Mortgage Brokers, Advisors Liverpool

Welcome to Huxley Mortgage Services Liverpool! We're independent mortgage brokers who are passionate about helping you find the right mortgage solution while providing a friendly and professional service. As whole-of-market brokers, we have access to over 140 lenders and can even offer you exclusive deals that you won't get by going direct to lenders.

Welcome to Huxley Mortgage Services Liverpool!

 

Huxley Mortgage Services is an independent, whole-of-market mortgage broker with a reputation for delivering expert financial advice. We’re a national mortgage broker with offices all across the UK, but we have a dedicated branch in Liverpool and are proud to serve the local people of this vibrant and historic city. We also cover many surrounding areas including Knowsley, St. Helens, Sefton and Wirral.

 

At Huxley, we offer a complete range of mortgage and financial products to clients in and around Liverpool. We can help you remortgage, get a debt consolidation loan, or secure a mortgage as a first-time buyer, self-employed person or contractor. We can also offer you mortgage protection insurance, bridging loans and secured loans.

 

Being an independent mortgage broker means we make our clients a priority. Our team of friendly, professional and experienced mortgage advisors will discuss your situation in person or over the phone, guide you through the process in a simple, jargon-free fashion, and help you find the right mortgage solution based on your individual situation.

 

Our Liverpool office is easy to find. It’s located in the heart of the city, in Rodney Chambers on Rodney Street, nestled between the Knowledge Quarter, Georgian Quarter and Ropewalks areas. We’re a short walk from both Liverpool Central and Liverpool Lime Street stations, and there are ample parking options available nearby.

 

We’d love for you to come in and have a chat with one of our friendly mortgage brokers, who are happy to provide the help, advice and support you’re looking for.

What Mortgage Services Do We Provide In Liverpool?

 Remortgaging

Remortgaging is where you swap your existing mortgage for a new mortgage, with the aim of getting a more favourable deal to suit your needs/circumstances. You can either stay with your current lender or switch to a different lender. Remortgaging is a popular option for homeowners with a fixed rate mortgage whose introductory term is about to expire and they don’t want to be placed on their lender’s standard variable rate (which tends to be far less competitive). Remortgaging can also grant you more flexibility in how you pay your mortgage, which is useful if your financial circumstances change.

 First-Time Buyers

A first-time buyer is an individual (or couple) who is buying a house and doesn’t own, or hasn’t previously owned, a residential property. Did you know that first-time buyers get access to help other that other home buyers don’t, such as Stamp Duty relief and Help to Buy schemes? Stepping onto the property ladder for the first time can be daunting, but Huxley are here to help guide you through the process. 

 Moving Home

When moving home, you can either transfer (or “port”) your existing mortgage to your new house, or you can remortgage — perhaps to borrow more money or get a better. Just like when you originally took out your mortgage, it’s crucial that you crunch the numbers to make sure that your decision makes financial sense — you don’t want to miss out on a more competitive deal that may be out there or be stung by early repayment fees. 

 Buy-to-Let Mortgages

A buy-to-let mortgage is a specific mortgage for landlords who purchase property with the intent of renting it out to tenants. They’re similar to conventional mortgages but they have a number of key differences, including higher lender fees, the interest rates you’ll be offered and the deposit required.

 

 

 

 Commercial Mortgages

If you’re buying a non-residential property, such as an office, shop or restaurant, you’ll need what’s called a commercial mortgage. There are a number of key differences between commercial mortgages and traditional residential mortgages, which our financial experts are happy to explain as we help you find the right deal for your business.

 Self-Employed Mortgages

Contrary to popular opinion, self-employed individuals can secure a mortgage just like everybody else. The main difference is that you’ll need to provide more thorough financial information. As a general rule, you’ll need to provide your lender with proof of your income for the past two years. Whether you’re a sole trader, a partner or director, we can guide you through the process while helping to secure the best self-employed mortgage for your situation.

 Contractor Mortgages

Just like with self-employed people, being a contractor doesn’t hinder your chances if securing a mortgage. In fact, there are mortgage deals and lenders out there that cater specifically to the circumstances of contract workers. Whether you’re a fixed-term contractor​, ​an umbrella company employee​ or ​zero-hour contract worker​, Huxley are here to help.

 Adverse Credit Mortgages

Whether you have CCJs, defaults or have even been declared bankrupt, it’s still possible for you to secure a mortgage with bad credit. You may not be offered the same competitive rates as applicants with a clean credit history, but finding a willing lender is much easier if you use the services of a specialist whole-of-market mortgage broker like Huxley.

 Mortgage Protection

Being unable to pay your mortgage and potentially losing your home is the worst nightmare for any homeowner. This is where mortgage protection comes in. It’s an insurance policy that covers your mortgage payments in the event of an unfortunate event, such as redundancy, illness or, worse, death. Mortgage protection isn’t a legal requirement, but it’s definitely worth considering.

