Award-Winning Mortgage Broker Liverpool
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Mortgage Broker & Advisor in Liverpool
Bell Financial Solutions are proud to be your 5-star-rated mortgage broker in Liverpool offering a wide range of services including home mover mortgages. Our mortgage brokers offer creative mortgage solutions offering options such as porting your mortgage or mortgage alternatives that you have not yet considered. Whether you are looking to move property to cater to your growing family needs or you are relocating to another area, it doesn't matter to us, we have the home mover mortgage solutions you require.
Do you know what's even better? Bell Financial Solutions offer a pay-only on completion guarantee. You won’t have anything to pay until your sale completes or your new mortgage starts.
Try Our FREE Mortgage Tools for the Liverpool Area
To get a good idea of what you’re mortgage in Liverpool could cost before finalising everything, we have some free mortgage tools below that could help you gauge what your personal situation is going to look like.
🏷️ Mortgage Quote Tool – You can get a quote for a mortgage you’re looking to secure in Liverpool, all personalised to your situation
📊 Mortgage Calculator – This is to help you estimate your monthly repayments to plan your budget
💸 Mortgage Overpayment Calculator – Here, we show you how making extra payments could save you money and reduce how long you pay your mortgage for.
🏠 Stamp Duty Calculator – Here, you can find out how much Stamp Duty you’ll need to pay on your next property, based on value, location, how you’ll use the property, etc
📄 Mortgage Capacity Reports – This shows you what you can realistically borrow, which is super important when trying to confirm through legal and financial proceedings.
🛍️ Mortgage Best Buys – Here, you can look at all of the latest mortgage deals from across the market in one place to get a feel for what rate you’re going to pay in Liverpool.
Each tool is really easy to use, so regardless of where you are in your journey right now; each tool gets you closer to the home you truly want. If you want our team to walk you through or talk through the entire mortgage process, we’re always available for a chat.
We’re all ears.
Let’s have a chat about what you need and how we can help.
Why Choose Us?
At Bell Financial Solutions, we are very experienced in the North West and understand exactly how the locational market works. With big firms, it can be tough for them to get to grips with your situation, or what you truly want, and that’s why our independent firm always focus on our customers first, listen to your personal situation, and give you a plan of action based on that.
Being one of the leading mortgage advisers in Liverpool and Manchester with access to high street lenders and specialised products that you won’t be able to find online, we make sure to give our valued customers as many options as possible with their mortgages, with it being one of the most (if not the most) important financial decisions of your life.
Whether you’re just starting to think about buying or you’re ready to make an offer, our CeMAP-qualified advisers are only a phone call away. Think of us as your trusted guide to getting one step closer to your dream home.
Our Tailored Mortgage Services
There are so many situations that you could be in right now in search of the right property, but we make sure to cover all bases. That’s why we offer services for every possible scenario:
First Time Buyer Mortgages Liverpool
Are you a first-time-buyer looking to get onto the property ladder? It's an exciting but stressful time. Thankfully, Bell Financial Solutions provides a comprehensive first-time-buyer mortgage service that covers everything from sourcing the most suitable mortgage deal to suit your financial circumstances to dealing with solicitors and paperwork. If you've saved your deposit for your ideal first property (at least 5%), it's time to get in touch with our mortgage brokers in Liverpool.
The path to securing your first home starts with our mortgage broker performing a credit check and retrieving key information we require such as bank statements. Our mortgage brokers then proceed to getting your mortgage in principle. Sit back, work with us, and enjoy the journey towards owning your first home.
Remortgages Liverpool
Looking to remortgage your home in Liverpool? Look no further than Bell Financial Solutions. You may want to consider a remortgage if you're coming to the end of your current mortgage deal. As a general rule of thumb, we recommend looking into remortgage options around 6-8 weeks before the end of your current mortgage deal. This gives you plenty of time to explore your options with a mortgage advisor in Liverpool, just like Bell Financial Solutions.
Proceeding with a remortgage CAN provide many benefits such as freeing up money for renovations, home improvements, or to simply enjoy life with. You may also want to consider remortgaging if you're looking to pay off your mortgage quicker. This may be as a result of receiving a large sum of inheritance money, for example.
