Mortgage & Insurance Needs
Mortgage & Insurance advice tailored to you
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.
Mortgage & Insurance Needs
Mortgage advice tailored to you
Award-winning Mortgage Brokers in Wirral, West Kirby. Offering expert Advice on First Time Buyer Mortgages, Remortgages, Buy-to-let, Bad Credit, Equity Release & More.
Our Trusted Partners
Start your journey with M.A.I.N
M - Mortgage
A - And
I - Insurance
N - Needs
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
Mortgage Affordability Calculator
Get an Agreement in Principle
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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
Frequently Asked Questions
Why should I chose M.A.I.N to arrange my mortgage?
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.
I have a bad credit history - can you still help?
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.
How easy is it to remortgage my current property?
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.
What fee do you charge to arrange my mortgage or insurance?
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.
How long does the process take from start to finish?
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.
I have very limit funds for a deposit - how much do I need to pay?
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 ...
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.
