Business Details
Your Trusted Mortgage Broker in Liverpool
True Cost Mortgages is a local mortgage brokerage firm based in Liverpool, offering impartial advice and tailored lending solutions. With a focus on first-time buyer mortgages, buy-to-let properties, remortgaging, and equity release, our qualified advisers prioritise client needs through a transparent, customer-centric approach. As an appointed representative of Julian Harris Mortgages Ltd, we operate under Financial Conduct Authority (FCA) regulation, ensuring compliance with industry standards.Our services include access to a wide range of lenders, competitive rates, and comprehensive guidance on mortgage protection, conveyancing, and credit report reviews. We provide a free initial consultation to assess eligibility and streamline the mortgage process, supported by testimonials highlighting our commitment to professionalism and client satisfaction.
Services
First Time Buyer Mortgages
Buy to Let Mortgages
Remortgaging
Equity Release
Adverse Credit Mortgages
Mortgage Protection
Right to Buy Scheme
Highlights and features
- We are regulated by the Financial Conduct Authority (FCA) for compliance and client protection.
- Offering a free initial consultation with no obligation to assess your mortgage eligibility.
- Access to a wide range of mortgage lenders and products, including niche market options.
- Experienced advisers specialising in first-time buyer, buy-to-let, and equity release mortgages.
- Personalised service with transparent fee structures and no hidden costs.
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent customer service
Stress-free process
Professional and attentive
Reliable and helpful
Found incredible rates
Services
First Time Buyer Mortgages
Tailored mortgage solutions for first-time buyers, offering impartial advice on competitive rates and eligibility criteria. Our advisers help navigate the process from application to completion, ensuring clarity on stamp duty, conveyancing, and financial commitments. Designed to simplify the journey to homeownership with transparent guidance.
Equity Release
Equity release plans enable homeowners aged 55+ to unlock cash from their property without monthly repayments. We provide FCA-regulated lifetime mortgages and home reversion plans, explaining tax implications and estate impacts. Our specialists ensure tailored solutions align with retirement funding needs while maintaining residency rights.
Buy to Let Mortgages
Specialist buy-to-let mortgage advice for landlords, covering commercial and residential investment properties. We assess rental income requirements, deposit thresholds, and lender criteria to secure competitive rates. Services include portfolio management strategies and guidance on unregulated products for experienced investors.
Remortgaging
Remortgaging services to help homeowners switch lenders or renegotiate terms, reducing monthly payments or accessing equity. We evaluate exit fees, new rate structures, and application timelines to optimise financial outcomes. Expert support ensures a seamless transition with minimal disruption.
Adverse Credit Mortgages
Mortgage solutions for applicants with adverse credit histories, including CCJs or past bankruptcies. We connect clients with specialist lenders offering flexible criteria and rehabilitation-focused products. Comprehensive advice covers credit report reviews and steps to improve eligibility for mainstream financing.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, including government schemes like Help to Buy. Our advisers explain eligibility criteria, deposit requirements, and stamp duty implications.
Can I remortgage with bad credit?
Yes, we work with specialist lenders offering adverse credit mortgages. Your options depend on the severity of credit issues and current financial stability.
How does equity release affect inheritance?
Equity release reduces the value of your estate. We explain lifetime mortgage and home reversion plan impacts on inheritance and means-tested benefits during your consultation.
What fees are charged for mortgage advice?
A £349 fee applies upon mortgage offer acceptance, with lifetime mortgages costing £995. We disclose all charges upfront during your free initial consultation.
Do you offer commercial buy-to-let mortgages?
Yes, we provide commercial BTL mortgages for experienced landlords, though these products are unregulated by the FCA and require higher deposits.
How can I check my credit report before applying?
We offer a free credit report review service. Contact Experian, Equifax, or Credit Club for your statutory report, then call us to discuss its impact on your mortgage application.
