07495 753484 craig@mortgagelocal.co.uk

Local mortgage & protection adviser

Straightforward mortgage advice for Liverpool, Crosby and Merseyside

Buying a home or sorting the protection around it can feel daunting, especially the first time. I'm Craig Adams, a CeMAP-qualified adviser based in Waterloo, and I'll explain your options in plain English so you always know where you stand.

Whole of market · CeMAP qualified · Based in Waterloo

How I can help

Mortgages and protection, explained simply

Whatever stage you're at, I'll take the time to understand your situation and search widely to find the right fit for you.

First-time buyers

Clear, patient guidance from your first conversation to picking up the keys.

Find out more →

Home movers

Moving up, down or across? I will help you carry your mortgage or find a new one.

Find out more →

Remortgaging

Coming off a deal or looking to release equity? We will find a sensible next step.

Find out more →

Buy-to-let

Whether it is your first rental property or you are growing a portfolio.

Find out more →

Commercial mortgages

Premises, investment property and specialist finance for businesses and landlords.

Find out more →

Bridging finance

Short-term finance to bridge the gap when timing is tight.

Find out more →

Second-charge mortgages

Borrow against your equity without disturbing your existing deal.

Find out more →

Adverse or bad credit

A bumpy credit history does not have to mean the end of the road.

Find out more →
Illustration representing protecting your home and family with insurance cover

Protection

Protecting your home means protecting your future

A mortgage is one of the biggest commitments you'll make. Life insurance, critical illness cover and income protection can give you and your family peace of mind if the unexpected happens, without paying for cover you don't need.

About Craig

A local adviser who explains things simply

I'm based in Waterloo and work with people across Liverpool, Crosby and the wider Merseyside area. Whether you're a first-time buyer, remortgaging, buying to let, or you've had a few bumps with your credit along the way, I'll search across a wide range of lenders to find the right fit for you, and I'll be there at every step until the keys are in your hand.

Why clients choose me

  • Whole of market: not tied to one bank or provider
  • Clear, honest advice in plain English, no jargon
  • CeMAP qualified, based locally in Waterloo
  • On the end of the phone whenever you've got a question

Reviews

What clients say

Genuine reviews from Craig's Google Business Profile.

“Brill advisor helping us with our first house 👌”
Molly R.September 2026 · Google
“Makes the process really easy for you, will advise and help with any queries during the buying process which was a big help.”
Patrick D.September 2026 · Google
“Highly recommend Craig to anyone, helped me and the missus with our first house, called us to explain things every step of the way and put our minds at ease when we were worrying we’d never get accepted for a mortgage as first time buyers. Very knowledgable and professional, always offering support when needed. Appreciate it Craig, all the best!”
Sean M.August 2026 · Google
“Craig has been excellent throughout the process of buying our first home, providing invaluable support and guidance with our mortgage arrangements. He is friendly, approachable and personable, which made the whole process feel much less daunting. Craig explained our options clearly and was always available to answer any questions or talk things through. We always felt we were in safe hands and couldn’t recommend him highly enough.”
Rebecca C.August 2026 · Google
“Craig was fantastic from start to finish. He made the whole mortgage process straightforward, explained everything clearly, and was always available to answer any questions. His knowledge and professionalism gave me confidence throughout, and he worked hard to find the best option for my circumstances. I couldn’t recommend Craig highly enough to anyone looking for honest, reliable mortgage and protection advice. Thank you for all your help!”
Jack R.August 2026 · Google
“Craig has helped me with several remortgages over the years, and the process has always been smooth and straightforward. He is knowledgeable, friendly, reliable, and always quick to respond and answer any questions. I would happily recommend Craig’s services. :)”
Vitalij P.July 2026 · Google

Working with lenders across the market

AldermoreBarclaysBluestone MortgagesCBSCo-opFoundation Home LoansHalifaxHSBCNatWestNationwideParagonSantanderSkiptonTSBThe Mortgage WorksVirgin MoneyYorkshire Building Society
Please note: This website is for information only and does not constitute mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

Let's have a straightforward conversation

Get in touch for a free, no-obligation chat about your options. I'll explain everything in plain English and take it from there.