What Other Services Do We Offer?

 

 

 

 

 

 Debt Consolidation

If you’re drowning in debt or struggling to juggle several loans, debt consolidation might be the lifeline you’re looking for. It’s where you merge your outstanding debts into a single larger loan, which not only makes life easier but can save you money in the long-run.

 Secured Loans

A secured loan is where you borrow money using an asset that you own (such as your house or car) as collateral. Secured loans have more favourable interest rates compared to personal (or unsecured) loans. However, if you fail to keep up with the loan repayments, you risk losing possession of the asset against which the money was borrowed.

 Bridging Loans

A bridging loan is a quick and flexible short-term finance solution designed to help you “bridge the gap” from A to B. It’s a popular option for house buyers wanting to get a deal done quickly, property developers seeking to fund a new project and those who’ve purchased a property at an auction.

 Business Protection

Business protection is a type of insurance that safeguards your company in the event of an unforeseen event or incident. At Huxley, we offer a range of business protection insurance policies, including Relevant Life Insurance, Key Person Insurance and Shareholder Insurance. Get in touch and we can help you get cover that is relevant to your business.

Why Choose Huxley Mortgage Services?

If you’re looking for mortgage advisors in Liverpool, Huxley Mortgage Services is the name you can trust.

As independent, whole-of-market mortgage brokers, we survey the entire market, rather than a small number of lenders that we’re tied to. We have access to over 140 lenders, giving us a wide range of options to choose from. More choice means more chance of finding the mortgage product that’s right for you.

Since opening our Liverpool office in 2018, we’ve gotten to know the area intimately and have developed strong connections with high-street banks and building societies, as well as local, independent lenders. Because of this, we can offer you exclusive and competitive mortgage deals that you won’t get by going directly to lenders.

At Huxley, we pride ourselves not only on our mortgage expertise, but our excellent level of customer service. We strive to deliver the best possible experience while making things as easy, simple and stress-free for our clients. That’s why we offer a red carpet service, which means you get immediate access to one of our mortgage advisors; the availability of evening and weekend appointments, seven days a week; constant updates throughout the entire process; and a fully-managed service from start to finish.

If you’re looking for expert mortgage advisors in Liverpool, get in touch with Huxley Mortgage Services on 0151 374 0105 or at info@huxleyms.co.uk. Or come into our Liverpool office for a chat!

A Little Bit About Liverpool

liverpool beatles

 

 

 

 

 

It goes without saying that Liverpool is one of the UK’s most famous and historic cities.

You can’t talk about Liverpool without mentioning music. As the birthplace of the Merseybeat scene in the 1960s, the city blessed the world with the most influential and highest-selling (and greatest, but we’re biased!) band of all time, The Beatles. Paul McCartney, John Lennon, George Harrison and Ringo Starr’s legacy can still be felt throughout the city, with landmarks like The Beatles Statue and The Cavern Club drawing tourists from around the world every year.

Liverpool is also a big player in British sports. The city is home to two of the country’s oldest and most decorated football clubs, Liverpool and Everton, whose Merseyside derbies remain one of the fiercest rivalries in football. Meanwhile, the Grand National, the biggest event in the UK’s horse racing calendar, is held at nearby Aintree Racecourse, just a few miles out from Liverpool city centre.

As one of the most popular tourist destinations in the UK, there is lots to see and do in Liverpool. The city has a vibrant and varied offering of museums, galleries, listed buildings, music and comedy venues, and retail and leisure complexes. The Royal Albert Dock, Liverpool Cathedral and St. George’s Hall are all a must-visit for both tourists and residents alike.

Since it was founded as “Livpul” by King John in 1207, Liverpool’s identity has been shaped by its proximity to the sea. In the 18th century, the city rose to prominence as part of the booming transatlantic trade. The Albert Dock complex was built in 1846 and by the end of the century, a whopping 40% of the world’s trade passed through Liverpool.

Although Liverpool experienced ups and downs throughout the 20th century, thanks to the devastating blitz during World War Two and the decline in its docks and manufacturing industries, the city has rebuilt itself into one of Europe’s leading cities. In fact, it was crowned European Capital of Culture in 2008. With continual regeneration taking place, Liverpool remains one of the UK’s most desirable, dynamic yet down-to-earth cities with a bright future ahead of it.

If you’re looking to get a mortgage in Liverpool, get in touch with Huxley Mortgage Services on 0151 374 0105 or at info@huxleyms.co.uk today, or pop into our Liverpool office!

Our Liverpool Office

Pop in and see us or call Huxley Mortgage Services on 01244 955 399 or at info@huxleyms.co.uk to speak to our friendly team.