Start your journey today with

Mortgage & Insurance Needs

Start your journey today with

Mortgage & Insurance Needs

Mortgage & Insurance advice tailored to you

M - Mortgage

A - And

I - Insurance

N - Needs

Award-winning Independent Mortgage Brokers in Wirral, West Kirby. Offering expert Advice on First Time Buyer Mortgages, Remortgages, Buy-to-let, Bad Credit, Equity Release, Life Insurance and Self Employed Mortgages.

Whatever your circumstances, we can support you in purchasing your first home, remortgaging your existing property, buying an additional property, or investing in a buy-to-let. We also provide advice on life insurance, critical illness cover, income protection, and buildings and contents insurance.

We will then contact you to arrange a suitable date and time to speak to one of our expert advisors.

Complete the form to arrange a consultation to discuss your requirements

Try out our Mortgage tools

Mortgage Repayment Calculator

See examples of monthly mortgage repayments and costs, along with interest rates for mortgages you could be eligible for.

Mortgage Affordability Calculator

Work out a rough estimate of how much you could borrow, based on your income and outgoings – takes a few minutes.

Get an Agreement in Principle

Take the first step to buying your home. Find out quickly if you could borrow the amount you need – without affecting your credit score.

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Our Mortgage Services at M.A.I.N

first time buyer mortgages

self employed mortgages

remortgage your home

buy to let mortgages

bad credit mortgages

zero hours mortgages

hmo mortgages

Frequently Asked Questions

At M.A.I.N, we offer honest, straightforward advice tailored to your individual circumstances. We search across a wide panel of lenders to find the most suitable mortgage for you, not just a single bank’s products. Our experienced advisers guide you through every step of the process, handling paperwork and liaising with lenders, estate agents and solicitors — making the whole experience as smooth and stress-free as possible.

Yes. Having a poor credit history doesn’t automatically mean you can’t get a mortgage. We work with lenders who specialise in helping clients with adverse credit, including missed payments, defaults, CCJs or previous financial difficulties. We’ll assess your situation honestly and recommend the most suitable options available to you.

Remortgaging is usually a straightforward process, particularly if your circumstances haven’t changed significantly. We’ll review your current mortgage, check for any early repayment charges, and search for better deals that could reduce your monthly payments or release equity. We manage the process from start to finish to make switching simple and hassle-free.

Our fees are transparent and will always be clearly explained upfront. In many cases, we are paid by the lender once your mortgage completes. If a fee is payable by you, we will confirm the exact amount before you proceed — there are no hidden costs.

On average, a mortgage application takes between 8–12 weeks from initial application to completion. However, timescales can vary depending on the lender, your circumstances, property type, and how quickly required documents are provided. We keep you updated at every stage.

Most lenders require a minimum deposit of 5–10% of the property’s purchase price. However, the more you can put down, the better the rates are likely to be. There may also be schemes available to help buyers with smaller deposits. We’ll review your finances and advise on the most realistic and affordable options for you.

Who Are Mortgage & Insurance Needs?

Since 2005, we’ve been helping clients find the right mortgage and protection solutions. Most of our new business comes from referrals, which we think says a lot about the service we provide.

Whether you’re employed, self-employed, a contractor, or a company director, we take the time to understand your situation and find a solution that works for you. From bad credit to self-employed income, we use our industry experience and strong lender relationships to secure the best deals.

With a combined 100 years of experience in mortgages and insurance, we manage the whole process for you—liaising with lenders, solicitors, insurers, and surveyors—so you can save time and stress.

We don’t believe in “one-size-fits-all” products. Every client gets a tailored approach. That’s why we always recommend a personal appointment, by phone or in person, to create a solution designed just for you – Making mortgages and protection simple, personal, and stress-free.

Don't just take our word for it ...

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Simon Jones
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5 Stars I have been a client with Elliott (and now the wider team) for many years and often refer friends and colleagues. I have always been looked after and given good, sound advice. I will look to use and be with the team for as long as they continue to trade.
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Dan Booth
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Amazing service. George explained everything at the beginning, the process was so easy from start to finish. Our mortgage was approved within the day and secured a great rate. Thanks to the whole team for a great experience, highly recommend!
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Natasha Carr
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Have used MAIN for going on 10 years now. Mortgage - Elliott is astounding at what he does. Professional, insightful and great on a personal level. We have renewed twice with him and will continue to do so. He has seen our story and family grow and adapts to this. The level of care and customer service is unmatched. He always provides the highest quality of advice in order to get the deal that it right for us and remain competitive. Insurance - we have also used the team for setting up life insurance, critical illness and explored income protection services. Again, attention to detail is strong and customer care is to very high level. Service is proactive and always to a high standard. I feel confident that my family are well provided for should the worst happen. (We never want to think of this but is so needed!) Will - as existing mortgage customers we are given the opportunity to have a free will done through the team. James provided a high level of service, was thorough, professional and personable. It was a refresh of current mirrored will and honestly the service out did the previous (expensive) solicitor. Overall - the customer service, quality of the work and team are unmatched. I would not look to move from MAIN and intend on being a customer for many years to come.
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Tono
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The team at main- Elliot, Hannah and Richard were really good. I moved into my new home last Friday on what felt like an eternity going through the whole process. It was both stressful and challenging for all concerned, but main delivered. I would highly recommend main for your mortgage needs and there other services.
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Becky Hunt
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Met with James to go through my will. It was so quick and easy with everything explained thoroughly. Would definitely recommend.
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emma phillips
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THE BEST! All the team, but especially Jack, Elliot & Hannah have been amazing in our rollacoaster of securing our first house! Thank you all so much we couldn’t recommend you more. Em & El
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Faith Williams
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We have been using MAIN for several years now for our mortgage renewals and when we’ve purchased properties, we would highly recommend anyone who is looking for a mortgage to give them a call. They make everything so easy and cut out all the jargon so you understand what is feasible and means you can consider the best options. It’s not only our mortgages they’ve helped us with. It’s our life insurance, critical illness cover and most recently our will. We met with James to discuss this, he talked us through everything and helped us get what we needed in place, as our family has grown and was something we hadn’t really considered or had arrangements for. Again, we couldn’t recommend this service enough. James was great! Made everything simple, discussed what was needed and why, sorting it out all really quickly. Something which had felt like an overwhelming task, that we kept putting off, actually turned into a really valuable conversation. Thank you James and to all of the team!
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Jane Shipton
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Thank you James for all of your help and advice with setting up our Will, you made us feel very comfortable and explained everything clearly so that we could understand every step of the way.
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Ellie H
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James helped me create my will and I couldn’t have had a better experience. What I thought would be a really complex process was made so simple and straightforward. Really highlighted how important it is to have a will and how simple the process can be. Thank you for all your help!
We search the market from our comprehensive panel which is representative of the whole of the market. We have access to over 70+ lenders and thousands of mortgage deals.

“We are impartial and work solely with your best interests at heart.”

Since 2008, we have successfully arranged over £1 Billion in mortgage lending for our clients.
Arranged over 6000 mortgages and over 3000 protection plans for local families.

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