it a brilliant place to buy your first home, move up the property ladder or buy a buy to let property.

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Liverpool waterfront and Royal Liver Building, where our mortgage adviser in Liverpool helps buyers

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Southwell MORTGAGE

Why choose us?

Alexander Southwell Mortgage Services Ltd is directly authorised and regulated by the Financial Conduct Authority, not an appointed representative of a network, so the mortgage advice you get is ours. We provide a full range of mortgage products from high street banks, building societies and specialist lenders, including first and second charge mortgages, though not deals that are only available direct. We also take care of the administration for your mortgage and insurance applications, liaising with estate agents, lenders and solicitors so the process runs smoothly and you are kept informed at every step.

Team of expert mortgage brokers and advisers.

Excellent communication via WhatsApp, Skype, phone, email and SMS.

100% FEE FREE mortgage service.

Mortgage application paperwork prepared by our fee free advisers

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Fee free mortgage advice: no broker fee on standard residential and buy to let mortgages. If a complex case ever needs a fee, we agree it with you in writing first.

Quick summary

Fee structure:

Fee free for standard residential and buy to let mortgages. The lender pays us a procuration fee when your mortgage completes, so expert advice costs you nothing. Any fee for a specialist case is disclosed upfront in writing, and there is never a typical fee hidden in the small print.

Areas we cover:

Liverpool, Wirral, Sefton, Knowsley, St Helens and the whole of Merseyside. We are based in Hampshire and provide mortgage advice by phone, video and email, which most of our customers prefer because it fits around work and family.

Who we help:

First time buyers, home movers, remortgages, buy to let mortgages (including limited company and portfolio landlords), self employed mortgages, contractors and customers with a patchy credit history.

Same day service:

Speak to a qualified mortgage advisor today. Most enquiries get a call back the same working day, and we can usually secure a Decision in Principle within 24 hours.

Your Liverpool mortgage brokers

Our Liverpool mortgage advisors have over 20 years of experience in residential and buy to let lending. We provide whole of market access to high street banks, building societies and specialist lenders, and we help first time buyers, home movers, remortgage customers, landlords and people with complex income across the city centre, Wavertree, Mossley Hill, Woolton, Aigburth, Crosby, Formby and beyond. Every mortgage recommendation is tailored to your personal circumstances, and we also arrange the insurance that goes with it: life insurance, critical illness cover and income protection to protect your home and your loved ones.

Over 20 years' experience in residential and buy to let mortgages

Meet Our Team

Understanding Your Status

How our mortgage process works

From your first conversation to the day your mortgage completes, we manage the entire process. We coordinate with the estate agent, the lender and your solicitor so everyone is working to the same completion date, and you have one team and one number to call with questions.

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Step 1: Consultation

Get in touch for a free consultation by phone or video. We talk through your goals, deposit, income, credit history and the area of the city you want to buy in, which gives us the information we need to start finding the right mortgage for your situation.

Step 2: Recommendation

Your mortgage advisor researches the whole market, compares mortgage products across suitable lenders and prepares a tailored recommendation. You receive a mortgage illustration showing the interest rate, fees and total cost over the term so you can make an informed decision.

Step 3: Decision in Principle

We can often secure a Decision in Principle the same day or within 24 hours. That matters when you find a good house in popular areas like Wavertree, Mossley Hill or the Baltic Triangle, where homes move quickly and estate agents want proof you can proceed.

Step 4: Application

We submit the full mortgage application, send your documents to the lender, answer underwriter questions on your behalf and arrange the valuation or survey. You will not need to chase anyone. We do that, and we keep you updated.

Step 5: Completion

We track your mortgage application through underwriting to offer, then keep in touch with your solicitor through exchange and completion. Once you have your keys we diarise a review before your fixed rate ends, so you never drift onto an expensive standard variable rate.

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Being prepared with the right paperwork
Documents You’ll Need

Income evidence: Last 3 months' payslips for employed applicants, or the last 2 to 3 years' accounts and SA302 tax returns for self employed customers

Deposit evidence: Savings statements, gifted deposit letters or sale-of-property memorandum if using proceeds from another property

Additional documents: Complex cases may need extra paperwork, for example multiple buy to let schedules, evidence of foreign income or an explanation of past credit issues

Bank statements: Last 3 months’ current account statements showing income credits and regular commitments

Proof of ID and address: Passport or driving licence, plus a utility bill or council tax bill dated within the last 3 months

Liverpool property market

Liverpool has it all: a buzzing waterfront, a world famous music scene and a local property market that offers outstanding value compared with other big UK cities. Here is what buyers and landlords should know before they apply for a mortgage.

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Regeneration and growth:

Liverpool Waters, the Baltic Triangle, the Knowledge Quarter and Everton's new stadium at Bramley Moore Dock have all brought serious investment to the city. From Victorian terraces in Wavertree to period homes in Mossley Hill and new build apartments on the waterfront, there is a property type for almost every budget.

Average property prices:

At the time of writing, ONS figures put the average house price in Liverpool at around £185,000, up about 7% on the year. Terraced homes average around £175,000, semis about £235,000 and flats roughly £128,000, with first time buyers paying around £171,000. Average private rent is just over £900 a month, which is why rental yields here are among the best in the UK.

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Key buyer groups:

Demand comes from students at the city's universities, young professionals in the growing digital and creative sectors, families moving out to Woolton, Childwall and Crosby, and buy to let investors attracted by strong rental yields and affordable purchase prices.

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Transport links:

Direct trains reach Manchester in around 35 minutes and London Euston in just over two hours. Merseyrail connects the Wirral, Southport and the coast, and the M62 and M57 put the rest of the North West within an easy commute, all of which underpins demand for property across Merseyside.

Services

Our mortgage services

Liverpool city centre, where our advisers arrange mortgages for local buyers

How Much Can You Borrow?

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This is an estimate only. Actual lending is subject to your credit profile, outgoings, deposit and lender criteria. Speak to one of our advisers for a personalised assessment.

FAQ

Liverpool Mortgage FAQs

Fee free mortgage advice for home buyers in Liverpool

Mortgage Adviser in Liverpool