Mortgages

Looking for a mortgage in St Helens?

You’ve come to the right place. Mortgage Advice People have been providing mortgages in St Helens for over 10 years.

From first time buyers to holiday home purchases, there are a number of different stages which you may find yourself at on the property spectrum. I like to take into account all of your circumstances and consider your preferences and priorities to make sure that our mortgage recommendations are bespoke to your exact needs.

With years of experience providing mortgages and advice throughout the North West, let me take care of your mortgage and find you the perfect product to ensure you are getting maximum value for money by searching through thousands of product from our whole of market offering.

I get asked many questions about mortgages, here are the most common. If you have a question about mortgages that isn’t here then please feel free to contact me. I’m more than happy to answer any questions that you may have.

I’m based in St Helens so I can arrange home visits at a time to suit you if you live within the North West, or alternatively if you live further away or just prefer the convenience of speaking via telephone, just give me a call or leave your details and I’ll call you back as soon as possible.

Your home may be repossessed if you do not keep up repayments on your mortgage

Can I get a mortgage on a zero hour contract?

Zero hour contracts can be acceptable to some lenders but in these situations they will often want to see a good track record of income over a significant amount of time before they will be willing to lend as a responsible lender will want to make sure that the repayments are actually affordable to the client before they offer any advance.

How long do I need to be in employment before I can get a mortgage?

As with many things this can dIffer from lender to lender and also on the type of employment that you have. Some lenders will lend from day 1 of employment or even from the confirmation of employment that hasn’t yet begun! Some lenders will want to see 3 months or 6 months of employment history and some even more than this. If applicants are self employed then this becomes longer as most lenders like to see at least 2 years tax returns before they will lend and some like to see 3 years, but again there are other lenders that will lend with just 1 years tax returns but as with everything, the more history you have to show a proven track record, the better position you are likely to be in.

Can I get a mortgage on a property that needs refurbishment work?

Yes, many people go down the route of a “project” property, often where they feel they may be able to make significant savings by doing a lot of refurbishment work themselves. Most lenders will only lend on the current value of the property prior to the work being done and most lenders will still insist on there being at least a basic kitchen and mains connections but will still be happy to lend.

How much can I borrow on a mortgage?

This is a common question and unfortunately not a straight forward one. Lenders now will only lend based on affordability, which basically takes into account what income is coming into a household against what outgoings the applicant has to leave a figure that they have to deem affordable for that particular mortgage product, and this differs from lender to lender depending on their appetite to risk. If you speak to a broker then they should be able to give you a rough idea once they know your circumstances but this would be clarified before any recommendations are made.

Does my mortgage have to be repaid before I retire?

Most lenders will want you to repay the mortgage before you retire, from a common-sense point of view this makes perfect sense as often in retirement salaries can drop significantly and therefore the mortgage payment could become a struggle. Some lenders, in certain situations will still consider lending into retirement if an applicant has a pension or investment income that can still sustain the repayments and be deemed affordable for them, but in most situations the lenders will want the mortgage repaid prior to retirement.

Can I take a joint mortgage with my partner or friend?

The simple answer is Yes, most lenders have no problem with this and as long as you both fit the criteria with that particular lender then there should be no reason why this cannot be done.

What fees will I have to pay if I take out a mortgage?

Fees can differ from lender to lender and also your own personal circumstances, there will also be some other fees such as legal fee’s, broker fee’s and possibly stamp duty fees but these will all be made completely clear to you before you decide to proceed with anything once your circumstances have been fully assessed.

How can I get the best deal on a mortgage?

Quite simply, speak to a broker such as myself who has access to the whole of the market so that they can compare all of the best rates that will be available to you and show you the pros and cons of each. On your part you can also make sure your credit file is all in order and that you have a good history of repaying any financial agreements you may have had in the past to put yourself in the best possible position.

How Can We Help?

Whatever your mortgage or insurance requirements, simply enter your details below and I’ll call you back shortly.

Testimonials

Kieron was a huge help to us as we were looking for the best mortgage for first time buyers. Kieron arranged to see us and gathered all the information that he needed. He guided us through the various options and explained everything in plain English including the help to buy schemes available. We couldn’t recommend Kieron enough to anyone looking for a Mortgage in St Helens.Craig & ClaireFirst Time Buyers - Windle, St Helens

I’ve used Kieron many times over a number of years in securing buy to let mortgages for my portfolio. I’ve always found Kieron to work diligently on my behalf and to be approachable, friendly and sincere at all times. Despite this, I think of Kieron more as a friend instead of a business associate as his nature instantly puts you at ease. Kieron is a key person in my buy to let investment strategy. I’d have no hesitation in recommending him to anyone looking for a mortgage in St Helens.Jonathan DBuy To Let Investor - Various Locations, St Helens

Buying our first home was exciting and also stressful. Thankfully we were introduced to Kieron from Mortgage Advice People and he made the whole process much more simple. It’s so convenient to look at all the mortgages available all at once instead of visiting different lenders and whenever we had a question, Kieron was on hand to answer it. The mortgage that Kieron helped us to select is perfect for our needs as first time buyers,Jade & SamFirst Time Buyers - Haresfinch, St Helens

A big thank you to Kieron for taking the time to explain all my options. Buying my first home was something that I wanted to do for some time. Kieron helped tremendously by answering the many questions that I had before the process even begun. His relaxed and friendly approach put my mind at rest and allowed me to feel that I could ask any question without feeling stupid. I’m more than happy with the mortgage that Kieron arranged for me. Kieron helped the purchase run like clockwork. I’ve already passed his number onto friends.Tony GFirst Time Buyer - Laffak, St Helens

Selling our home and upgrading couldn’t have been made more simple thanks not least to Mortgage Advice People. Kieron who lives in St Helens himself was always on hand and even fitted in around our shifts at work. We moved house and even ended up with a mortgage that was much cheaper than we first expected! If you’re looking for a mortgage broker in St Helens then we both suggest that you contact Kieron. He’ll save you money and hold your hand each step of the way.Martin & SamHome Movers - Sutton Leach, St Helens

This is the second time we have used the services of Mortgage advice People and would definitely recommend them. From start to finish Jon & Kieron have been extremely professional, very respectful of confidentiality issues, and supportive with excellent communication and speedy responses. Wouldn’t hesitate to use their financial services if needed in the future.Angela KRemortgage - Windle, St Helens

I would highly recommend Kieron and the team to help buy your perfect home. They helped us massively, we didn’t really know where to start with the mortgage side of things and Kieron dealt with everything making it seem so easy!David MFirst Time Buyer – Wigan

I highly recommend Kieron at Mortgage Advice People! As a first time buyer, I was nervous and unsure of the mortgage process. However, Kieron made everything easy, simple and was always on hand to answer any questions or queries I had. Would definitely advise any other First Time Buyer or previous homeowners to contact Kieron! Thanks again!Alex IFirst Time Buyer – Grange Park, St Helens

A good experience from start to finish. Jon was highly efficient, provided good advice and communicated well throughout each stage of finding me a new mortgage. Fuss and stress free, which is exactly what I wanted. Would use again.Sue JRemortgage - Rainford

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