Buy-To-Let Mortgages Liverpool
Buy-To-Let mortgages - also known as investment mortgages - are another type of mortgage that we help clients secure. BTL mortgages can help you to secure your financial future, for you and your loved ones. Our CeMap-qualified investment mortgage advisers in Liverpool provide the best professional advice and have access to specialist BTL lenders. If you have recently come into money and you're seeking efficient ways to make that money work hard for you, property investment should be considered.
BTL mortgages are a little more complicated than your standard type of mortgage. But don't worry, Bell Financial Solutions have an abundance of experience with investment mortgages and can also accelerate existing projects by freeing up equity if this is something you would consider.
Your property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Mortgage Protection Liverpool
Buying a property and getting a mortgage is one of the biggest financial commitments you're likely to ever make. Therefore, it makes total sense to have mortgage protection alongside it. Bell Financial Solutions have a duty of care to our clients that we don't take lightly. This is why we offer multiple mortgage protection options for you to select from including buildings and content insurance, mortgage protection against illness, mortgage life insurance, and more.
Areas We Cover in Liverpool
Being located in the North West, we can cover all areas of Liverpool, from the City Centre and the Baltic Triangle to Allerton, Aigburth, Woolton, and many more. We aim to help you, regardless of where you want to live in Liverpool, as our team knows all areas very well.
If you want to find out more about mortgages in the local area, or you’re stuck on where you want to locate, get in touch with our team on 0161 791 4757 and we’ll offer our expert advice on a free, no obligation call.
Still have questions?
Do you have access to various lenders?
Yes, of course. Bell Financial Solutions are proud to have access to over 90 + lenders on the market, including specialist lenders for BTL mortgages and first-time-buyer mortgages. We have built some fantastic relationships over the years with various mortgage lenders that know our process and how we work. This gives you a great chance of first time approval!
What's the process?
Bell Financial Solutions follow a proven process when it comes to all mortgage services including first-time-buyer mortgages and remortgages. We do our utmost to source the most suitable mortgage deal for you. The first step is finding out more about your current financial situation and property ambitions. Secondly, we'll research and utilise our access to over 90 + lenders on the market. Next, we'll submit an application for you. We'll wait for the Agreement In Principle (AIP) before proceeding to the final stages. Bell Financial Solutions offer a no-key, no-fee promise which means you won't pay us until you have the keys to your new home.
I'm a first-time-buyer. Can you help?
Yes, of course. We understand how stressful it can be as a first-time-buyer but thankfully, Bell Financial Solutions can handle the whole process for you. From sourcing the most suitable mortgage lenders, handling solicitors, paperwork, and everything in between, you're in safe hands with Bell Financial Solutions. The first step to getting your first mortgage is saving enough money for a deposit which can start with as little as 5% of the overall value of the property. Once you've saved up enough money for your ideal first property, it's time to proceed and speak to an advisor just like ourselves to check if you qualify.
Fixed or variable mortgage?
This is a question we are asked all the time. It's difficult to give a definitive answer before understanding your current financial situation and current circumstances. With a fixed-rate mortgage, you reap the benefits of being in a position of knowing your monthly mortgage outgoing on a consistent basis.
Why use a mortgage broker instead of going through a bank?
One of the main reasons why people use mortgage brokers instead of going directly through a bank is because banks will be biased towards their own rates; whereas, with a mortgage broker, they will shop around for you, not only finding you the most affordable option, but the mortgage deal that is right for your personal circumstances.
Can you get a mortgage if you’re self-employed?
The short answer is yes, you can get a mortgage if you’re self-employed, but it will take more financial documentation. This is because the lender needs to know that you’re reliably earning the necessary amount of income that aligns with your mortgage rate.
How much does a mortgage broker cost in Liverpool?
How much you pay for a mortgage broker depends on how they charge their customers. For example, some charge a flat fee - typically between £0 and £1000, and some brokers charge a fee typically between 0.3% and 1% of the mortgage value of your new home.
We’re all ears.
Let’s have a chat about what you need and how we can help.
