First-time buyers
Getting a clear, honest picture of what you can afford across the city.
Find out more →Liverpool
Mortgage adviser in Liverpool
Liverpool is not one housing market, it is a dozen. A city-centre apartment, a Georgian conversion and a suburban semi in Allerton are three completely different lending conversations. I will point you at the right one.
I work with buyers, movers and landlords right across Liverpool, from the city centre and the Georgian Quarter out through Aigburth, Allerton, Woolton, Wavertree and Kensington. The variety is the point: what a lender will happily do in one postcode they will decline in another, and what suits a first-time buyer will not suit somebody building a rental portfolio.
Being whole of market matters more in a city like this. Rather than being tied to one bank's criteria, I can look across a wide range of lenders, including specialist ones who take a more considered view of flats, ex-local-authority property, new-build apartments or a less-than-perfect credit history.
Areas covered around Liverpool
- City centre
- Georgian Quarter
- Aigburth
- Allerton
- Woolton
- Wavertree
- Kensington
- Anfield
- Walton
Apartments, conversions and lender criteria
City-centre and converted flats are where Liverpool applications most often come unstuck. Lenders take positions on lease length, ground rent and service charges, the number of storeys, the proportion of a block that is rented out, cladding and external wall assessments, and whether it is a new build. Some will not lend at all on certain blocks. This is entirely navigable, but you want to find out before you have paid for a valuation, not after.
What I most often help with in Liverpool
Buy-to-let
Whether it is a first rental property or an expanding portfolio, including limited company borrowing.
Find out more →Adverse credit
A bumpy credit file does not have to end it. I will tell you honestly what is realistic.
Find out more →Common questions
Do you cover the whole of Liverpool?
Yes. I am based in Waterloo and work across the whole city, as well as Crosby, Bootle, Formby, the rest of Merseyside and the wider North West.
Can you help with a city-centre apartment?
Yes, and it is worth getting advice early. Lenders have firm views on lease length, service charges, block rental levels and cladding. I will check the property is lendable before you spend money on it.
Do you work with landlords?
Yes, including portfolio landlords and limited company purchases. Note that some buy-to-let lending is not regulated by the Financial Conduct Authority.
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.
Reviews
What clients say
Genuine reviews from Craig's Google Business Profile.
“Brill advisor helping us with our first house 👌”
“Makes the process really easy for you, will advise and help with any queries during the buying process which was a big help.”
“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!”
Looking for a mortgage in Liverpool?
Get in touch for a free, no-obligation chat about your options. I'll explain everything in plain English and take it from there.