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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Helen Caulfield
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The team at MAIN are quite simply the very best at what they do! We’ve been guided, advised and kept informed every step of the way with applying for our remortgage. They have secured us the best rate and deal for our needs and have helped us to be able to buy the property we really wanted. We’ve been using MAIN for about 10 years (or maybe more!) and would never dream of going anywhere else. We wouldn’t hesitate to recommend MAIN. Here’s some extra stars to add to the other 5! ⭐️⭐️⭐️⭐️⭐️
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Gina Davies
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I had a fantastic experience with MAIN. They were incredibly helpful through my mortgage journey, always happy to answer any questions I had and offer advice whenever I needed it. Nothing felt like too much trouble and they were always quick to respond, which made the whole process much easier and less stressful! It was reassuring to know I could reach out any time, even if it was just for a bit of guidance or reassurance especially as this is my first property purchase doing it on my own! I’m so grateful for their help and support and would highly recommend them to anyone looking for mortgage advice! Thank you!!!
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brenna hopkins
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I had a great experience with Main Mortgage today. The advice I received was really helpful, clear, and professional. Everything was explained well, and answered any questions I was unsure about throughout the conversation. Thank you for taking the time to help me today. I really appreciate your guidance and would highly recommend Main Mortgage to anyone looking for mortgage advice!
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John Invernizzi
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As a first time client I found all the staff at MAIN really helpful, offering clear guidance even prior to our meeting in branch. Graham explained our mortgage options quickly and clearly without any confusing jargon. Would highly recommend.
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Carolyn Crawford
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Absolutely outstanding service with a smile . Matthew Edge has been super efficient, very helpful . Nothing has been too much trouble for him. I had a particularly complex issue to resolve and he was always available to help resolve it . Other team members were also involved in our case and they were friendly and helpful . Rob and I will definitely recommend MAIN to our friends and family . Carolyn
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Robert Crawford
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Matthew Edge at MAIN has been and continues to be outstanding with his advice, his prompt action and his continued support. He is an outstanding professional mortgage advisor who also possesses a friendly personality. Thank you Matthew.
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Kimberley Jurgis
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Exceptional service with clear and friendly advice. Would highly recommend. Both George and Hannah were excellent and supportive and anybody else on the team that I spoke to always went above and beyond.
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Bethan Cookson
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We honestly cannot thank MAIN enough for everything they have done to help us achieve something we never thought would be possible for our family: becoming homeowners! From the very beginning, George worked tirelessly to help us navigate our situation. We genuinely never dreamed that owning our own home could become a reality, but George reassured us that there were ways forward. What felt almost impossible at the start, George helped make possible. Siobhan was amazing throughout the process, making sure appointments fitted around our schedules and always keeping in touch. Even though our journey took some time due to our circumstances, she remained supportive, understanding and reassuring every step of the way. Richard also provided an outstanding service. No question was ever left unanswered, and I must have sent hundreds of emails throughout the process! Every single one was answered with patience, professionalism and genuine care. Nothing ever felt like too much trouble. Everyone we have communicated with at MAIN has gone above and beyond to make what can be a stressful experience as smooth and stress-free as possible. We have now had our mortgage offer approved and accepted, and we honestly couldn’t have done it without this incredible team. Thank you, George, Siobhan, Richard and everyone at MAIN, for helping make our dream a reality. You haven’t just helped us secure a mortgage; you’ve helped our family take a huge step towards a future we once thought was out of reach. We will absolutely be recommending MAIN to our friends and family in the future, and we are already looking forward to seeing you all again when it’s time to remortgage OUR home! If you’re looking for a team who genuinely care, go the extra mile and fight to find a way when things seem impossible, we couldn’t recommend MAIN highly enough.
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Michael Brett
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Friendly and professional, with good communication providing the best quality service.
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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